specification: FinOps Framework
specificationVersion: '1.0'
schema: https://www.finops.org/framework/
provider: Telr
providerId: telr
created: '2026-07-17'
modified: '2026-07-17'
reconciled: true
tags:
- Payments
- Payment Gateway
- MENA
- UAE
- FinOps
- Cost Management
- FOCUS
description: >-
  FinOps view of Telr merchant spend. Telr bills a fixed monthly plan fee plus
  per-transaction cost (a percentage of transaction value plus a fixed
  per-transaction fee), banded by monthly processing volume and region. UAE is
  billed in AED, Saudi Arabia in SAR, with distinct rates for local rails (mada,
  STC Pay, UR Pay). VAT applies (5% UAE, 15% KSA). Cost drivers are transaction
  count, average ticket size, method mix (card vs. local wallet), and
  refund/chargeback activity rather than API call volume.
notes: >-
  Percentage + fixed fees vary by plan band and region; verify against the Telr
  pricing page during reconciliation. Acquiring-bank setup/monthly fees may
  apply separately.
sources:
- https://telr.com/pricing
- https://telr.com/sa-en/pricing/
- 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: Telr
serviceCategory: Financial Services
billingModel:
  pricingCategory: Subscription-Plus-Usage
  billingFrequency: Monthly
  billingCurrency: AED
  chargeCategories:
  - Usage
  - Purchase
  - Tax
  - Adjustment
focusColumns:
  ServiceName: Telr Payment Gateway
  ServiceCategory: Financial Services
  ProviderName: Telr
  PublisherName: Telr
  InvoiceIssuerName: Telr
  BillingCurrency: AED
  ChargeCategory: Usage
  PricingCategory: Subscription-Plus-Usage
meters:
- name: monthly_plan_fee
  description: Fixed monthly gateway plan fee, banded by processing volume and region.
  unit: months
  aggregation: sum
  dimensions:
  - store
  - region
  - plan
- name: transaction_percentage_fee
  description: Percentage of transaction value charged per successful transaction.
  unit: currency
  aggregation: sum
  dimensions:
  - store
  - method
  - currency
- name: transaction_fixed_fee
  description: Fixed per-transaction fee (e.g. AED 0.50-1.00 or SAR 1.00).
  unit: transactions
  aggregation: sum
  dimensions:
  - store
  - method
  - currency
- name: local_rail_fee
  description: Distinct rates for local rails (mada, STC Pay, UR Pay) in KSA.
  unit: currency
  aggregation: sum
  dimensions:
  - store
  - rail
- name: vat
  description: Value-added tax applied to fees (5% UAE, 15% KSA).
  unit: currency
  aggregation: sum
  dimensions:
  - store
  - region
principles:
- name: Visibility
  description: Pull settlement and fee reports from Merchant Administration; break out fees by method and currency.
- name: Allocation
  description: Tag stores/sub-merchants per brand or marketplace seller; map split-payment fees to the right cost center.
- name: Optimization
  description: Route local KSA payments to mada/STC Pay/UR Pay (lower rates than credit card); pick the volume band that matches monthly throughput; reduce chargebacks with 3-D Secure and risk rules.
- name: Accountability
  description: Reconcile monthly plan + per-transaction fees against processed volume; review method mix against the plan band each month.
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com