Scheme fee solutions for card issuers, BIN sponsors and fintechs
We review your Visa and Mastercard invoices line by line and show which fees to remove, and how.
Each billing line on your invoice, in plain language.
Charges that are wrong, unused or avoidable, with their yearly cost.
One scheme or both in one review, over the period you choose.
If you opt in, our fee portal keeps your fees and findings in one place.
Every line on the invoice gets the same two questions. Is this fee right? Do you need it?
Scheme fees keep rising. The UK payments regulator found that Mastercard and Visa raised their core scheme and processing fees to acquirers by at least 25% since 2017 (PSR, 2025).
Schemes bill for reports, tools and subscriptions that someone once ordered. Some keep being billed long after anyone needs them.
A common case: a report subscription that is paid for every month and no longer read.
Ranges that carry no traffic can still carry fees. We list them with what each one costs you a year.
We compare each billed rate with the scheme's guide for that month and with the terms you negotiated.
Some fees punish how transactions are sent. We show the cause and the change that stops the charge.
A fee that doubles from one month to the next, or shows up twice, gets explained or disputed.
Issuer Fraud Insights, Premium
ExampleA written report. Each finding in it carries five things.
Findings are ranked by saving, so your team starts with the ones worth the most. We go through the report with you on a call.
We agree the scope, fee and report date with you.
You send the invoices for the scheme and period we agreed.
We read every billing line, check it against the scheme's guide, and prepare the report.
You get the report and a call to walk you through it. Your team makes the changes, and we answer questions as they come up.
Why Amendorg
We earn nothing from Visa, Mastercard or any processor. Our findings serve one side: yours.
We check each billing line against the scheme's guide for that month, not a sample.
A review fits a fintech with a few BINs as well as a bank with many. The fee follows the size of your invoices.
No. We work from the invoices and billing files you send us, which carry no card numbers.
It depends on the size of your invoices. We agree the fee with you before any work starts.
We agree a date for the report before work starts. It depends on how many invoices, BINs and ICAs are in scope.
Your team makes the changes with the scheme, and we stay available to explain any finding. If you opt in, you keep access to our fee portal to follow your fees over time.
More than 10 years in payments.
Our experts in payments and scheme fees know card programs from the inside: the scheme rules, the monthly invoices and the daily operations. They read your invoices themselves, and you talk to them directly.
Tell us which scheme you want reviewed. We reply by email with the next steps and an NDA.
Or email contact@amendorg.com
