Usage-based billing for Fintech

Transaction-based billing for fintech: per-transaction, volume tiers and minimums on one invoice

How fintech software companies bill per-transaction, per-account and volume-based pricing in Bunny — with tiers, minimum commitments and platform fees on one subscription, and every rated unit itemised for the customer.

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What makes usage-based billing different for fintech software

Software sold to banks, lenders, payment companies and finance teams, where billing is transaction- or volume-based and the buyer expects audit-grade revenue reporting.

  • The unit is money, or close to it

    Basis points on volume, cents per transaction, dollars per account. Rating errors are visible on the customer's own reconciliation, and disputes are expensive.

  • Minimums and tiers negotiated per customer

    A monthly minimum with tiered rates above it, different for each bank or lender. The contract, not the price list, decides the rating.

  • Platform fee plus transactional

    Almost every fintech contract has a recurring licence or platform fee and a transactional component. Two billing systems means two invoices and a reconciliation problem on both sides.

  • Invoices that satisfy the customer's finance team

    Buyers want usage itemised by period, rate and tier so they can reconcile the invoice against their own transaction counts.

How Bunny handles usage-based billing for fintech software

  1. 01

    Transactional units as usage charges

    Transactions, accounts, volume or any countable unit is a usage-based charge on the plan, reported through Bunny's GraphQL API and rated at period end.

    Usage-based billing in Bunny
  2. 02

    Tiered, volume and banded rating

    Rates that step down with volume, block pricing per thousand transactions, or bands with different rates per range — each charge uses the model in the contract.

    Tiered vs volume pricing
  3. 03

    Minimum commitments

    A monthly or annual minimum is a recurring charge, with usage rated above it, so the customer pays the greater of minimum or actual on one invoice.

    Minimum commitments
  4. 04

    Contract-specific rates via the quote

    Per-customer rates, tiers and minimums are set on the quote and follow the subscription. The catalog holds list pricing; the deal holds the negotiated terms.

    Quoting in Bunny
  5. 05

    Itemised invoices

    Usage charges appear on the invoice with quantity, rate and tier, alongside the recurring platform fee, so the customer's finance team can reconcile it.

    Invoicing
  6. 06

    Revenue and metrics that separate the components

    Recurring and transactional revenue are distinguishable in Bunny's analytics and in the revenue recognition schedules, so MRR is not inflated by volume.

    Revenue recognition for fintech

Precision is the product

In fintech the invoice is checked against the customer’s own ledger. A rating discrepancy of a few basis points is not a rounding issue; it is a dispute with a customer whose business is counting money. That puts a premium on the rating living in one place, with the contract terms applied once.

Bunny does this by making the quote the source of the rates. The negotiated tier table, minimum and rate per unit are on the accepted quote, carried by the subscription, and used by the rating at period end. Finance sees the same numbers on the invoice, in the revenue schedule and in the analytics, because there is only one set of them.

Usage-based billing for other industries

The same workflow, written up for other kinds of B2B SaaS. Browse all industries.

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FAQ

Frequently asked questions

Can Bunny bill basis points on processed volume?
Yes. Report processed volume as usage against the subscription and price it with a rate per unit of volume, tiered or banded as the contract requires. Bunny rates it at period end and itemises it on the invoice.
How does a monthly minimum with tiered overage work in Bunny?
The minimum is a recurring charge on the subscription. Usage above the included amount is rated on the usage charge's tiers, so the invoice shows the minimum plus any excess.
Can each bank or lender have its own rate card?
Yes. Rates, tiers and minimums are overridden on the quote for that customer and carried on their subscription, without changing the catalog for anyone else.
Will the invoice show enough detail for the customer to reconcile?
Yes. Each usage charge is itemised with quantity, rate and tier for the period alongside recurring charges, and customers can see invoices and usage in the portal.