specification: FinOps Framework
specificationVersion: '1.0'
schema: https://www.finops.org/framework/
provider: Peach Payments
providerId: peachpayments
created: '2026-07-17'
modified: '2026-07-17'
reconciled: false
tags:
- Payments
- Fintech
- Africa
- FinOps
- Cost Management
- FOCUS
description: >-
  FinOps view of Peach Payments merchant spend. Costs are transaction-based:
  a percentage-plus-fixed fee per successful card transaction, currency
  conversion surcharges on international cards, per-event dispute/chargeback
  fees, and (for Enterprise) a fixed monthly platform fee against negotiated
  volume rates. Local payment methods (PayShap, Capitec Pay, 1Voucher,
  Mobicred, M-PESA) may carry method-specific rates. Billing currency is ZAR
  (also KES, MUR by market).
notes: >-
  Peach uses negotiated, volume-based pricing; representative rates only.
  Verify against the Peach Payments fees page and your merchant agreement.
sources:
- https://www.peachpayments.com/fees/
- https://developer.peachpayments.com/
- 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: Peach Payments
serviceCategory: Payments and Financial Services
billingModel:
  pricingCategory: Usage-Based
  billingFrequency: Monthly
  billingCurrency: ZAR
  chargeCategories:
  - Usage
  - Purchase
  - Adjustment
focusColumns:
  ServiceName: Peach Payments Gateway
  ServiceCategory: Payments and Financial Services
  ProviderName: Peach Payments
  PublisherName: Peach Payments
  InvoiceIssuerName: Peach Payments
  BillingCurrency: ZAR
  ChargeCategory: Usage
  PricingCategory: Usage-Based
meters:
- name: card_transactions
  description: Successful card transactions billed at percentage + fixed fee.
  unit: transactions
  aggregation: sum
  dimensions:
  - merchant
  - entityId
  - paymentBrand
- name: currency_conversion
  description: Currency-conversion surcharge on international card transactions.
  unit: transactions
  aggregation: sum
  dimensions:
  - merchant
  - currency
- name: disputes
  description: Dispute / chargeback events billed per event.
  unit: events
  aggregation: sum
  dimensions:
  - merchant
- name: payouts
  description: Merchant-initiated payouts / disbursements.
  unit: transactions
  aggregation: sum
  dimensions:
  - merchant
  - currency
- name: platform_fee
  description: Fixed monthly Enterprise platform fee.
  unit: subscription
  aggregation: sum
  dimensions:
  - merchant
principles:
- name: Visibility
  description: Use the Reconciliation API (transactions-recon) to pull settlement and transaction records per date range.
- name: Allocation
  description: Tag transactions per channel (entityId) / storefront and map to internal cost centers.
- name: Optimization
  description: Route to lower-cost local methods (PayShap, Capitec Pay, EFT) where suitable; negotiate volume rates on Enterprise; minimize disputes.
- name: Accountability
  description: Reconcile settlements against gateway fees monthly; assign an owner per merchant channel.
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com