Scheme Cost Analytics

The scheme invoice analytics modules helps product owners and business controllers to monitor the economics of the scheme costs.

The scheme invoice monitoring solution offers:

  • Unit cost evolution per billing event
  • Billing driver evolution per billing event
  • Scheme invoice amount consistency and relevancy control
  • Scheme cost and interchange calculation per merchant transaction, per ATM transaction or per cardholder transaction
  • Sensitivity analysis
  • Benchmark
  • Scheme cost forecast
  • Alarms & trends review

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

  • 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


  • 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


See all modules

Clearing & Settlement Reconciliation

Payment & Invoice Reconciliation

Scheme Cost Analytics

ERP for Acquirers

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