name: TranZak FinOps
description: Financial operations guidance for managing costs, monitoring usage, and optimizing spending when integrating with the TranZak payment APIs.
url: https://tranzak.net/pricing

cost_model:
  type: usage-based
  primary_costs:
    - name: Collection Fee
      rate: 2.5%
      applies_to: Every successful payment collection (mobile money, bank, card)
      example: A 10,000 XAF collection costs 250 XAF in fees

    - name: Disbursement Fees
      rate: Variable
      applies_to: Outbound transfers to mobile wallets, bank accounts, and Tranzak users
      source: Partner Pricing Agreement — contact support@tranzak.net

    - name: SMS Marketing
      rate: Per-message
      applies_to: Bulk SMS via POST /dn088/v1/sms/api/send-v2
      note: 1 SMS unit = 160 characters; longer messages billed as multiple units

    - name: OTP SMS
      rate: Per-message
      applies_to: OTP/verification SMS via POST /dn088/v1/sms/api/send-otp
      note: Same per-unit character pricing as marketing SMS

optimization_strategies:
  - name: Use Bulk Payment Endpoints
    description: Consolidate multiple disbursements into a single bulk payout request (up to 2,000 recipients) to reduce per-call overhead and simplify reconciliation.
    endpoints:
      - POST /xp021/v1/payout/transfer
      - POST /xp021/v1/payout/transfer-to-mobile-wallet
      - POST /xp021/v1/payout/transfer-to-bank-account

  - name: Optimize SMS Message Length
    description: Keep SMS messages at or under 160 characters to avoid multi-unit billing. Use templates stored in the Tranzak SMS portal.

  - name: Monitor via API Activity Endpoints
    description: Use the API activity endpoints to audit call volume, spot failed transactions, and resend notifications without re-initiating payments.
    endpoints:
      - GET /xp021/v1/api-activity/notifications
      - GET /xp021/v1/api-activity/api-calls
      - POST /xp021/v1/api-activity/trigger-tpn

  - name: Sandbox Testing
    description: Use the sandbox environment (sandbox.dsapi.tranzak.me) with SAND_ prefixed keys to validate integrations before incurring production fees.

  - name: Void Failed Requests
    description: Cancel unpaid or erroneous payment requests promptly using the void/cancel endpoints to avoid holding funds or creating reconciliation issues.
    endpoints:
      - POST /xp021/v1/request/cancel
      - POST /xp021/v1/request/void

monitoring:
  - Payout account balance: POST /xp021/v1/account/payout-account-details
  - Collection account balance: POST /xp021/v1/account/collection-account-details
  - Transaction history: GET /xp021/v1/request/history, GET /xp021/v1/transfer/history
  - Bulk payment status: GET /xp021/v1/payout/details, GET /xp021/v1/payout/transfers
  - Webhook events: REQUEST.COMPLETED, TRANSFER.COMPLETED, BULK_PAYMENT.COMPLETED

contact:
  support_email: support@tranzak.net
  phone: "+237 233 430 888"
  whatsapp: "+237 674 460 261"
  pricing_docs: https://tranzak.net/pricing
  community: https://community.tranzak.net/