specification: FinOps Framework
specificationVersion: '1.0'
schema: https://www.finops.org/framework/
provider: Wompi
providerId: wompi
created: '2026-07-17'
modified: '2026-07-17'
reconciled: false
tags:
- Payments
- Fintech
- Colombia
- FinOps
- Cost Management
- FOCUS
description: >-
  FinOps view of Wompi costs. Unlike metered API platforms, Wompi's cost is a
  per-successful-transaction commission (percentage + fixed COP fee + IVA/VAT)
  deducted from settlement, varying by payment method (CARD, PSE, NEQUI,
  Bancolombia). There is no per-API-call charge; the API itself is free with a
  merchant account. Cost management is about method mix, approval rates, and
  chargeback/void handling rather than token/request metering.
notes: >-
  Commission rates are set by the merchant's Wompi / Grupo Bancolombia
  agreement and settle in COP. Verify current per-method rates on the Wompi
  pricing page during reconciliation.
sources:
- https://wompi.co/
- https://docs.wompi.co/
- 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: Wompi
serviceCategory: Payments
billingModel:
  pricingCategory: Commission-Based
  billingFrequency: Per-Settlement
  billingCurrency: COP
  chargeCategories:
  - Usage
  - Adjustment
focusColumns:
  ServiceName: Wompi Payment Gateway
  ServiceCategory: Payments
  ProviderName: Wompi
  PublisherName: Wompi (Grupo Bancolombia)
  InvoiceIssuerName: Wompi
  BillingCurrency: COP
  ChargeCategory: Usage
  PricingCategory: Commission-Based
meters:
- name: transaction_commission
  description: Per-successful-transaction commission (percentage + fixed COP fee + IVA), varying by payment method.
  unit: transactions
  aggregation: sum
  dimensions:
  - merchant
  - payment_method
  - currency
- name: refunds_and_voids
  description: Voided/annulled card transactions and refunds that adjust settled amounts.
  unit: transactions
  aggregation: sum
  dimensions:
  - merchant
  - payment_method
principles:
- name: Visibility
  description: Reconcile settlement reports by payment method; track effective take-rate (fees / gross volume).
- name: Allocation
  description: Tag transactions by merchant reference / storefront to map payment costs to products or channels.
- name: Optimization
  description: Steer customers toward lower-cost methods (PSE / Nequi vs. card) where appropriate; reduce declines to avoid retry cost and lost revenue.
- name: Accountability
  description: Review monthly commission and chargeback/void rates against budget and approval-rate targets.
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com