Interchange flows in two directions — but only one way matters to you.

If you're an issuer, you'll want to maximise it. If you're an acquirer, you'll want to minimise it. Either way, you need to track it — closely, accurately, and every month.

Two perspectives. Two journeys. Choose yours.

For Issuers

Track and maximise interchange income

For issuers, interchange is revenue. See how SchemeSense reveals where you're earning, where you're under-qualifying, and where opportunities exist to optimise income across your portfolio.

Explore issuer tracking For Acquirers

Track and minimise interchange cost

For acquirers, interchange is cost. See how SchemeSense helps you identify downgrades, validate qualification, and stop unnecessary cost leaking through the merchant book month after month.

Explore acquirer tracking

Why interchange tracking matters

Interchange is the single largest economic flow in card payments. Yet for both issuers and acquirers, it shifts constantly — rates change, qualification rules evolve, transactions downgrade, and new programmes appear. Without close monitoring, the impact on profitability is rarely fully understood.

Rates and rules change frequently

Schemes update interchange tables multiple times a year, with regional, regulatory and category-specific nuances that quietly reshape your economics.

Downgrades cost more than you think

Transactions that fail to qualify for the optimal rate are a persistent, often-invisible drag on profitability — until someone measures them.

Portfolio mix shifts over time

Card mix, merchant mix and transaction mix all drift. Without ongoing visibility, the effect on weighted-average interchange is masked in monthly totals.

Pricing and forecasting depend on it

Whether setting merchant pricing, modelling issuer income or building budgets, the accuracy of every downstream decision rests on the quality of your interchange data.

Analysts reviewing interchange and scheme fee dashboards across a row of laptops in a boardroom

Every interchange fee tracked, analysed and optimised — across every product and market, for issuers and acquirers alike.

Interchange Fee Tracking from SchemeSense

The same platform, configured for the side of the transaction you sit on. Whether you're optimising income or controlling cost, SchemeSense gives you the granularity to act with confidence.

Monthly, automated, hands-off

Each month we ingest your interchange and transaction data and deliver your updated analysis within 24 hours. No internal resource required, no complex extracts — just a notification that your latest results are waiting.

Down to the transaction, up to the portfolio

Drill into rate qualification at the transaction level, or step back to view weighted-average interchange across markets, products, BINs or merchant segments. The platform handles both views from a single source of truth.

Secure, scalable, built for payments

Your data is hosted in a secure Microsoft Azure environment, accessible only by your nominated users. SchemeSense delivers detailed interchange analysis by rate, programme, region and trend — with advanced filters, configurable watchlists and full export to Excel and PowerPoint.

Anomalies surfaced automatically

The platform continuously monitors your data to flag downgrades, rate-table changes, mix shifts and qualification anomalies the moment they appear. Your team is directed straight to what needs attention.

Turn interchange data into profit

Interchange tracking earns its keep by translating raw data into decisions you can act on — every month.

Recover income you didn't know you were losing

For issuers, qualification gaps and rate-table misclassifications translate directly to lost interchange income. SchemeSense pinpoints where, and how much.

Cut unnecessary cost from your merchant book

For acquirers, downgrades and avoidable interchange burn margin quietly. Visibility is the first step to recovery — and the platform delivers it monthly.

Price with data, not assumptions

Granular, current interchange data feeds directly into your merchant pricing, programme launches and commercial decisions — replacing rules of thumb with real numbers.

Stay ahead of scheme changes

Rate tables, regional rules and qualification criteria change throughout the year. SchemeSense models the impact before it hits your bottom line, not after.

Ready 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 today, or contact us to discuss our advisory and consultancy services.