See exactly what you're earning — and where you could earn more.
Interchange is one of the largest income lines on an issuer's P&L — yet most issuers have surprisingly little visibility into what's driving it month to month. SchemeSense puts you back in control.
Book a demoWhy granular interchange tracking matters
The interchange rate you earn on any given transaction depends on a complex combination of card product, merchant category, transaction type and geography. Without granular, ongoing tracking, revenue erosion is invisible until it's already happened.
See exactly what you're earning and why
Transaction-level analysis broken down by card product, merchant category, channel, scheme and geography — replacing estimates and averages with actuals.
Identify your highest-value upgrade opportunities
Track spend patterns at cardholder and segment level to reveal where migration to premium or commercial products would generate materially higher interchange.
Give your finance team numbers they can rely on
Accurate, granular interchange income data updated regularly — so forecasting, budgeting and product pricing decisions are built on a solid foundation, not backward-looking approximations.
Interchange Fee Tracking from SchemeSense
The same platform trusted by issuers worldwide — configured to give you the granularity to act with confidence on interchange income.
Flexible data ingestion, zero integration
Ingests clearing data and volumetrics on a daily, weekly or monthly basis across multiple schemes, markets, card products and channels. No integration with your core systems required and no sensitive cardholder data is ever ingested.
Rich analytics for strategy, pricing and portfolio management
Goes beyond day-to-day monitoring to deliver interchange yield analysis by portfolio segment, spend category and card product — plus spend pattern visibility to identify cardholder upgrade candidates.
Granular analysis at every level that matters
Breaks down interchange income to transaction type, merchant, MCC, scheme, card product, geography, channel and Interchange Rate Designator or Fee Program Indicator — a precise, multi-dimensional view of exactly where your yield is strong, underperforming, and why.
Keep rewards and loyalty programmes sustainably funded
Interchange income is the primary funding mechanism for most rewards programmes. SchemeSense gives you a precise view of interchange yield by card programme, so you can see in real time whether your rewards economics still stack up.
Interchange income doesn't manage itself
Interchange is too important, and too variable, to monitor once a year. Card spend patterns shift, scheme rates change, and qualification rules evolve — all of which affect your income in ways that only become visible with the right data, at the right level of granularity, on a regular basis.
Forecast with accuracy, not approximation
Regularly updated, granular interchange income data means your finance team is working from numbers that reflect reality — producing revenue forecasts that hold up under scrutiny.
Keep rewards programmes profitable, not just popular
Real-time visibility of interchange yield by card programme and spend category means you always know whether your loyalty economics are sustainable — adjusting before they become a margin problem.
Turn spend data into a growth strategy
Track interchange yield and spend patterns at cardholder and segment level on an ongoing basis — continuously identifying customers who are candidates for product upgrades that would generate higher interchange.
Ready to take control of your interchange income?
The issuers who track interchange closely consistently outperform those who don't. Let us show you how SchemeSense can help.
Book a demo