Toss Payments · FinOps Profile

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.

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

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

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

Tagged areas include Payments, Payment Gateway, South Korea, Fintech, and FinOps.

Category: Payments and Financial Services Pricing: Usage-Based Billing: Per-Transaction FOCUS v1.3
PaymentsPayment GatewaySouth KoreaFintechFinOpsCost ManagementFOCUS

Framework Alignment

Framework
FinOps Foundation Framework
Data Spec
FOCUS v1.3

Charge Categories

UsageTaxAdjustment

FOCUS Columns

BillingCurrency
KRW
ChargeCategory
Usage
InvoiceIssuerName
Toss Payments
PricingCategory
Usage-Based
ProviderName
Toss Payments
PublisherName
Toss Payments
ServiceCategory
Payments and Financial Services
ServiceName
Toss Payments PG

Meters

card_transaction_fee
Unit: transaction_value
Percentage fee on approved card payment value (publicly cited around 4.3% incl. VAT for direct sign-up; contract-dependent).
easy_pay_transaction_fee
Unit: transaction_value
Percentage fee on approved easy-pay/wallet payment value (Toss Pay, KakaoPay, Naver Pay; contract-dependent).
virtual_account_fee
Unit: transaction
Fee per virtual account deposit (typically fixed per transaction; contract-dependent).
transfer_fee
Unit: transaction_value
Fee on approved bank transfer payments (percentage or fixed; contract-dependent).
vat
Unit: currency
10% Korean VAT applied on top of card processing fees.

Sources

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