PAY.JP · FinOps Profile

Payjp Finops

FinOps view of PAY.JP costs. Unlike metered API platforms, PAY.JP has no per-call API charge; cost is driven by payment volume. Merchants pay a percentage processing fee (決済手数料) per successful charge, a fixed transfer fee (振込手数料) per payout, and, on Business/Enterprise plans, a fixed monthly plan fee. Refunds reverse the principal but the processing fee treatment follows PAY.JP policy. All billing is in JPY.

Payjp Finops is the FinOps profile for PAY.JP on the APIs.io network, aligned with the FinOps Foundation Framework.

It defines 5 billable meters, billed in JPY, on a per-transaction and monthly cycle, and pricing category usage-based.

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

Tagged areas include Payments, FinTech, Japan, FinOps, and Cost Management.

Category: Payments and Financial Services Pricing: Usage-Based Billing: Per-transaction and Monthly FOCUS v1.3
PaymentsFinTechJapanFinOpsCost ManagementFOCUS

Framework Alignment

Framework
FinOps Foundation Framework
Data Spec
FOCUS v1.3

Charge Categories

UsagePurchaseAdjustment

FOCUS Columns

BillingCurrency
JPY
ChargeCategory
Usage
InvoiceIssuerName
PAY, Inc.
PricingCategory
Usage-Based
ProviderName
PAY.JP
PublisherName
PAY, Inc.
ServiceCategory
Payments and Financial Services
ServiceName
PAY.JP

Meters

card_processing_fee
Unit: percent_of_amount
Percentage fee on each successful card charge; rate varies by plan and card brand.
paypay_processing_fee
Unit: percent_of_amount
Percentage fee on each successful PayPay payment; rate varies by merchant category.
transfer_fee
Unit: jpy
Fixed 250 JPY fee deducted per payout to the merchant bank account.
monthly_plan_fee
Unit: jpy
Fixed monthly platform fee on Business (20,000 JPY) and Enterprise (50,000 JPY) plans.
refunded_amount
Unit: jpy
Principal reversed on refunds (full or partial) via POST /charges/{id}/refund.

Sources