Acquiring Management System · Lead product
The acquiring core, rebuilt for today.
LenzCore is the Lenzcard acquiring management system: merchants, MIDs and TIDs, transactions, settlement, switch data, pricing and merchant statements, with LenzView and LenzOptima built on the same data.
Merchants · 1,284
Merchant profile
ActiveNorthgate Electronics
Northgate Electronics Ltd · MCC 5732
KYC
Verified
30-day volume
GBP 1.92M
Hierarchy
GRP-2201 Northgate Group
M-100482
OUT-01 High Street
MID 4410023817 · TID 80012231, 80012232
OUT-02 Online store
MID 4410023904 · TID E-COM-01
Architecture
One data layer under the whole acquiring business.
Switch, scheme and bank settlement files flow into Lenzcard once, are normalised once, and power LenzCore, LenzView and LenzOptima.
Sources
Acquirer switch
ISO 8583 · APIs
Scheme clearing files
Visa · Mastercard · local
Bank settlement files
Statements · MT940
Lenzcard data layer
Normalised merchants, transactions, fees and settlement · one model
Used by
Role-based access on every layer
Merchant master
AvailableEvery merchant, outlet, MID and TID in one hierarchy.
Model merchant groups, merchants, outlets, MIDs and TIDs exactly as your business runs them, with onboarding workflows and approvals built in.
- Legal name, trading name, address and contacts
- KYC documents and status
- MCC and settlement bank account
- Onboarding workflow with approvals
Legal & trading
- Legal name
- Saffron Kitchens Pvt Ltd
- Trading name
- Saffron Kitchens
- MCC
- 5812
- Address
- 22 Hill Road, Bandra West, Mumbai
- Contact
- finance@saffron.example
- Settlement
- IN** **** 4471
KYC documents
Onboarding workflow
- Application
- KYC documents
- Risk review
- Pricing approval
- MID / TID issued
Transaction analytics per MID
AvailableKnow what every MID earns, and what it costs.
Volume and count by scheme, card type and channel, with MSF earned, interchange and scheme cost netted down to margin.
- Visa, Mastercard and local schemes
- Domestic vs international
- Credit, debit, prepaid and commercial
- POS, e-commerce and tap to pay
- MSF, interchange, scheme cost and net margin
Volume
GBP 412K
+6.2%
Count
18,904
+3.1%
MSF earned
GBP 6,180
1.50%
Net margin
GBP 1,940
47 bps
By scheme
By channel (%)
Cost stack (bps)
Domestic 71% · International 29% · Credit 44% · Debit 41% · Prepaid 6% · Commercial 9%
Pricing & MSF
Early accessPrice merchants precisely, approve changes safely.
Blended, IC++ and tiered pricing per merchant, MCC or group. Every change carries an effective date and passes through an approval workflow.
- Blended, IC++ and tiered models
- Per merchant, MCC or group
- Effective-dated price plans
- Maker-checker approvals
Price plans
Approval · Northgate Electronics IC++
Switch integration
AvailablePlugs into the switch you already run.
Connectors for leading acquiring switches via ISO 8583 extracts, files and APIs. No switch replacement, no rip-and-replace project.
- ISO 8583 extracts
- Scheme clearing files over SFTP
- APIs for real-time feeds
- Field mapping managed in the console
Connectors
ISO 8583 field mapping
DE 2 → PAN (tokenised)
DE 4 → Amount
DE 18 → MCC
DE 22 → Entry mode
DE 41 → TID
DE 42 → MID
Settlement & reconciliation
AvailableThree-way matching, every single day.
Switch, scheme settlement and bank statements matched daily. What does not match lands in an exception queue with ageing and owners.
- Daily three-way matching
- Exception queue with ageing
- Configurable auto-matching rules
- Merchant payout files
Switch
48,211
txns
Scheme settlement
48,187
-24
Bank statement
48,180
-31
Exception queue
Merchant payout files
Auto-match rules matched 99.4% before review.
Merchant portal & statements
Coming soonGive merchants answers before they call.
A self-service portal with monthly statements, transaction search and dispute visibility, branded as yours.
- Self-service merchant portal
- Monthly statements
- Transaction search
- Dispute visibility
Settled this month
BRL 6.40M
+4.8%
Next payout
BRL 214K
Tomorrow
Open disputes
3
BRL 2,140
Statements
Transaction search
628311402219BRL 412.00
628311402233BRL 86.50
628311402260Chargeback
Modern UI
Built for the people who use it every day.
Role-based dashboards, fast search across merchants, MIDs and transactions, and an audit trail on every change.
- Role-based dashboards
- Search anything in one box
- Audit trail on every change
Your dashboard
Finance view
Net MSF GBP 1.14M
+3.2% vs plan
Change history
MSF 1.65% → 1.55%09:42
Ops user 1 · Sierra Auto Parts
Added TID 8001224009:10
Ops user 2 · Northgate Electronics
KYC status → VerifiedYesterday
Risk user 1 · Saffron Kitchens
Why switch
Why teams move from legacy back-office systems.
Modern UI
Fast, searchable screens instead of green-screen menus and spreadsheets.
Faster onboarding
Digital applications, KYC and approvals in one workflow.
Real-time MIS
Dashboards fed by the same data the operation runs on.
Built-in cost optimisation
Scheme fee and interchange intelligence included, not bolted on.
Cloud or on-premise
Deploy in our cloud or inside your own data centre.
Security
Secure by design.
Controls built for regulated acquiring. Certification status is shared during due diligence.
Role-based access
Granular permissions by role, entity and portfolio.
Encryption
Data encrypted in transit and at rest.
Audit logs
Every view, change and approval recorded.
Data residency options
Host in-region to meet local requirements.
PCI DSS-aligned architecture
Designed around PCI DSS principles, with card data tokenised.
Deployable in Lenzcard cloud or on-premise.
See LenzCore on your own merchant book.
A 30-minute walkthrough with your merchant hierarchy and pricing. No slides.