Clarity from complexity.

SchemeSense unlocks value in your issuing and acquiring business by revealing actionable insights into Scheme Fees, Announcements and Interchange.

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 impact portfolio profitability.

SchemeSense has helped issuers and acquirers around the world materially improve profitability by helping them optimise scheme fees & interchange and remain compliant with scheme announcements, avoiding unnecessary cost.

CLARITY

COST CONTROL

COMPLIANCE

Where complexity hides, costs multiply.

SchemeSense enables effortless analysis of scheme invoices, announcements and interchange, revealing new costs, anomalies, trends and unit transaction economics.

Savings hiding in plain sight.

SchemeSense reveals cost-saving opportunities and enables pro-active avoidance of unnecessary expense via rigorous analysis of announcements.

Compliance without the chaos.

SchemeSense analyses scheme announcements enabling impact assessment, prioritisation and team workflow.

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Leadership Team

SchemeSense is a Pinnacle Payment Economics service, developed by a team of subject matter experts in payments profitability, scheme fees, interchange, incentive agreements and issuer & acquirer pricing.

Ian Coles

Joint Managing Director

Ian is Joint Managing Director of Pinnacle Payment Economics, and has 30+ years’ experience in payments. Ian is also the founder of Pinnacle Payment Consulting, which provides payments consultancy, resourcing and education services to clients globally. Ian previously held senior roles at Santander, Mastercard, and HSBC.

Adam Hozaifa