specification: FinOps Framework
specificationVersion: '1.0'
schema: https://www.finops.org/framework/
provider: Tabby
providerId: tabby
created: '2026-05-24'
modified: '2026-05-24'
reconciled: false
tags:
  - FinOps
  - Cost Management
  - FOCUS
  - BNPL
  - Payments
description: FOCUS-aligned FinOps view of Tabby for merchants. Tabby is a revenue-share / cost-of-acceptance
  service rather than infrastructure — cost = MDR percentage of GMV + fixed per-transaction fee, net-settled
  to the merchant bank account.
sources:
  - https://tabby.ai/en-AE/help-business/about-tabby/pricing
  - https://docs.tabby.ai
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: Tabby
serviceCategory: Financial Services
billingModel:
  pricingCategory: Usage-Based
  billingFrequency: Per Settlement
  billingCurrency: AED, SAR, KWD
  chargeCategories:
    - Usage
    - Fee
    - Refund
    - Adjustment
    - Tax
  primaryUnit: transaction
  secondaryUnits:
    - percent_of_gmv
focusColumns:
  ServiceName: Tabby BNPL
  ServiceCategory: Financial Services
  ProviderName: Tabby
  PublisherName: Tabby
  InvoiceIssuerName: Tabby
  PricingCategory: Usage-Based
  PricingUnit: transaction
  BillingCurrency: Local (AED|SAR|KWD)
meters:
  - name: gross_merchandise_volume
    unit: currency
    aggregation: sum
    dimensions:
      - merchant_code
      - product (pay_in_4 | pay_monthly)
      - currency
      - country
  - name: transactions
    unit: transaction
    aggregation: count
    dimensions:
      - merchant_code
      - status (authorized | captured | closed | refunded)
      - currency
  - name: captured_amount
    unit: currency
    aggregation: sum
    dimensions:
      - merchant_code
      - currency
  - name: refunded_amount
    unit: currency
    aggregation: sum
    dimensions:
      - merchant_code
      - currency
  - name: mdr_fee
    unit: currency
    aggregation: sum
    dimensions:
      - merchant_code
      - currency
    description: Merchant Discount Rate fee — variable percent of captured amount.
  - name: fixed_fee
    unit: currency
    aggregation: sum
    dimensions:
      - merchant_code
      - currency
    description: Fixed per-transaction fee.
  - name: disputes_amount
    unit: currency
    aggregation: sum
    dimensions:
      - merchant_code
      - status
      - currency
practices:
  inform:
    - 'Reconcile capture and refund webhooks against the merchant dashboard daily.'
    - 'Allocate Tabby fees to the originating product / business unit via the order_history.merchant_reference.'
  optimize:
    - 'Negotiate MDR with Tabby annually based on volume and category.'
    - 'Use approved messaging and placement best practices to increase BNPL conversion lift and amortise MDR.'
    - 'Encourage Pay-in-4 where AOV is low; reserve Pay Monthly for higher AOV to improve unit economics.'
  operate:
    - 'Wire webhooks to settlement reconciliation; auto-close fulfilled orders to release authorization holds.'
    - 'Batch-approve clear disputes via /api/v1/disputes/approve to clear backlogs (max 20 per call).'
costAllocationDimensions:
  - merchant_code
  - currency
  - country
  - product
  - order_id
  - reference_id