specification: FinOps Framework
specificationVersion: '1.0'
schema: https://www.finops.org/framework/
provider: Perpay
providerId: perpay
created: '2026-06-13'
modified: '2026-06-13'
reconciled: false
tags:
  - Fintech
  - BNPL
  - Buy Now Pay Later
  - Credit Building
  - Payroll Deduction
  - Payments
  - Consumer Finance
  - FinOps
  - Cost Management
  - FOCUS
description: >-
  FOCUS-aligned FinOps placeholder for Perpay. Perpay's billing model for
  partners and internal API usage is not publicly documented. Consumer-facing
  costs are zero interest and zero fees; merchant/partner fees are negotiated
  privately. Pipeline will replace with real billing details once reconciled.
notes: "Initial scaffold — billing model has not yet been reconciled."
sources:
  - https://www.perpay.com
  - https://help.perpay.com/en/
  - 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: Perpay
serviceCategory: Fintech
billingModel:
  pricingCategory: To Be Reconciled
  billingFrequency: Monthly
  billingCurrency: USD
  chargeCategories:
    - Usage
    - Purchase
    - Adjustment
focusColumns:
  ServiceName: Perpay
  ServiceCategory: Fintech
  ProviderName: Perpay
  PublisherName: Perpay
  InvoiceIssuerName: Perpay
  BillingCurrency: USD
  ChargeCategory: Usage
meters:
  - name: api_usage
    description: Catch-all meter pending reconciliation.
    unit: varies
    aggregation: sum
    dimensions:
      - account
      - resource
principles:
  - name: Visibility
    description: Pull provider invoices or usage exports until a self-serve usage feed is documented.
  - name: Allocation
    description: Tag invoice line items to consuming business units in your FinOps store.
  - name: Optimization
    description: >-
      Levers depend on the provider's billing model; review at renewal once
      reconciled. Perpay charges no consumer interest — cost exposure is via
      partner/merchant fees only.
  - name: Accountability
    description: Assign a contract owner to review billing against negotiated terms.
maintainers:
  - FN: Kin Lane
    email: kin@apievangelist.com