name: Payflex FinOps
description: >
  Financial operations guidance for teams integrating the Payflex Merchant API.
  Covers cost structure, settlement model, reconciliation, and refund handling
  from a FinOps perspective.
cost_model:
  type: Commission / Merchant Discount Rate (MDR)
  description: >
    Payflex charges merchants a percentage-based commission on each transaction.
    The exact rate is negotiated during onboarding and depends on monthly GMV
    (Gross Merchandise Volume). There are no published monthly platform fees or
    per-seat charges for API access. API credentials are provided at no
    additional cost as part of the merchant agreement.
  published_rate: Not disclosed publicly; volume-dependent
  contact_for_pricing: https://payflex.co.za/merchant/
settlement:
  model: Upfront settlement to merchant
  description: >
    Payflex settles the full order value to the merchant upfront (net of
    commission) regardless of the consumer instalment schedule. Merchants are
    not exposed to consumer default risk — Payflex absorbs all credit and fraud
    risk. Settlement timing should be confirmed with the Payflex merchant team
    during onboarding.
refunds:
  description: >
    Full and partial refunds are supported via POST /order/{orderId}/refund.
    Refunds are processed back to the consumer; the commission portion is
    typically credited back to the merchant proportionally. Use a unique
    requestId to ensure idempotency. The amount field accepts partial amounts
    for partial refunds.
  idempotency: requestId field in refund payload
cost_visibility:
  - Review the Payflex merchant dashboard at https://merchant.payflex.co.za/
    for transaction-level reporting and commission deductions.
  - Reconcile API-generated orderId values against dashboard entries to
    track settlement amounts.
  - Monitor refund volumes separately — reversed transactions will reduce
    net settlement for the relevant period.
  - Log all API response amounts (including commission-adjusted figures)
    at the application layer for internal cost attribution.
optimization:
  - Cache the OAuth2 access token to avoid unnecessary authentication calls
    (no direct cost, but reduces latency and potential throttling).
  - Cache the /configuration endpoint response to avoid redundant calls
    that don't contribute to revenue-generating transactions.
  - Use the statusCallbackUrl webhook to eliminate polling loops, reducing
    infrastructure load and cost.
  - Negotiate lower MDR rates at higher transaction volumes — revisit the
    rate agreement annually as GMV grows.