We've sat in your seat.
SchemeSense is brought to you by Pinnacle Payment Economics — a team of practitioners, consultants, data scientists and engineers who have spent 20+ years inside the world's banks, schemes, processors and payment businesses. That's why our analysis and advice is designed to be implemented, not just admired.
It's also why our technology works. SchemeSense is grounded in how payment economics actually behave in the real world — scheme fees, interchange, incentive agreements, merchant and product pricing — not how they look on paper. Our platform has been built by practitioners for practitioners and enables the job to get done faster, more accurately and cheaper.
What unites us
Different backgrounds, different specialisms, one shared focus: turning the complexity of payment economics into clarity and measurable client profit.
Senior practitioners
20+ years of experience on average, with hands-on experience inside global banks, card schemes, processors and acquirers — not theory from a textbook.
Profitability-obsessed
Every engagement is measured against one outcome: improving our clients' bottom line. Not the size of a deck, nor the elegance of our slide designs. Insight that doesn't lead to a P&L impact isn't useful.
Globally distributed
Local market knowledge across the Americas, Europe, the Middle East, Africa and Asia Pacific — paired with a single global perspective on payment economics.
Meet the team
Started his payments career at Deloitte before moving to Visa & Mastercard. Leads the development and delivery of SchemeSense and related consulting engagements. Scheme fee, interchange and financial modelling guru.
A seasoned payments consultant previously with Consult Hyperion, Worldpay and Fiserv, Tim heads up our technology, architecture and information security functions.
Previously a strategy consultant at A.T. Kearney and Head of Strategic Sales at Fiserv, Domagoj leads our commercial team, market expansion and partnership development.
Emelie has more than 15 years of experience in acquirer pricing and payment transaction economics. Previously at Worldline, Ingenico and Bambora, Emelie focuses on improving acquiring client profitability.
Bryce brings more than 18 years of experience in card payments, of which 13 years were at Visa. Our resident platform expert and orchestrator of product development.
Seyi's extensive payments career spans PwC and Visa Consulting. She has deep experience across the African continent and supports our client delivery and business expansion.
John brings industry experience from Worldline and NETS to deliver exceptional client outcomes from our scheme fee and interchange reviews. He also supports client onboarding.
Andrew's lengthy career with First Data Merchant Services brings deep merchant pricing, profitability analysis and complex financial modelling skills to the team.
As the most recent addition to the Pinnacle family, Calum brings very strong problem-solving and analyst skills to our delivery team and leads client onboarding to the SchemeSense platform.
Could this be you?
If you have experience of scheme fees, interchange, issuer and acquirer pricing — and are looking for a new challenge — we'd love to connect. We're growing fast and regularly looking for new members of the team.
Our global footprint
From offices spanning the Americas, Europe, the Middle East, Africa and Asia Pacific, we pair local market knowledge with a global perspective to support clients globally. Wherever possible and practical we deliver services remotely to protect the environment, but also travel to clients and embed resources when appropriate.
Want to talk to the team?
Whether you're an issuer, acquirer, BIN sponsor or PayFac — let us show you how Pinnacle Payment Economics can help improve your portfolio profitability.
Get in touch