Lenzcard
Merchant Acquiring Profitability

Know which merchants make you money.

MDR minus interchange, scheme fees and processing cost, calculated for every merchant. See the portfolio as it really is.

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app.lenzcard.com / acquiring / merchant-pnlSample data

Net margin % by MCC × channel

POSE-comMOTOTap
Grocery+0.4+0.2-0.1+0.5
Electronics+0.1-0.3-0.4+0.2
Hotels+0.6+0.5+0.3+0.4
Fuel-0.2+0.10.0+0.1
Fashion+0.5+0.3-0.1+0.6

Loss-making merchants

Al Noor Electronics-BHD 3,140
Skyline Travel-BHD 1,920
Pearl Fuel Co.-BHD 860
Oasis Pharmacy-BHD 410

Margin bridge (BHD K)

01

Clear margin

Net revenue per merchant after every cost layer.

02

Loss visibility

Find loss-making merchants hidden in blended totals.

03

Better repricing

Evidence for every pricing conversation.

Features

What's inside.

Merchant P&L

Full cost stack per merchant, monthly and trailing 12 months.

MCC heatmap

Margin by MCC and channel at a glance.

Margin bridge

Explain period-on-period margin movement.

Cost allocation

Configurable processing and overhead allocation rules.

Loss alerts

Notifications when a merchant turns negative.

Portfolio slices

By sales channel, region, ISO or relationship manager.

How it works

Four steps to value.

  1. 1Load merchant pricing
  2. 2Attach costs per transaction
  3. 3Roll up P&L
  4. 4Act on outliers

Example insight

Premium card mix eroding margin

Al Noor Electronics on blended 1.6% MDR is negative on 38% of volume due to commercial cards.

-BHD 3,140 / month

Illustrative sample finding

FAQ

Questions, answered.

Works well with

Scheme Fee Optimizer

Parse scheme invoices line by line. Flag overcharges. Track recoveries.

Explore

Interchange Optimizer

Find downgrades and qualification gaps before they cost you.

Explore

Card Issuing Profitability

P&L by BIN, product and segment.

Explore

See every basis point.

A 30-minute walkthrough on your own fee structure. No slides.

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