Clarity from complexity.
SchemeSense unlocks value in your issuing and acquiring business by revealing actionable insights into scheme fees, announcements and interchange — combining a powerful SaaS platform with the deep expertise of Pinnacle Payment Economics.
Where complexity hides, costs multiply.
Monitoring, reconciling, forecasting and keeping on top of scheme fees and interchange can be a very time-consuming and laborious process — yet failure to do so can quietly erode portfolio profitability. SchemeSense has helped issuers and acquirers around the world materially improve profitability by helping them optimise scheme fees and interchange, and remain compliant with scheme announcements — avoiding unnecessary cost.
Visibility that changes everything.
Effortless analysis of scheme invoices, announcements and interchange — revealing new costs, anomalies, trends and unit transaction economics.
Savings hiding in plain sight.
Cost-saving opportunities surfaced — and pro-active avoidance of unnecessary expense — via rigorous analysis of announcements and invoices.
Compliance without the chaos.
Scheme announcement analysis that enables impact assessment, prioritisation and team workflow — keeping you ahead of every change.
Universal challenges. Proven solutions.
The scheme fee complexity, hidden compliance costs and interchange leakage we uncover exist in every payments organisation — regardless of size, maturity or geographic footprint. From PE-backed fintechs to global top-10 acquirers, from single-market issuers to multi-continent portfolios, the same structural inefficiencies quietly compound.
That’s why SchemeSense was built — to supplement our consulting services and to put organisations of every scale and complexity in control of their costs and income.
The SchemeSense platform
Three integrated SaaS modules. One source of truth.
Built by payments practitioners for payments professionals — SchemeSense ingests your payments data each month and delivers a clear, actionable view of fees, interchange and announcements across every market and line of business you operate in.
Automated monthly analysis of scheme invoices — flagging new fees, compliance fines and anomalies the moment they appear.
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Expert curation, categorisation and analysis of every relevant scheme announcement — with deadlines flagged, opt-outs surfaced, and full integration to your scheme fee data.
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Monthly transaction-level visibility of interchange across your portfolio — for issuers maximising income, and for acquirers controlling cost.
Learn morePractitioner-led consulting services
From rapid diagnostics to long-term advisory partnerships.
Alongside the platform, our consultants — many former scheme, issuer and acquirer practitioners — deliver targeted engagements that turn analysis into measurable profit.
Services are tailored to your line of business — select above to see the most relevant view.
Scheme Fee Review
Focused 4–6 week diagnostic across 12 months of scheme invoices, typically identifying 7–15% in recurring cost savings.
Learn moreIncentive Agreement Support
Modular 6-phase support covering scheme RFPs, offer analysis, negotiation and contract review to maximise incentive outcomes.
Learn moreInterchange Fee Review
Review of current interchange earned, with identification of programme and cardholder upgrade opportunities to maximise interchange income.
Learn moreIssuer Profitability Model
Sophisticated model to reveal and forecast issuing profitability to product and programme level — informing pricing strategy and portfolio management.
Learn morePortfolio Profitability Review
Issuer profitability analysis at product and programme level — to inform commercial action, re-pricing and portfolio optimisation.
Learn moreScheme Fee Cost Allocation
Monthly allocation of scheme fees to product, programme or client level — essential for accurate cost recovery and pass-through, especially for BIN sponsors.
Learn moreForecasting & Accruals
P&L impact modelling of scheme fee, interchange and volumetric changes for budgeting and accrual purposes.
Get in touchScheme Fee Tracking
SaaS platform for ongoing scheme cost control — flagging new fees, compliance fines and anomalies across multiple schemes, markets and lines of business.
Learn more SchemeSenseScheme Announcement Tracking
SaaS platform that analyses, categorises and prioritises your scheme announcements — flagging mandates and default opt-ins before they hit your P&L.
Learn more SchemeSenseInterchange Fee Tracking
Granular ongoing interchange analysis at scheme, card type, product and programme level — visibility that drives smarter income optimisation.
Learn more SchemeSenseScheme Fee Review
Focused 4–6 week diagnostic across 12 months of scheme invoices, typically identifying 7–15% in recurring cost savings.
Learn moreInterchange Fee Review
Review of interchange qualification, BIN and MCC classification — typically leading to reduced outgoing interchange.
Learn moreIncentive Agreement Support
Modular 6-phase support covering scheme RFPs, offer analysis, negotiation and contract review to maximise incentive outcomes.
Learn moreMerchant Pricing Model
Merchant-level pricing tool to size, structure and stress-test acquirer pricing for new and existing merchants — ensuring accurate cost recovery and margin protection.
Learn moreMerchant Pricing Review
Merchant-level review of interchange and scheme fee recovery, identifying re-pricing and margin improvement opportunities across the portfolio.
Learn moreScheme Fee Cost Allocation
Monthly allocation of scheme fees to transaction type, merchant, MCC and channel level — ensuring pricing efficacy and maximising recovery.
Learn moreBilling Configuration Review
Analysis of merchant billing methodologies to maximise scheme fee and interchange recovery from merchant billing.
Get in touchForecasting & Accruals
P&L impact modelling of scheme fee, interchange and volumetric changes for budgeting, accrual purposes and predictive pricing inputs.
Get in touchScheme Fee Tracking
SaaS platform for ongoing scheme cost control — flagging new fees, compliance fines and anomalies across multiple schemes, markets and lines of business.
Learn more SchemeSenseScheme Announcement Tracking
SaaS platform that analyses, categorises and prioritises your scheme announcements — flagging mandates and default opt-ins before they hit your P&L.
Learn more SchemeSenseInterchange Fee Tracking
Granular ongoing interchange analysis at merchant, MCC, scheme, product, geography and channel level — key input for pricing, forecasting and cost control.
Learn more SchemeSenseReady to take control of your scheme fees, announcements & interchange?
Our team of subject-matter experts is here to help you. Whether you're an issuer or an acquirer, an ISO or a PayFac, let us show you how easily and quickly SchemeSense can help you improve portfolio profitability.
Book a demo