Unit · FinOps Profile

Unit Co Finops

FinOps view of Unit spend. Unit is a Banking-as-a-Service platform sold under a negotiated production contract (no public price list); sandbox usage is free. Production cost drivers are a platform/minimum fee, per-transaction and per-card fees, ACH/wire network and processor pass-through, and a revenue share on card interchange and account interest that flows the other direction (from Unit to the customer's program) net of Unit's share. Programs typically span multiple cost centers - onboarding/KYC volume, active accounts, active cards, transaction/payment throughput, and dispute/fraud handling.

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

It defines 7 billable meters, billed in USD, on a monthly cycle, and pricing category subscription + usage.

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

Tagged areas include FinTech, BaaS, Banking, Card Issuing, and ACH.

Category: Banking as a Service Pricing: Subscription + Usage Billing: Monthly FOCUS v1.3
FinTechBaaSBankingCard IssuingACHFinOpsCost ManagementFOCUS

Framework Alignment

Framework
FinOps Foundation Framework
Data Spec
FOCUS v1.3

Charge Categories

UsagePurchaseAdjustment

FOCUS Columns

BillingCurrency
USD
ChargeCategory
Usage
InvoiceIssuerName
Unit
PricingCategory
Subscription + Usage
ProviderName
Unit
PublisherName
Unit Finance, Inc.
ServiceCategory
Banking as a Service
ServiceName
Unit BaaS Platform

Meters

applications_processed
Unit: application
Individual and business applications submitted for onboarding/KYC review.
active_accounts
Unit: account
Open deposit and credit accounts under management.
active_cards
Unit: card
Active debit and credit cards issued.
transactions_processed
Unit: transaction
Posted ledger transactions across payments, cards, and checks.
ach_wire_transfers
Unit: transfer
ACH and wire payments originated or received.
interchange_revenue_share
Unit: usd
Unit's contractual share retained from gross card interchange.
dispute_fraud_cases
Unit: case
Card disputes and fraud outreach cases handled.

Sources