specification: FinOps Framework
specificationVersion: '1.0'
schema: https://www.finops.org/framework/
provider: Openpay
providerId: openpay
created: '2026-06-21'
modified: '2026-06-21'
reconciled: false
tags:
- Payments
- Fintech
- Cards
- SPEI
- Subscriptions
- FinOps
- Cost Management
- FOCUS
description: >-
  FinOps view of Openpay processing costs. Openpay's cost is a per-transaction
  commission rather than per-API-call billing: card payments incur a percentage
  plus a fixed fee, store/cash (Paynet) and bank transfer (SPEI) payments incur
  flat per-transaction fees, and payouts incur a per-payout fee. Costs scale with
  payment volume and method mix, vary by country (Mexico, Colombia), and are set
  by the merchant's Openpay / BBVA commercial agreement. Rates here are not
  reconciled against a current published rate card.
notes: >-
  Per-transaction commissions are subject to negotiation and local taxes (e.g.
  IVA in Mexico); verify against the merchant's Openpay contract during
  reconciliation. Track method mix because card vs. SPEI vs. store economics differ.
sources:
- https://www.openpay.mx
- https://documents.openpay.mx/docs/api
- https://focus.finops.org/focus-specification/v1-3/
alignedWith:
  framework: FinOps Foundation Framework
  frameworkUrl: https://www.finops.org/framework/
  dataSpec: FOCUS
  dataSpecVersion: '1.3'
  dataSpecUrl: https://focus.finops.org/focus-specification/v1-3/
publisherName: Openpay
serviceCategory: Payment Processing
billingModel:
  pricingCategory: Usage-Based
  billingFrequency: Monthly
  billingCurrency: MXN
  chargeCategories:
  - Usage
  - Purchase
  - Adjustment
focusColumns:
  ServiceName: Openpay Payments
  ServiceCategory: Payment Processing
  ProviderName: Openpay
  PublisherName: Openpay
  InvoiceIssuerName: Openpay
  BillingCurrency: MXN
  ChargeCategory: Usage
  PricingCategory: Usage-Based
meters:
- name: card_transaction_volume
  description: Value of card charges processed, billed as a percentage commission.
  unit: currency
  aggregation: sum
  dimensions:
  - merchant
  - currency
  - card_brand
- name: card_transaction_count
  description: Count of card charges, billed with a fixed per-transaction fee.
  unit: transactions
  aggregation: sum
  dimensions:
  - merchant
  - method
- name: store_transaction_count
  description: Count of store/cash (Paynet) payments, billed a flat fee per transaction.
  unit: transactions
  aggregation: sum
  dimensions:
  - merchant
- name: spei_transaction_count
  description: Count of bank-transfer (SPEI) payments, billed a flat fee per transaction.
  unit: transactions
  aggregation: sum
  dimensions:
  - merchant
- name: payout_count
  description: Count of payouts sent to bank accounts, billed a per-payout fee.
  unit: transactions
  aggregation: sum
  dimensions:
  - merchant
- name: refund_count
  description: Count of refunds processed; refund handling and fee retention vary by contract.
  unit: transactions
  aggregation: sum
  dimensions:
  - merchant
- name: chargeback_count
  description: Count of chargebacks/disputes, which may carry handling fees.
  unit: transactions
  aggregation: sum
  dimensions:
  - merchant
principles:
- name: Visibility
  description: Pull Openpay transaction reports; break down commission cost by payment method and card brand.
- name: Allocation
  description: Tag charges and payouts with order_id and map merchant accounts to internal cost centers.
- name: Optimization
  description: Steer eligible volume to lower-cost methods (SPEI/store vs. card) where the customer experience allows, and minimize avoidable chargebacks.
- name: Accountability
  description: Reconcile per-method commissions against contract rates monthly and assign owners per merchant account.
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com