Scheme Cost Analytics

Get the cost of a card payment transaction on demand, generate payment cost forecast and optimize payment cost and profitability with AI, this is the aim of our scheme cost and interchange monitoring solution.

Dedicated to issuers, acquirers and large merchants, our solution offers:

  • Regular and systematic scheme invoice monitoring
    • Cost, unit cost and cost driver monitoring per billing event
    • New billing event review
    • Abnormal cost trend automatic identification
    • Cost amount consistency control per billing event
  • Reconciliation scheme invoice with settlement
    • Automatic reconciliation between financial movements and scheme invoices
  • Scheme cost forecast
    • Forecast for regular budget exercises
    • Forecast for scenario & strategic options analysis
    • Forecast for card portfolio rationalization
  • Scheme fee calculation per transaction
    • Calculate scheme cost per transaction
    • Optimize pricing and net payout calculation (for acquirers)
  • Benchmark
  • Alarms & analytics

The scheme invoice analytics reduces the time in back office to compile scheme costs data and offers a regular, robust and reliable analytics solution to pilot card business for issuing and acquiring institutions.

Function 1 : Data collection

  • Load scheme invoice (File transfer)
  • Load relevant clearing & settlement data (API)
  • Load quarterly reports (File transfer or API)
  • Customize scheme billing event parameter (if required)
  • Define forecast parameters (growth rate per relevant dimensions)

Function 2 : Analytics

  • Scheme fee calculation per transaction
  • Billing event unit cost evolution per product per entity per billing event
  • Billing event driver evolution per product per entity per billing event
  • Benchmark per scheme, per product, per year, per entity
  • Variance analysis & case management for excessive variance
  • Sensibility analysis (‘what If’ analysis)
  • Follow up CBA

Function 3 : Forecast & scenario analysis

  • Forecast scheme invoice amount per billing event based on scenario
  • Check relevancy of current scheme invoice amount per billing event based on actuals
  • Follow up CBA with forecast scenario

Server & client environment 

  • Require following components
    • ETL Server (Java)
    • Core B-Cephal server (Java)
    • Scheme monitoring module (Java)
    • B-Cephal client (.net)
  • Installation available on site or in SaaS mode

Technical DB

  • The default DB is PostgreSQL

Miscellaneous

  • Multi user 
    • Native authentication and log in function
    • Possibility to integrate corporate Single Sign On protocol
  • Archive and purge
    • Native archive function to schedule DB back-up
    • Native purge function to reduce DB size without impacting business operations

BIN sponsor Case

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Clearing & Settlement Reconciliation

Payment Reconciliation

Scheme Cost Analytics

ERP for Acquirers

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