specification: FinOps Framework
specificationVersion: '1.0'
schema: https://www.finops.org/framework/
provider: Pagar.me
providerId: pagarme
created: '2026-06-21'
modified: '2026-06-21'
reconciled: false
tags:
- Payments
- Payment Gateway
- PIX
- Boleto
- Brazil
- FinOps
- Cost Management
- FOCUS
description: >-
  FinOps view of Pagar.me processing costs. Pagar.me bills per successfully
  processed transaction via a merchant discount rate (MDR) on card volume plus
  fixed per-PIX and per-boleto fees, with separate fees for receivable
  anticipation and, in marketplaces, split and transfer operations. Cost is
  driven by settled payment volume rather than API call count. Specific
  per-merchant rates are negotiated and not reconciled here.
notes: >-
  Per-transaction rates are merchant-specific; verify against the Pagar.me
  pricing page and merchant dashboard during reconciliation. Anticipation and
  transfer fees are settled separately from gateway MDR.
sources:
- https://pagar.me/precos
- https://docs.pagar.me
- 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: Pagar.me
serviceCategory: Payments and Financial Services
billingModel:
  pricingCategory: Usage-Based
  billingFrequency: Monthly
  billingCurrency: BRL
  chargeCategories:
  - Usage
  - Purchase
  - Adjustment
focusColumns:
  ServiceName: Pagar.me Core API
  ServiceCategory: Payments and Financial Services
  ProviderName: Pagar.me
  PublisherName: Pagar.me
  InvoiceIssuerName: Pagar.me
  BillingCurrency: BRL
  ChargeCategory: Usage
  PricingCategory: Usage-Based
meters:
- name: card_transaction_volume
  description: Settled credit/debit card volume billed at the negotiated merchant discount rate (MDR).
  unit: currency
  aggregation: sum
  dimensions:
  - account
  - payment_method
  - installments
- name: pix_transactions
  description: PIX transactions billed via percentage and/or fixed fee per transaction.
  unit: transactions
  aggregation: sum
  dimensions:
  - account
  - payment_method
- name: boleto_transactions
  description: Paid boletos billed at a fixed fee per settled boleto.
  unit: transactions
  aggregation: sum
  dimensions:
  - account
  - payment_method
- name: anticipation_fees
  description: Fees charged when advancing future card receivables (anticipation).
  unit: currency
  aggregation: sum
  dimensions:
  - account
  - recipient
- name: split_and_transfers
  description: Split and transfer (withdrawal) operations for marketplace recipients.
  unit: transactions
  aggregation: sum
  dimensions:
  - account
  - recipient
principles:
- name: Visibility
  description: Pull Pagar.me dashboard exports and webhook events; reconcile per-charge MDR and fixed fees against settlement.
- name: Allocation
  description: Tag orders/charges with metadata and codes; map to internal cost centers, sellers, or marketplace recipients.
- name: Optimization
  description: Steer customers toward lower-fee methods (PIX) where viable; minimize anticipation use and tune installment offers to control MDR.
- name: Accountability
  description: Assign owners per store/recipient; review settlement vs. fees and chargeback exposure monthly.
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com