specification: FinOps Framework
specificationVersion: '1.0'
schema: https://www.finops.org/framework/
provider: Routable
providerId: routable
created: '2026-06-21'
modified: '2026-06-21'
reconciled: false
tags:
- Payments
- Accounts Payable
- Accounts Receivable
- B2B Payments
- Mass Payouts
- FinTech
- FinOps
- Cost Management
- FOCUS
description: >-
  FinOps view of Routable spend. Routable bills a sales-led monthly platform
  subscription (which includes API and developer access) plus per-transaction
  fees that vary by payment rail (ACH, check, international/SWIFT) and by the
  selected payment speed. International payments also incur currency-conversion
  costs. Exact rates are custom and not reconciled here.
notes: >-
  Per-transaction and rail/speed-specific fees are quoted per business; verify
  the platform fee and transaction pricing with Routable sales during
  reconciliation.
sources:
- https://www.routable.com/pricing/
- https://developers.routable.com/docs
- 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: Routable
serviceCategory: Financial Services
billingModel:
  pricingCategory: Subscription Plus Usage
  billingFrequency: Monthly
  billingCurrency: USD
  chargeCategories:
  - Purchase
  - Usage
  - Adjustment
focusColumns:
  ServiceName: Routable
  ServiceCategory: Financial Services
  ProviderName: Routable
  PublisherName: Routable
  InvoiceIssuerName: Routable
  BillingCurrency: USD
  ChargeCategory: Usage
  PricingCategory: Subscription Plus Usage
meters:
- name: platform_subscription
  description: Monthly sales-led platform/subscription fee covering AP/AR, mass payouts, and API access.
  unit: months
  aggregation: sum
  dimensions:
  - account
- name: ach_transactions
  description: ACH payable/receivable transactions, priced per transaction by speed.
  unit: transactions
  aggregation: sum
  dimensions:
  - account
  - speed
- name: check_transactions
  description: Check payments, priced per transaction by speed.
  unit: transactions
  aggregation: sum
  dimensions:
  - account
  - speed
- name: international_transactions
  description: International/SWIFT payouts, priced per transaction plus FX conversion.
  unit: transactions
  aggregation: sum
  dimensions:
  - account
  - country
  - currency
- name: fx_conversion
  description: Currency conversion applied to cross-border payouts.
  unit: amount
  aggregation: sum
  dimensions:
  - account
  - currency
principles:
- name: Visibility
  description: Pull Routable transaction and invoice data; track fees by payment rail and speed.
- name: Allocation
  description: Tag payables/receivables and API keys per team or entity; map to cost centers.
- name: Optimization
  description: Choose the slowest acceptable ACH/check speed to minimize per-transaction fees; batch mass payouts; avoid unnecessary international FX.
- name: Accountability
  description: Assign owners per workflow; review platform fee and transaction spend monthly against budget.
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com