Scheme Fee Tracking
Scheme fees don't stand still — and neither should your oversight of them.
For most issuers and acquirers, scheme fees represent a significant and growing cost that changes every month. New fees are introduced, compliance rules shift, and complexity can make it very difficult and time consuming to reconcile invoices and understand what you’re paying for. The cost of not tracking scheme fees closely is margin erosion as unnecessary cost goes undetected:
New fees appear — schemes regularly introduce new and often optional services with clients automatically opted in, meaning charges accumulate unnoticed until someone looks closely enough to catch them
Compliance fines go undetected — without automated monitoring, behavioural and non-compliance penalties can persist for months before anyone identifies and addresses the root cause
Cost savings leak away after implementation — without ongoing tracking, hard-won reductions from a scheme fee review are rarely fully realised or sustained over time
Pricing and forecasting remain inaccurate — without granular, up-to-date visibility of fee movements, accurately modelling scheme fee exposure or building it into merchant pricing is virtually impossible
Scheme Fee Tracking from SchemeSense
Effortless monthly processing, without lifting a finger — each month we ingest your scheme invoices and volumetrics and have your updated analysis ready within 24 hours. No internal resource required, no complex data extracts — just a notification that your latest results are waiting.
From a single market to a global portfolio — the platform is built to handle complexity, ingesting issuing and acquiring invoices across multiple schemes, markets, lines of business and subsidiaries in a single unified view. Unit transaction economics, GL mapping, cross-scheme comparisons and cost allocation are all available out of the box, making it equally powerful for local, regional or global issuers and acquirers.
A powerful, secure platform built for payments professionals — your data is hosted in a secure Microsoft Azure environment, accessible only by your nominated users. SchemeSense delivers detailed fee analysis by type, trend, and month-on-month variance, with advanced filters, configurable watchlists and full export capability to Excel and Powerpoint.
Automatic detection of what matters most — the platform continuously monitors your invoice data to automatically flag new fees, compliance fines, unexpected charges and exception items the moment they appear. Rather than manually trawling through hundreds of invoice lines, your team is immediately directed to what needs attention and action
Take back control of your scheme fees — and keep it.
SchemeSense’s ongoing scheme fee tracking turns a complex, time-consuming burden into a streamlined, automated process. Instead of scrambling to understand your costs, you have clear, up-to-date visibility every single month — putting you in control of your costs:
Spot new fees the moment they appear — automated alerts flag new fees, opt-in services and compliance fines as soon as they hit your invoice, giving you the chance to challenge or opt out before costs compound
Turn savings into permanent gains — ongoing tracking ensures cost reductions identified during a scheme fee review are actually realised and sustained, rather than quietly rebuilding over time
Price with confidence — granular, up-to-date fee data means your merchant pricing and budgeting reflects your true cost base, protecting margins and improving competitiveness
Forecast and budget with precision, not guesswork — with granular, transaction-level fee data updated every month, your finance and pricing teams always have an accurate, up-to-date view of your scheme fee exposure. No more estimating, no more surprises at quarter-end — just reliable numbers that feed directly into your budgeting cycles, pricing models and commercial decisions