Moov · FinOps Profile

Moov Io Finops

FinOps view of Moov platform spend. Moov bills usage-based per-transaction fees that vary by rail - flat per-transaction for ACH (next-day / same-day), interchange-plus percentage-plus-fixed for card acceptance, and percentage (with min/cap) for RTP credit, push-to-card, and pull-from-card. Additional per-item fees apply to active wallets (monthly), virtual card creation, paid invoices, and bank account validation, plus exception fees for ACH returns and card disputes. A $500 monthly minimum applies.

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

It defines 8 billable meters, billed in USD, on a monthly cycle, and pricing category usage-based.

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

Tagged areas include Payments, Money Movement, Fintech, ACH, and RTP.

Category: Financial Services Pricing: Usage-Based Billing: Monthly FOCUS v1.3
PaymentsMoney MovementFintechACHRTPCardsFinOpsCost ManagementFOCUS

Framework Alignment

Framework
FinOps Foundation Framework
Data Spec
FOCUS v1.3

Charge Categories

UsagePurchaseAdjustment

FOCUS Columns

BillingCurrency
USD
ChargeCategory
Usage
InvoiceIssuerName
Moov Financial
PricingCategory
Usage-Based
ProviderName
Moov Financial
PublisherName
Moov Financial
ServiceCategory
Financial Services
ServiceName
Moov

Meters

ach_transactions
Unit: transactions
ACH transfers billed per transaction (next-day $0.25, same-day $0.40).
card_acceptance
Unit: transactions
Card acceptance billed interchange-plus percentage plus fixed per successful charge, with a per-attempt fee.
instant_payments
Unit: transactions
RTP credit and push-to-card billed as a percentage per transaction with min/cap; pull-from-card percentage plus fixed.
active_wallets
Unit: wallets
Active stored-balance wallets billed monthly per wallet.
virtual_cards
Unit: cards
Virtual (issued) cards billed per card created.
invoices
Unit: invoices
Paid invoices billed per paid invoice.
bank_validations
Unit: validations
Bank account validations billed per instant or third-party validation.
exceptions
Unit: events
Exception fees for ACH returns, unauthorized returns, and card disputes / chargebacks.

Sources