specification: FinOps Framework
specificationVersion: '1.0'
schema: https://www.finops.org/framework/
provider: Pomelo
providerId: pomelo
created: '2026-06-21'
modified: '2026-06-21'
reconciled: false
tags:
- Fintech
- Card Issuing
- Embedded Finance
- Payments
- Latin America
- FinOps
- Cost Management
- FOCUS
description: >-
  FinOps view of a Pomelo (pomelo.la) card-issuing program. Pomelo bills through
  negotiated, contract-based terms rather than public usage rates, so spend
  typically blends platform / program fees with per-card and per-account fees,
  transaction and authorization processing fees, interchange arrangements,
  KYC/KYB verification costs, FX, and BIN sponsorship. The meters below describe
  the cost drivers a program should track; specific rates are negotiated and not
  reconciled here.
notes: >-
  Pomelo does not publish unit rates; all amounts are program-specific. Verify
  cost drivers and rates against the signed agreement during reconciliation.
sources:
- https://www.pomelo.la
- https://developers.pomelo.la
- 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: Pomelo
serviceCategory: Financial Services
billingModel:
  pricingCategory: Contract-Based
  billingFrequency: Monthly
  billingCurrency: USD
  chargeCategories:
  - Usage
  - Purchase
  - Adjustment
focusColumns:
  ServiceName: Pomelo Card Issuing Platform
  ServiceCategory: Financial Services
  ProviderName: Pomelo
  PublisherName: Pomelo
  InvoiceIssuerName: Pomelo
  BillingCurrency: USD
  ChargeCategory: Usage
  PricingCategory: Contract-Based
meters:
- name: cards_issued
  description: Physical and virtual cards issued, billed per card per program terms.
  unit: cards
  aggregation: sum
  dimensions:
  - program
  - card_type
- name: active_accounts
  description: Active card accounts under management, billed per account.
  unit: accounts
  aggregation: sum
  dimensions:
  - program
- name: transactions_processed
  description: Card transactions processed (purchases, withdrawals, refunds, reversals).
  unit: transactions
  aggregation: sum
  dimensions:
  - program
  - type
- name: authorizations
  description: Real-time authorization requests routed through the authorizer.
  unit: authorizations
  aggregation: sum
  dimensions:
  - program
- name: identity_verifications
  description: KYC / KYB identity verification sessions performed during onboarding.
  unit: verifications
  aggregation: sum
  dimensions:
  - program
  - kind
- name: transfers
  description: Fund transfers and settlements moved across card accounts.
  unit: transfers
  aggregation: sum
  dimensions:
  - program
- name: fx_volume
  description: Cross-border / FX transaction volume subject to currency-conversion fees.
  unit: currency
  aggregation: sum
  dimensions:
  - program
  - currency
principles:
- name: Visibility
  description: Reconcile Pomelo program invoices and the Transactions API; track per-card, per-account, and per-transaction cost drivers.
- name: Allocation
  description: Tag costs by program, affinity group, and card type; map interchange and processing fees to internal cost centers.
- name: Optimization
  description: Right-size physical vs virtual card mix, prune inactive accounts/cards, and minimize avoidable FX and reissuance costs.
- name: Accountability
  description: Assign program owners; review interchange share, processing fees, and KYC/KYB spend monthly against budget.
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com