Lenzcard
QMR & QOC Automation

Scheme reporting, already done.

Build Mastercard Quarterly Mastercard Reports and Visa Quarterly Operating Certificates from your transaction data, with validation and a full audit trail.

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app.lenzcard.com / reporting / q3-2026Sample data

Reporting calendar

Mastercard QMR · Q3 2026Ready
Visa QOC · Q3 2026Validating
Mastercard QMR · Entity BReady
Visa QOC · Entity BDraft

Validation checklist

Volume ties to clearing totals
All active BINs present
Cross-border split within tolerance
Prior-quarter variance explained
Maker-checker approval
QMR Q3 2026 · 412 fields populatedSubmission-ready

01

On time

Calendar-driven, never a last-minute scramble.

02

Validated

Cross-checks before anything is submitted.

03

Defensible

Every figure traceable to source data.

Features

What's inside.

Auto-population

Report fields built from transaction data.

Validation checks

Variance, completeness and consistency rules.

Reporting calendar

Deadlines across schemes and entities.

Maker-checker

Review and approval before submission.

Prior-period compare

Explain quarter-on-quarter movements.

Audit trail

Who changed what, and when.

How it works

Four steps to value.

  1. 1Map data to report fields
  2. 2Run validations
  3. 3Review and approve
  4. 4Export submission-ready files

Example insight

Variance check caught a missing BIN

A newly launched BIN range was absent from the issuing section. Flagged before submission.

1 restatement avoided

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

Merchant Acquiring Profitability

True P&L per merchant, MCC, channel and portfolio.

Explore

See every basis point.

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

Book a demo Explore the platform