specification: API Commons Plans
specificationVersion: '0.1'
schema: https://raw.githubusercontent.com/api-evangelist/interface-research/main/schema/api-commons.yml#/$defs/Plans
provider: Openpay
providerId: openpay
created: '2026-06-21'
modified: '2026-06-21'
reconciled: false
tags:
- Payments
- Fintech
- Cards
- SPEI
- Subscriptions
- Plans
description: >-
  Openpay does not charge for API access; pricing is per-transaction commission
  based on the payment method. Card payments are billed as a percentage of the
  transaction plus a fixed per-transaction fee; cash/store (paynet) payments and
  bank transfers (SPEI) are typically billed as a flat fee per transaction.
  Exact rates vary by country (Mexico, Colombia), merchant negotiation, volume,
  and the BBVA group commercial agreement, and are quoted by Openpay sales. The
  values below are illustrative placeholders and are NOT reconciled against a
  current published rate card.
notes: >-
  Per-transaction commissions must be verified directly with Openpay for the
  merchant's country and contract. Card percentages and fixed fees, store/cash
  fees, and SPEI fees change and may be quoted net of or plus local taxes (IVA).
sources:
- https://www.openpay.mx
- https://documents.openpay.mx/docs/api
plans:
- id: openpay-standard
  name: Standard
  type: usage
  description: >-
    Pay-per-transaction commercial model with no monthly platform fee for API
    access. Commission is charged per successful transaction by payment method.
  entries:
  - label: Card Payments (credit/debit)
    name: card_payments
    type: usage
    metric: transactions
    limit: -1
    timeFrame: month
    geo: MX
    unit: 1
    price: percentage + fixed fee per transaction (contact Openpay)
    userMultiplied: false
  - label: Store / Cash Payments (Paynet)
    name: store_payments
    type: usage
    metric: transactions
    limit: -1
    timeFrame: month
    geo: MX
    unit: 1
    price: flat fee per transaction (contact Openpay)
    userMultiplied: false
  - label: Bank Transfer (SPEI)
    name: spei_payments
    type: usage
    metric: transactions
    limit: -1
    timeFrame: month
    geo: MX
    unit: 1
    price: flat fee per transaction (contact Openpay)
    userMultiplied: false
  - label: Payouts (to bank account / CLABE)
    name: payouts
    type: usage
    metric: transactions
    limit: -1
    timeFrame: month
    geo: MX
    unit: 1
    price: per-payout fee (contact Openpay)
    userMultiplied: false
  elements:
  - name: Charges
  - name: Customers and Cards
  - name: Tokens
  - name: Subscriptions and Plans
  - name: Payouts and Transfers
  - name: Fees
  - name: Webhooks
- id: openpay-enterprise
  name: Enterprise / Negotiated
  type: enterprise
  description: >-
    Volume-based and negotiated commission rates for high-volume merchants and
    marketplaces, arranged through Openpay / BBVA commercial agreements. Contact
    Openpay sales.
  entries:
  - label: Negotiated Commission
    name: negotiated
    type: flat
    metric: contract
    limit: -1
    timeFrame: year
    geo: global
    unit: 1
    price: contact sales
    userMultiplied: false
  elements:
  - name: Custom Per-Transaction Rates
  - name: Marketplace Split Payments
  - name: Dedicated Support
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com