2C2P · FinOps Profile

2C2P Finops

FinOps view of 2C2P spend. 2C2P is a merchant acquirer / payment gateway, so cost is not a per-API-call software fee but a per-transaction payment cost: typically a merchant discount rate (a percentage of transaction value) and/or a fixed per-transaction fee, which vary by payment method (card scheme, e-wallet, QR, installment, cross-border), currency, country, settlement terms, and the negotiated merchant agreement. Additional costs can include cross-border / FX and dynamic currency conversion margins, refund/chargeback handling, and payout/disbursement fees. There is no public self-serve rate card; pricing is set during commercial onboarding.

2C2P Finops is the FinOps profile for 2C2P on the APIs.io network, aligned with the FinOps Foundation Framework.

It defines 5 billable meters, billed in Multi-Currency, on a per settlement cycle, and pricing category transaction-based.

The profile maps 8 FOCUS columns for cost-allocation reporting.

Tagged areas include Payments, Payment Gateway, Southeast Asia, Cards, and E-Wallet.

Category: Payments and Financial Services Pricing: Transaction-Based Billing: Per Settlement FOCUS v1.3
PaymentsPayment GatewaySoutheast AsiaCardsE-WalletFinOpsCost ManagementFOCUS

Framework Alignment

Framework
FinOps Foundation Framework
Data Spec
FOCUS v1.3

Charge Categories

UsagePurchaseAdjustment

FOCUS Columns

BillingCurrency
Multi-Currency
ChargeCategory
Usage
InvoiceIssuerName
2C2P
PricingCategory
Transaction-Based
ProviderName
2C2P
PublisherName
2C2P
ServiceCategory
Payments and Financial Services
ServiceName
2C2P Payment Gateway

Meters

transaction_value
Unit: percent_of_amount
Merchant discount rate (MDR) applied as a percentage of each processed transaction's value. Rate varies by payment method, scheme, and market.
per_transaction_fee
Unit: transactions
Fixed fee charged per successful transaction, on top of or instead of the percentage MDR, depending on method and agreement.
cross_border_fx
Unit: percent_of_amount
Cross-border and FX / dynamic currency conversion margin on multi-currency and international transactions.
refund_chargeback
Unit: events
Handling fees for refunds and chargebacks / disputes, where applicable per the merchant agreement.
payout_disbursement
Unit: transactions
Fees for payout / disbursement of funds to beneficiaries via 2C2P Payout services, where used.

Sources

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