specification: FinOps Framework
specificationVersion: '1.0'
schema: https://www.finops.org/framework/
provider: Tamara
providerId: tamara
created: '2026-05-24'
modified: '2026-05-24'
reconciled: false
tags:
- Fintech
- BNPL
- Payments
- Shariah Compliant
- MENA
- FinOps
- FOCUS
description: |
  FOCUS-aligned FinOps mapping for Tamara. Tamara's revenue is per-transaction commission
  (MDR) deducted from merchant settlements on a weekly cycle, plus optional refund/dispute
  adjustments. There is no usage-priced API plane and no token/seat billing — the cost
  surface lives entirely inside Tamara's settlement invoices to the merchant.
notes: |
  Reconcile billing currency, charge categories, and meter definitions against your signed
  Tamara merchant agreement and your weekly Tamara settlement and tax invoices.
sources:
- https://docs.tamara.co/docs/pp-settlement-invoices
- https://docs.tamara.co/docs/pp-settle-invoice-understand-settlements
- https://docs.tamara.co/docs/pp-settle-invoice-reports
- 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: Tamara
serviceCategory: Payments
billingModel:
  pricingCategory: Per-Transaction Commission (MDR)
  billingFrequency: Weekly
  billingCurrency: SAR
  alternateCurrencies: [AED, BHD, KWD, OMR]
  chargeCategories:
  - Usage
  - Adjustment
  - Tax
focusColumns:
  ServiceName: Tamara BNPL
  ServiceCategory: Fintech
  ProviderName: Tamara
  PublisherName: Tamara
  InvoiceIssuerName: Tamara
  BillingCurrency: SAR
  ChargeCategory: Usage
meters:
- name: per_transaction_commission
  description: MDR percentage applied to each captured order, deducted from gross settlement amount.
  unit: percentage_of_transaction_value
  aggregation: sum
  dimensions:
  - merchant_id
  - country
  - currency
  - payment_type
- name: refund_adjustment
  description: Refunds reduce the next settlement; full or partial reversals against captures.
  unit: amount
  aggregation: sum
  dimensions:
  - merchant_id
  - country
  - currency
- name: dispute_chargeback
  description: Dispute outcomes can debit the merchant's settlement when the claim is accepted in favour of the consumer.
  unit: amount
  aggregation: sum
  dimensions:
  - merchant_id
  - dispute_status
  - currency
principles:
- name: Visibility
  description: |
    Pull Tamara settlement and tax invoices from the Partners Portal weekly and reconcile
    against the GET /orders/{order_id} feed and order/dispute webhook stream.
- name: Allocation
  description: |
    Tag Tamara invoice line items by merchant, country, and product line so settlements roll
    up into your finance store under the same business-unit dimensions you use for other PSPs.
- name: Optimization
  description: |
    Levers include negotiating the MDR percentage at renewal (volume tiers), enabling the
    appropriate instalment count for the basket size, and tightening dispute response SLAs
    to reduce chargeback losses.
- name: Accountability
  description: |
    Assign a contract owner for the Tamara merchant agreement and a dispute-operations owner
    to action awaiting_merchant_response disputes within the SLA window.
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com