Scheme fee solutions for card issuers, BIN sponsors and fintechs

We find the scheme fees you can stop paying.

We review your Visa and Mastercard invoices line by line and show which fees to remove, and how.

Fig. 1 ยท Invoice review

What we check

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).

Optional services nobody uses

Schemes bill for reports, tools and subscriptions that someone once ordered. Some keep being billed long after anyone needs them.

  1. We list every optional service on your invoices.
  2. We show what each one costs you a year.
  3. Your team confirms which ones it still needs, and we tell you how to stop the rest.

A common case: a report subscription that is paid for every month and no longer read.

Dormant BINs and ICAs

Ranges that carry no traffic can still carry fees. We list them with what each one costs you a year.

Rates that do not match

We compare each billed rate with the scheme's guide for that month and with the terms you negotiated.

Penalties and behavior fees

Some fees punish how transactions are sent. We show the cause and the change that stops the charge.

Lines that jump or repeat

A fee that doubles from one month to the next, or shows up twice, gets explained or disputed.

A person at a desk checking figures on a tablet, with a calculator and printed charts beside them

Issuer Fraud Insights, Premium

Example
Billing event
2RP5061, monthly subscription fee
What we found
An optional report subscription, billed in every month of the year.
Action
Confirm the reports are still used. If not, cancel the subscription.
Cost per year
€7,200
Illustrative figures.

What you get

A written report. Each finding in it carries five things.

Type
Whether the fee is wrong, not needed or avoidable.
Cost
What the line costs you in a year.
Evidence
The invoice lines and guide entries behind the finding.
Action
What to cancel, change or dispute with the scheme.
Saving
What you can expect to save, or to get back as a refund.

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.

How a review runs

  1. Agree

    We agree the scope, fee and report date with you.

  2. Send

    You send the invoices for the scheme and period we agreed.

  3. Review

    We read every billing line, check it against the scheme's guide, and prepare the report.

  4. Act

    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

Independent, and specific about every fee

  1. Independent

    We earn nothing from Visa, Mastercard or any processor. Our findings serve one side: yours.

  2. Every line, read by people

    We check each billing line against the scheme's guide for that month, not a sample.

  3. Sized for your program

    A review fits a fintech with a few BINs as well as a bank with many. The fee follows the size of your invoices.

Questions we get

Do you need access to our systems?

No. We work from the invoices and billing files you send us, which carry no card numbers.

What does a review cost?

It depends on the size of your invoices. We agree the fee with you before any work starts.

How long does a review take?

We agree a date for the report before work starts. It depends on how many invoices, BINs and ICAs are in scope.

What happens after the report?

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.

Who does the work

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.

  • Your team does not have to explain the basics. We read billing events by their code and know what each one charges for.
  • We know which fees come from setup choices, like an optional service switched on at launch and never switched off.
  • We know how changes are made with Visa and Mastercard, so every finding comes with the step that removes the fee.

Start with a short message.

Tell us which scheme you want reviewed. We reply by email with the next steps and an NDA.