Rate card

A rate card is the complete price definition that applies to a plan, a customer or a contract: the platform fee, each usage rate and its tiers, seat prices, percentage fees, included units, discounts, minimum commitments and caps. In billing systems it is a versioned object — every change is a new version with an effective date, so every invoice can be traced to the exact terms that produced it.

What a rate card contains

• Components — each priced building block: platform fee, payment-volume fee, API-call fee, AI-usage fee, seat fee, payout fee, FX fee.
• Models per component — flat, per unit, percentage, tiered, volume, graduated or package.
• Modifiers — discounts and credits.
• Country rules — surcharges or overrides by buyer or processing country.
• Tax policy — tax-exclusive or inclusive, reverse charge.
• Enterprise overrides — negotiated rates, minimum commitments, ramps and caps.

Why versioning matters

A price change should never rewrite a billed period. Without versioned rate cards, changing a rate on the 15th makes last month’s invoices unreproducible — and a disputed invoice undefendable.

How Fynex does it

Fynex prices each metric on a contract as a dated version and evaluates components in a fixed order — rate, allowance, caps, rounding, minimum — so the preview, the invoice and the audit trail agree. See Usage-Based Billing.