specification: FinOps Framework
specificationVersion: '1.0'
schema: https://www.finops.org/framework/
provider: Paymob
providerId: paymob
created: '2026-05-24'
modified: '2026-05-24'
reconciled: true
tags:
  - FinOps
  - Cost Management
  - FOCUS
  - Payments
  - Interchange
description: >-
  FOCUS-aligned FinOps definition for the Paymob Accept and Send platforms.
  Charges are per-transaction merchant discount rate (MDR) plus fixed fees,
  with optional monthly add-ons (daily settlement in the UAE). Payouts are
  metered per disbursement and budget topup.
sources:
  - https://www.paymob.com/en/pricing
  - https://paymob.ae/en/pricing
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: Paymob
serviceCategory: Payments and Financial Services
billingModel:
  pricingCategory: Usage-Based
  billingFrequency: Monthly
  billingCurrency: Local
  chargeCategories:
    - Usage
    - Subscription
    - Adjustment
    - Refund
    - Chargeback
  primaryUnit: transaction
  secondaryUnits:
    - disbursement
    - subscription
    - month
focusColumns:
  ServiceName: Paymob Accept
  ServiceCategory: Payments and Financial Services
  ProviderName: Paymob
  PublisherName: Paymob
  InvoiceIssuerName: Paymob (regional entity)
  PricingCategory: Usage-Based
  PricingUnit: transaction
  BillingCurrency: EGP|SAR|AED|OMR|PKR
meters:
  - name: transaction_count
    unit: transaction
    aggregation: sum
    dimensions:
      - currency
      - country
      - payment_method
      - integration_id
  - name: transaction_volume
    unit: amount_minor_units
    aggregation: sum
    dimensions:
      - currency
      - country
      - payment_method
  - name: mdr_fee
    unit: amount_minor_units
    aggregation: sum
    dimensions:
      - currency
      - country
      - payment_method
  - name: fixed_fee
    unit: amount_minor_units
    aggregation: sum
    dimensions:
      - currency
      - country
  - name: refund_count
    unit: transaction
    aggregation: sum
    dimensions:
      - currency
      - country
  - name: chargeback_count
    unit: case
    aggregation: sum
    dimensions:
      - currency
      - country
  - name: disbursement_count
    unit: disbursement
    aggregation: sum
    dimensions:
      - issuer
      - currency
  - name: disbursement_volume
    unit: amount_minor_units
    aggregation: sum
    dimensions:
      - issuer
      - currency
  - name: subscription_addons
    unit: month
    aggregation: sum
    dimensions:
      - addon
      - country
products:
  - id: accept-online
    name: Paymob Accept — Online Payments
    pricingModel: percent_plus_fixed
    notes: '2.75% + 3 EGP (Egypt); 2.9% + 1 AED (UAE local/international).'
  - id: accept-pos
    name: Paymob Accept — POS
    pricingModel: percent_plus_fixed
    notes: In-store card-present terminals; pricing varies by terminal and country.
  - id: accept-payment-links
    name: Paymob Accept — Payment Links / Quick Link
    pricingModel: percent_plus_fixed
  - id: accept-subscriptions
    name: Paymob Accept — Subscriptions
    pricingModel: percent_plus_fixed
  - id: accept-installments
    name: Paymob Accept — Installments
    pricingModel: percent_plus_fixed
    notes: BNPL routing to Tabby, Tamara, Aman, Souhoola, Forsa, valU.
  - id: accept-marketplace
    name: Paymob Accept — Marketplace Payouts
    pricingModel: percent_plus_fixed
  - id: send-payouts
    name: Paymob Send — Mass Payouts
    pricingModel: per_disbursement_plus_fx
  - id: paymob-sync
    name: Paymob Sync
    pricingModel: contract
  - id: digital-wallet
    name: Paymob Digital Wallet
    pricingModel: contract
addOns:
  - id: daily-settlement-uae
    name: Daily Settlement (UAE)
    price: 210
    currency: AED
    frequency: month
exports:
  - format: CSV
    surface: Merchant dashboard
    description: Transaction, settlement, refund, and chargeback exports per regional dashboard.
notes:
  - Paymob operates regional entities; settlement currency follows the merchant's market (EGP, SAR, AED, OMR, PKR).
  - Marketplace payouts and Send disbursements support split-payout and bulk operations for platforms.
  - Enterprise contracts adjust MDR, settlement cadence, and FX spreads.