Track and manage card network fees for smarter, more profitable decisions.
Trusted by 400+ industry leaders
The smartest way to optimize your card schemes and interchange economics.
Deep payments expertise, advanced technology — built to drive efficiency and profitability to your card business.
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From fees complexity to profitability, in one view.
incontrol helps issuers and acquirers track fees, uncover profitability opportunities, and act on interchange revenue and merchant performance — all in one place.
Purpose-built tools for complex fee structures
Powered by deep industry knowledge and AI-driven analytics, incontrol turns scheme and interchange fees data into measurable results.
Optimize interchange rates with full transaction-level visibility.
Solutions to maximize card and merchant
portfolios with data-driven strategies.
A complete toolkit for issuers and acquirers to analyze, negotiate, and
execute on every profitability opportunity.
Scheme Fees Analytics
Transforming card fees and invoices into insights that drive decisions.
Savings opportunities detected $900 K
Scheme Invoice
Invoice Total$30 MM
Operational Excellence
Hands-on execution of the highest-impact
profitability gains.
SCHEME 1Savings forecast
Optional service$340k
ATM fee – Citibank$18.00
Penalty fee 1Overcharge$890k
Monthly maint. fee$12.00
Penalty fee 2Processing$210k
Opt-out service$175k
Total savings$1.5 MM
Agreement Negotiation
Guiding issuers toward more cost-efficient portfolios.
$124 MM agreed incentives
Interchange Analytics
Analyzing interchange rates and allocating
costs at a transactional level.
Interchange
cost 3.4%
cost 3.4%
Merchant
net margin 9.4%
net margin 9.4%
Turning complex scheme economics into results.
We give you the intelligence to control costs, capture opportunities, and improve profitability.
400+ clients
relied on our expertise to protect and grow their margins.
130+ countries
served across five continents.
300M+ cards
monitored across issuer portfolios worldwide.
4M+ merchant
transactions
analyzed for cost efficiency.
Case studies
Identifying hidden savings in scheme fees to drive measurable impact.
A detailed analysis of annual Visa and Mastercard scheme fees revealed significant savings opportunities for this leading institution.
- $ 17.2M Annual Visa and Mastercard scheme fees analyzed.
- $ 1.1M Annual savings opportunity identified.
- 6% Of total scheme fee spend identified as potential savings.
Structuring scheme agreements for maximum profit.
Through our support and two rounds of agreement negotiations with leading payment schemes, we helped this issuer secure the optimal commercial structure for the next five years.
- € 124M In financial impact secured over the next 5 years.
- 101% Improved in net position, more than double where we started.
- 158% + In extra incentives unlocked in round two of negotiations.
Unlocking hidden interchange value for a leading European acquirer.
A transaction-level interchange analysis conducted for an acquirer with more than 3 million POS terminals uncovered savings opportunities across the portfolio and mapped a clear, prioritized path to capture them.
- € 6.5M Per year in addressable fees mapped by the three-month analysis.
- € 2.4M Annualized savings potential identified.
- € 685K Per year in short-term optimization opportunities.
“Top-quality service. We haven’t found Intelica’s level of expertise in any other provider. Every question gets a clear answer, however technical, and always faster than we expect. Even with a large client base, they always had the right people on it and came back with a solution right away.”
Stathis Stathopoulos · CFO at NBG Pay
Uncover hidden profit today.
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