specification: FinOps Framework
specificationVersion: '1.0'
schema: https://www.finops.org/framework/
provider: Unit
providerId: unit-co
created: '2026-07-02'
modified: '2026-07-02'
reconciled: false
tags:
- FinTech
- BaaS
- Banking
- Card Issuing
- ACH
- FinOps
- Cost Management
- FOCUS
description: >-
  FinOps view of Unit spend. Unit is a Banking-as-a-Service platform sold
  under a negotiated production contract (no public price list); sandbox
  usage is free. Production cost drivers are a platform/minimum fee,
  per-transaction and per-card fees, ACH/wire network and processor
  pass-through, and a revenue share on card interchange and account
  interest that flows the other direction (from Unit to the customer's
  program) net of Unit's share. Programs typically span multiple cost
  centers - onboarding/KYC volume, active accounts, active cards,
  transaction/payment throughput, and dispute/fraud handling.
notes: >-
  Rates are not reconciled here; confirm current commercial terms with a
  Unit solution engineer. FOCUS alignment below is directional, mapping
  Unit's billing concepts onto FOCUS columns for cross-provider cost
  reporting.
sources:
- https://www.unit.co/
- https://www.unit.co/docs/api/
- https://www.unit.co/docs/cards/interchange/
- 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: Unit Finance, Inc.
serviceCategory: Banking as a Service
billingModel:
  pricingCategory: Subscription + Usage
  billingFrequency: Monthly
  billingCurrency: USD
  chargeCategories:
  - Usage
  - Purchase
  - Adjustment
focusColumns:
  ServiceName: Unit BaaS Platform
  ServiceCategory: Banking as a Service
  ProviderName: Unit
  PublisherName: Unit Finance, Inc.
  InvoiceIssuerName: Unit
  BillingCurrency: USD
  ChargeCategory: Usage
  PricingCategory: Subscription + Usage
meters:
- name: applications_processed
  description: Individual and business applications submitted for onboarding/KYC review.
  unit: application
  aggregation: sum
  dimensions:
  - org
  - application_type
- name: active_accounts
  description: Open deposit and credit accounts under management.
  unit: account
  aggregation: max
  dimensions:
  - org
  - account_type
- name: active_cards
  description: Active debit and credit cards issued.
  unit: card
  aggregation: max
  dimensions:
  - org
  - card_product
- name: transactions_processed
  description: Posted ledger transactions across payments, cards, and checks.
  unit: transaction
  aggregation: sum
  dimensions:
  - org
  - account_type
- name: ach_wire_transfers
  description: ACH and wire payments originated or received.
  unit: transfer
  aggregation: sum
  dimensions:
  - org
  - rail
- name: interchange_revenue_share
  description: Unit's contractual share retained from gross card interchange.
  unit: usd
  aggregation: sum
  dimensions:
  - org
- name: dispute_fraud_cases
  description: Card disputes and fraud outreach cases handled.
  unit: case
  aggregation: sum
  dimensions:
  - org
principles:
- name: Visibility
  description: >-
    Pull the Transactions, Statements, and Events APIs on a schedule to
    attribute Unit-driven activity (and therefore fee exposure) to internal
    cost centers and end customers.
- name: Allocation
  description: >-
    Use Unit's tags attribute on applications, accounts, and payments to
    attribute per-transaction and per-card fees to the correct product line
    or business unit.
- name: Optimization
  description: >-
    Favor Book Payments (free, instant, internal) over ACH/wire where funds
    stay on Unit's ledger; batch and filter Events/webhook subscriptions to
    avoid unnecessary downstream processing costs.
- name: Accountability
  description: >-
    Assign a program owner to review monthly Unit invoices against contract
    minimums, active account/card counts, and interchange revenue share
    reconciliation.
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com