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Payment scheme fee services


Our extensive experience and understanding in the area of payment scheme fees, allows us to offer an independent, holistic review of issuer and acquirer fees paid to payment schemes and identify significant price advantages by scheme provider. Additionally, we have built proprietary models and forecasting tools to determine accurate costs and commercial pricing, as well as giving you the required assurance on billing. Optima are able to negotiate directly with schemes on your behalf to ensure maximum value is delivered on your contract.


Our primary service offerings in this area include:

Independent benchmark reports: Clients can expect to receive a summary core fee analysis based on actual portfolio mix and volumes, a like-for-like comparison identifying price advantages, the highlighting of any potential billing anomalies and other key external cost benchmarks.


Modelling and pricing support: ​In addition to retrospective analysis, we are also able to assist with cost allocation and forecasting.
We are able to support scenario modelling to aid strategic planning and scheme decisions as well as full management of any RFP process.


Invoice audit tracking: Optima will conduct a full audit and reconciliation of your scheme invoices. Through this analysis we provide clients with tiering validation, comprehensive key performance indicators and operational benchmarks, quantification of any billing inaccuracies, ongoing alarms and tracking, as well as case support and evidence for raising disputes with schemes.

Providing billing assurance through transparency and clarity...

For more information, download our brochure or get in touch info@optima-consultancy.com