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
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.
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.
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