LenzOptimaby Lenzcard
Optimisation & Compliance · Every basis point, recovered.
Scheme fee and interchange optimisation.
LenzOptima reads scheme invoices line by line, finds interchange downgrades, models pricing and automates QMR and QOC, so every basis point is accounted for.
app.lenzcard.com / scheme-fees / sep-2026Sample data
Invoice total
USD 1.24M
+4.1% MoM
Flagged lines
23
USD 61.8K
Recovered YTD
USD 412K
+USD 38K
Invoice lines
2DO4311USD 42,118Cross-border assessment
2FF0410USD 18,904Base II clearing fee
2DO4311USD 42,118Cross-border assessmentPossible duplicate
2AC1205USD 9,870Acquirer service fee
2DE1031USD 6,215Digital enablement fee
Fee trend by billing event (USD K)
LenzOptima modules
Every basis point, recovered.
Cut scheme and interchange cost, model pricing and automate quarterly scheme reporting.
One platform
LenzOptima sits on the same data as LenzCore.
No exports between systems. Every layer reads the same merchants, transactions, fees and settlement.
LenzOptimaLayer 3 · Optimisation & Compliance
Scheme Fee OptimizerInterchange OptimizerPricing SimulatorQMR & QOC Automation
LenzViewLayer 2 · MIS & Intelligence
MIS DashboardsAcquiring ProfitabilityIssuing Profitability
LenzCoreLayer 1 · Acquiring Management System
Merchant ManagementTransaction AnalyticsSettlement & ReconciliationSwitch IntegrationPricing & MSFMerchant Portal & Statements
One Lenzcard data layer underneath: switch, scheme and bank files
See every basis point.
A 30-minute walkthrough on your own fee structure. No slides.