Scheme fees have become one of the largest — and least understood — costs in a payments business. We help issuers and acquirers see exactly what they're paying and why, plan for change, and price with confidence.
Scheme fee structures are detailed and change often, and every release has to be interpreted and applied to your own business. We've spent decades inside this detail so you don't have to.
An in-depth review of one to two years of scheme billing. We rebuild expected fees from your transaction data, compare them with what was invoiced and benchmark the result.
Ongoing monitoring and validation of every fee the networks charge you — usually the natural next step after an audit.
Scheme contracts reward performance, but incentive structures are complex. We turn yours into something you can monitor.
Make the most of your scheme agreements. We help you understand the full value of each proposal and the incentives available over the life of the deal.
We've partnered with Cognodata to deliver our expertise through Cognopay, an AI-powered cloud platform for issuers and acquirers. It runs stand-alone or integrated with the wider Cognopay suite.
Insight experts update scheme data tables and rules every month, so every change applies from its effective date.
Replace spreadsheets with automated reconciliation and audit, and recover your full transaction costs.
Machine learning flags inconsistencies and forecasts the impact of upcoming fee changes.
Tailored dashboards give group control and local teams the view each needs.
Lower the risk of errors and lost expertise when people move on.
Detailed cost data to support every conversation with your schemes.
We understand scheme fees and the commercial context of pricing. Our pricing tables are tried and tested to optimise cost recovery, including non-transactional fees, while staying competitive, compliant and transparent in bundled, IC+, IC++ and IC+++ models.
Workflow for pricing decisions, with a specific price for each merchant based on its profile, your internal costs and its transaction behaviour. Automatic approvals, or routed to the right level for review.
Adds a merchant pricing simulator using up-to-date interchange and scheme fees, plus your internal and external costs — combining bundled and IC++ pricing matrices for maximum cost recovery.
The complete solution: price accurately, audit scheme and interchange fees paid, track history, forecast pricing changes, calculate margin and validate billing against costs.
Tell us what you're trying to solve. We'll tell you plainly whether we can help, and how.