name: Primer FinOps Framework
description: >
  FinOps Framework 1.0 FOCUS-aligned cost and usage profile for Primer's
  payment orchestration platform. Primer enables merchants to reduce total
  cost of payments by optimizing routing across processors, improving
  authorization rates, and reducing operational overhead through automation.
specificationVersion: "1.0"
focus:
  provider: Primer
  serviceCategory: Payment Orchestration
  billingModel: Custom Enterprise (volume-based, contact sales)
  currency: USD
costDimensions:
  - dimension: Platform Fee
    description: >
      Monthly platform fee negotiated based on transaction volume and features
      enabled. Not publicly disclosed; agreed via commercial contract.
    unit: Monthly flat fee or percentage of GMV
    visibility: Private (contract-based)
  - dimension: Transaction Processing
    description: >
      Primer itself is not a payment processor; per-transaction costs are
      determined by the underlying processors connected via Primer (e.g.,
      Stripe, Adyen, Braintree). Primer's routing optimizes which processor
      handles each transaction to minimize blended processing cost.
    unit: Per transaction (processor-dependent)
    visibility: Varies by processor
  - dimension: Network Tokenization
    description: >
      Reduces card-not-present fraud and improves authorization rates by
      replacing raw card data with network tokens. May reduce interchange
      fees for eligible transactions.
    unit: Per tokenized payment method
    visibility: Bundled or add-on (contract-specific)
  - dimension: 3D Secure
    description: >
      Primer manages 3DS exemptions and challenges. Costs associated with
      3DS authentication may be embedded in platform pricing or pass-through
      from ACS/directory server providers.
    unit: Per authentication request
    visibility: Contract-specific
  - dimension: Global Accounts
    description: >
      Multi-currency and multi-region account management. FX and settlement
      costs depend on currency pair and volume.
    unit: Per settlement or FX conversion
    visibility: Contract-specific
optimizationOpportunities:
  - name: Smart Routing
    description: >
      Primer's Workflows engine routes transactions to the lowest-cost or
      highest-authorization processor in real time, reducing blended
      processing fees across the payment stack.
  - name: Authorization Rate Improvement
    description: >
      Network tokenization and automatic fallbacks improve authorization rates,
      reducing revenue lost to unnecessary declines and retry costs.
  - name: Reconciliation Automation
    description: >
      Unified reconciliation across all connected processors reduces manual
      labor costs for finance and operations teams.
  - name: Fraud Cost Reduction
    description: >
      Integrations with Forter, Riskified, Sift, and Signifyd allow
      merchants to tune fraud rules and reduce chargeback-related costs
      without building custom tooling.
notes: >
  Primer does not publish a public pricing page. All cost structures are
  negotiated as part of the enterprise sales process. The platform is
  positioned as a cost-reduction tool: merchants typically assess ROI through
  reduced processor fees, lower engineering overhead, and improved payment
  performance rather than direct Primer fees.
contact: https://primer.io/