specificationVersion: "1.0"
id: pinwheel-finops
name: Pinwheel API FinOps
description: >-
  FinOps Framework 1.0 FOCUS-aligned cost management reference for Pinwheel
  API consumption. Pinwheel uses usage-based billing tied to production API
  transactions across payroll connectivity products. Cost drivers include
  income/employment verifications, direct deposit switches, bill switches,
  tax form retrievals, and connected account monitoring events.
url: https://www.pinwheelapi.com/contact
costModel: usage-based
billingEnvironments:
  - name: Production
    billable: true
    host: api.getpinwheel.com
    description: All production API calls are billable per transaction or event
  - name: Development
    billable: false
    host: development.getpinwheel.com
    description: Development environment; confirm billing status with Pinwheel sales
  - name: Sandbox
    billable: false
    host: sandbox.getpinwheel.com
    description: Sandbox environment for testing; not billable
costDimensions:
  - name: Income & Employment Verifications
    product: Verify
    description: >-
      Charged per verification request for income data, employment history,
      paystubs, and credential checks via the Verify product.
    unit: per verification
    pricingContact: https://www.pinwheelapi.com/contact
  - name: Direct Deposit Switches
    product: Deposit Switch
    description: >-
      Charged per completed direct deposit allocation switch across 1,800+
      payroll platforms.
    unit: per switch
    pricingContact: https://www.pinwheelapi.com/contact
  - name: Bill Switches
    product: Bill Switch
    description: >-
      Charged per bill or subscription payment method switch completed through
      the Bill Switch or Bill Manager products.
    unit: per switch
    pricingContact: https://www.pinwheelapi.com/contact
  - name: Tax Form Retrievals
    product: Taxes
    description: >-
      Charged per tax form (e.g., W-2, 1099) retrieved directly from payroll
      systems via the Taxes product.
    unit: per retrieval
    pricingContact: https://www.pinwheelapi.com/contact
  - name: Connected Account Events
    product: Connected Accounts
    description: >-
      Charged per monitoring event for real-time income, investment, and
      payment data updates via Connected Accounts.
    unit: per event
    pricingContact: https://www.pinwheelapi.com/contact
optimization:
  - recommendation: Use sandbox for all development and QA testing to avoid billable charges
  - recommendation: Implement request caching for employment and income data to reduce repeated verifications
  - recommendation: Batch job polling using the Jobs endpoint rather than polling individual resources
  - recommendation: Negotiate volume discounts for high-frequency verification or switching use cases
  - recommendation: Monitor 429 responses and implement exponential backoff to avoid wasted retry spend
  - recommendation: Segment production traffic by product line to attribute costs to business units
compliance:
  certifications:
    - SOC 2 Type 2
    - ISO 27001
    - FCRA
    - PCI DSS Level 2
  trustCenter: https://trust.pinwheelapi.com/