Card-scheme economics control
The transaction matched. The cash settled. But was the amount correct?
How much did your bank write off last year as unexplained settlement and scheme-fee differences? If the answer is unknown, there is something worth measuring.
Positioning
We are not asking you to replace anything.
- An ERP
- A core-banking replacement
- A replacement for SmartStream or your reconciliation stack
- Another BI dashboard
A transaction-level control layer for card-scheme economics.
Expected vs actual economics
No migration. No new payment rails.Start with one closed period and the data you already have.
The gap
The transaction settled. But was it settled correctly?
- Authorisation log
- Scheme clearing
- Settlement advice
- Nostro cash
- GL
“Did the records match?”
“Did the economics match?”
Control model
Three levels of card-scheme control.
Completeness & timing
Did every transaction arrive — and on time?
Core / processing log ↔ scheme clearing files
Control the transaction population.
Settlement cash
Did the money arrive exactly as promised?
Settlement advice ↔ nostro account — by date, currency, scheme and batch
Control the cash.
Scheme-fee assurance
Were the deductions calculated correctly?
Gross − interchange − scheme / processing fees − adjustments = expected net ↔ actual
Turn the difference into an investigation — not a write-off.
Beyond the fee
Knowing the fee is only the beginning.
Reconstructed transaction economics become a profitability engine.
- Portfolio · Merchant
- Terminal · BIN
- MCC · Segment
- Actual transaction cost
- Actual merchant margin
- Loss-making merchants
- Re-pricing candidates
“How much volume did this merchant generate?”
To“How much profit did this merchant actually generate?”
Scheme fee & settlement diagnostic
Give us one closed period.
No migration. No core replacement. No transformation project. One period. Your data. Measurable evidence.
- One closed period
- Transaction log
- Scheme clearing files
- Settlement advice
- Nostro statement
- Fee schedules
- Completeness & timing
- Settlement cash
- Fee assurance
- Quantified variance
- Transaction-level evidence
- Root cause
- Recovery / re-pricing opportunity
Let’s find out whether every dirham was settled and charged correctly.
Architecture
Works above your existing stack.
Lumeo complements the current architecture. No rip-and-replace.
Control layer
Enterprise deployment & data control
The customer controls the data. Lumeo provides the control layer.
Customer-controlled environment
Run Lumeo inside an environment your team controls.
Private cloud
Dedicated deployment for your organisation.
Role-based access
Access scoped by role, entity and function.
Audit trail
Every rule, match, override and approval is recorded.
Tenant isolation
Your data is logically separated from any other customer.
Data-location controls
Choose where financial data is stored and processed.
Availability of each option is confirmed per deployment. No certifications are claimed here.
Team
Built by a team that has done this before.
- 2012
- Banking
- Payments
- Processing
- Lumeo
transactions per day processed by systems the team has built and run before Lumeo.
One period. Your data.
Was every transaction settled and charged correctly?
Share one closed period. We return quantified variance, transaction-level evidence and the root cause behind it.
or write to founders@lumeofin.com