Toss Payments Finops

FinOps view of Toss Payments spend. Unlike a typical SaaS API, Toss Payments charges no fee for API access - cost is incurred as a per-transaction payment processing fee (PG fee) on the value of each approved payment. The dominant cost driver is the effective fee rate per payment method (card, easy-pay wallet, virtual account, bank transfer, mobile phone), which is set by the merchant contract and varies by industry/sales category and merchant grade. Card processing is publicly cited around 4.3% including 10% VAT for direct sign-up; other methods differ and virtual account is typically a fixed fee per deposit. Settlement (payout to the merchant) and, for marketplaces, seller payouts add timing and balance considerations rather than new fees. Because effective rates are contract-specific and not fully public, per-unit amounts are not reconciled here.