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PayIP

  • Optimise Card Network Billing and Interchange

    Trusted by Financial Institutions
    in 35+ Markets

    PayIP helps card issuers and acquirers uncover Card Network (Visa, Mastercard, etc.) billing and interchange opportunities, verify incentive payments, and continuously surface and optimise every individual billing line across issuing and acquiring globally.

    Book a Card Network Health Check and Platform Demo

    Book a health check
    Book a demo

Trusted by Banks and Fintechs Globally

Any Card Program. Any Bank. Anywhere in the World.

PayIP identifies revenue opportunities and cost optimisations for issuers and acquirers worldwide. With decades of card payments and data experience , we translate the most complex scheme billing into clear financial outcomes your teams can act on.

Leveraging our proprietary technology platform and global expert team, we simplify complex network billing (Visa, Mastercard, Amex, Diners, UnionPay, and more) and interchange so you unlock revenue and reduce costs across your entire card program.

Why Banks and Fintechs Choose PayIP

We Translate Complexity Into Value

Millions of data points. Thousands of fee codes. Endless rules, incentives, and conditional pricing.
PayIP simplifies it all into clear opportunities for your finance, product, and payments teams.

Billing
discrepancies

Calculator for merchant and card unit profitability

Cost optimization savings

Incentive
underpayments

Contract
misalignment

Peer
Benchmarking

Combined with the sharpest data and payments experts globally, PayIP ensures your issuing and acquiring programs are always running at maximum efficiency.

What we do

Deep Payments Expertise + Proprietary SaaS Technology

PayIP brings together global payments experts and intelligent technology to turn your processing and billing data into actionable value. Everything we do is designed to maximise revenue and reduce costs across every dimension of card network billing and interchange.

Our Core Services

Optimize & Benchmark
Scheme Fees

We evaluate every fee paid to Visa, Mastercard, Diners and Amex, benchmark rates, and highlight opportunities to reduce costs and strengthen commercial value.

Interchange
Optimization Review

A full assessment of earned and paid interchange to ensure correct classification, eliminate leakage, and maximise scheme-compliant optimisation.

Card Network
Incentive Verification

We verify incentive calculations, performance thresholds, and contract adherence to ensure you receive the full value owed from card networks.

Quarterly Scheme
Reporting Support

We prepare, validate, and reconcile all quarterly submissions to Visa, Mastercard and other networks to reduce administrative workload and improve accuracy.

Local Scheme &
Switch Analysis

A comprehensive review of Bankserv, UnionPay and other domestic networks to uncover inefficiencies, validate billing accuracy, and optimise local routing.

Revenue & Cost
Pass-Through Review

We analyse how fees and incentives flow through co-brands, fintech partners, processors, and third-party providers to ensure transparent and accurate allocation.

Growth & Incentive
Agreement Negotiation

We review current agreements and support negotiations to secure stronger long-term commercial terms with the card networks.

Merchant Profitability
Optimization

A detailed profitability review by merchant, sector and channel to uncover margin uplift opportunities and refine your acceptance cost strategy.

MIS & Transaction
Data Insights

We extract meaningful insights from your transaction data, identifying patterns, inefficiencies and opportunities through advanced MIS analysis.

Issuing & Acquiring
Advisory

End-to-end advisory for issuers and acquirers - optimising portfolio performance, commercial structures, operations and scheme engagement.

Our SaaS Platform

PayIP’s cloud-based Scheme Fee Management Platform aggregates all card-related data in one place, enabling continuous monitoring of Visa and Mastercard billing, key statistics, and timely alerts on new fees, penalties, bulletins, peer benchmarking, opt-out services, and rate changes.

Our SaaS platform analyzes every billing event in detail, delivering insights to detect trends, discrepancies, errors, and optimization opportunities at a granular level.

Global Coverage. Local Nuance.

With valued clients in over 35 markets from the US to Europe to the Middle East and Africa to APAC, our teams understand the exact billing rules, interchange structures, incentive programs, and local considerations unique to each region.


This is why banks and fintech providers trust us to guide them through every layer of the networks’ ecosystem - no matter the market.

What Our Clients Say

As one of the leading enablers of digital commerce in the Middle East and Africa, serving over 250 banks and financial institutions, we have recognized the value PayIP brings to our ecosystem. PayIP's deep expertise in payment network economics and optimization has proven beneficial, and their proprietary billing platform has uncovered opportunities that may have been missed using more conventional methods.

Group Head of VAS of a regional leader in issuer and acquirer processing services

PayIP's professionalism and expertise in Visa and MasterCard billing were evident throughout the engagement. Their communication was consistent and timely, making them a pleasure to work with.

Notwithstanding our bank's size and complexity, data sharing was seamless and PayIP's low-touch technology-based approach allowed our resources to continue their daily work without disruption. Simultaneously, our staff benefited immensely from the insights and interactions, growing their knowledge and skills.

CFO of a leading African bank issuer and acquirer

Our invoices were complex as we had migrated a card portfolio from another regional bank. Special care therefore also needed to be taken of the timing of what Visa charges were for our account and what charges for the other bank’s account.

This challenge did not hamper PayIP, and they not only successfully navigated this complexity but were also able, in the overall exercise, to recoup significant money for us due to certain errors and incorrect charges being levied on the bank during the period under review.

Senior Card and Payment Product Specialist of a leading digital neobank

PayIP have played a pivotal role in recovering money from the payment networks that had been previously billed to our bank in error. PayIP’s platform analysis of our payment network’s bills was a catalyst for optimizing the services our bank receives from the payment networks. This resulted in streamlined and cost-efficient billing moving forward. PayIP's data-driven approach and billing accuracy have ensured that the billing between our bank and its fintech partners is complete and accurate.

CTO of a leading South African digital bank

Unlock Hidden Value In Your Scheme Billing and Interchange

Decades of payments and data expertise.
Proprietary technology.
A global track record of impact. 

PayIP helps you simplify and benchmark your card network billing, surface revenue opportunities, identify cost optimisations, and drive measurable financial outcomes across issuing and acquiring.

Ready to See How Much You Can Save?

Book a Card Network Health Check and Platform Demo
Book a health check
Book a demo