Lenzcard
Scheme Fee Optimizer

Every scheme fee line, explained.

Lenzcard reads Visa and Mastercard billing invoices line by line, maps each billing event to the activity that caused it, and flags what should not be there.

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

MC-0312USD 42,118Cross-border assessment
VI-1140USD 18,904Base II clearing fee
MC-0312USD 18,420Cross-border assessment
VI-2205USD 9,870Acquirer service fee
MC-1031USD 6,215Digital enablement fee

Fee trend by billing event (USD K)

01

Fewer surprises

Know why each billing event moved before finance asks.

02

Recovered margin

Raise disputes with the evidence already attached.

03

Hours back

Replace monthly spreadsheet reconciliation of invoices.

Features

What's inside.

Invoice parsing

Structured extraction of every line, billing event code and unit rate.

Event mapping

Ties billing events to clearing volumes and service enrolments.

Anomaly detection

Flags rate changes, duplicate charges and unexpected events.

Savings tracker

Follows each finding from flag to dispute to credit note.

Fee trends

Month-over-month view by event, region and product.

Audit-ready exports

Evidence packs formatted for scheme and internal review.

How it works

Four steps to value.

  1. 1Upload or connect scheme invoices
  2. 2Map events to your volumes
  3. 3Review flagged lines
  4. 4Track savings to credit note

Example insight

Duplicate cross-border assessment detected

Billing event charged twice for the same settlement window across two ICAs.

USD 18,420 / month

Illustrative sample finding

FAQ

Questions, answered.

See every basis point.

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