Payments intelligence for MEA

See every basis point.

Scheme fee, interchange and profitability intelligence for acquirers and issuers. Built by payments operators, for payments operators.

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MerchantAmountInterchangeSchemeAssess.X-borderMargin

Al Noor ElectronicsAED 4,210.001.42%0.11%0.03%0.40%+0.29%

Gulf Fresh MarketsBHD 86.400.38%0.09%0.02%—+0.71%

Desert Rose HotelsUSD 1,180.001.95%0.14%0.04%1.00%-0.38%

Marina FashionAED 612.501.10%0.10%0.03%—+0.42%

Pearl Fuel Co.SAR 220.000.80%0.08%0.02%—-0.05%

Oasis PharmacyOMR 14.200.92%0.09%0.02%—+0.33%

Nile Home StoreEGP 3,900.001.20%0.12%0.03%0.40%+0.18%

Skyline TravelUSD 2,640.002.05%0.15%0.04%1.00%-0.61%

Al Noor ElectronicsAED 4,210.001.42%0.11%0.03%0.40%+0.29%

Gulf Fresh MarketsBHD 86.400.38%0.09%0.02%—+0.71%

Desert Rose HotelsUSD 1,180.001.95%0.14%0.04%1.00%-0.38%

Marina FashionAED 612.501.10%0.10%0.03%—+0.42%

Pearl Fuel Co.SAR 220.000.80%0.08%0.02%—-0.05%

Oasis PharmacyOMR 14.200.92%0.09%0.02%—+0.33%

Nile Home StoreEGP 3,900.001.20%0.12%0.03%0.40%+0.18%

Skyline TravelUSD 2,640.002.05%0.15%0.04%1.00%-0.61%

MerchantAmountInterchangeSchemeAssess.X-borderMargin

Al Noor ElectronicsAED 4,210.001.42%0.11%0.03%0.40%+0.29%

Gulf Fresh MarketsBHD 86.400.38%0.09%0.02%—+0.71%

Desert Rose HotelsUSD 1,180.001.95%0.14%0.04%1.00%-0.38%

Marina FashionAED 612.501.10%0.10%0.03%—+0.42%

Pearl Fuel Co.SAR 220.000.80%0.08%0.02%—-0.05%

Oasis PharmacyOMR 14.200.92%0.09%0.02%—+0.33%

Nile Home StoreEGP 3,900.001.20%0.12%0.03%0.40%+0.18%

Skyline TravelUSD 2,640.002.05%0.15%0.04%1.00%-0.61%

Al Noor ElectronicsAED 4,210.001.42%0.11%0.03%0.40%+0.29%

Gulf Fresh MarketsBHD 86.400.38%0.09%0.02%—+0.71%

Desert Rose HotelsUSD 1,180.001.95%0.14%0.04%1.00%-0.38%

Marina FashionAED 612.501.10%0.10%0.03%—+0.42%

Pearl Fuel Co.SAR 220.000.80%0.08%0.02%—-0.05%

Oasis PharmacyOMR 14.200.92%0.09%0.02%—+0.33%

Nile Home StoreEGP 3,900.001.20%0.12%0.03%0.40%+0.18%

Skyline TravelUSD 2,640.002.05%0.15%0.04%1.00%-0.61%

app.lenzcard.com / mis / executiveSample data

Volume

USD 2.8B

+12.4% YoY

Avg ticket

USD 46.10

-1.2%

Approval rate

94.7%

+0.6 pts

MDR yield

1.38%

+3 bps

Volume by channel (USD M)

The problem

The cost of payments hides in the detail.

Illustrative examples of where margin goes unseen in a typical card portfolio.

Scheme fee leakage

of billing event lines per invoice

Each line is a rate, a volume and a rule. Few teams check them all every month.

Interchange downgrades

0 in 5

transactions can miss best rate in a typical book

Missing 3DS data, late presentment or a wrong MCC quietly shifts cost onto you.

Manual scheme reporting

0×

a year: QMR and QOC rebuilt by hand

Spreadsheets, copy-paste and last-minute checks, every quarter.

The platform

Eight modules. One lens on your economics.

Start with one. Connect them as you grow.

Scheme Fee Optimizer

Parse scheme invoices line by line. Flag overcharges. Track recoveries.

Learn more

app.lenzcard.com / scheme-fees / sep-2026Sample data

Invoice total

USD 1.24M

+4.1% MoM

Flagged lines

USD 61.8K

Recovered YTD

USD 412K

+USD 38K

Invoice lines

MC-0312Cross-border assessmentUSD 42,118

VI-1140Base II clearing feeUSD 18,904

MC-0312Cross-border assessmentUSD 18,420

VI-2205Acquirer service feeUSD 9,870

MC-1031Digital enablement feeUSD 6,215

Fee trend by billing event (USD K)

Interchange Optimizer

Find downgrades and qualification gaps before they cost you.

Learn more

app.lenzcard.com / interchange / downgradesSample data

Qualification rate

78.2%

-1.4 pts

Downgraded txns

184,320

21.8%

Opportunity

AED 312K

per quarter

Downgrade waterfall (index)

Opportunity by merchant (AED K)

Gulf Fresh Markets41.2

Al Noor Electronics28.7

Desert Rose Hotels19.4

Marina Fashion12.1

Merchant Acquiring Profitability

True P&L per merchant, MCC, channel and portfolio.

Learn more

app.lenzcard.com / acquiring / merchant-pnlSample data

Net margin % by MCC × channel

POSE-comMOTOTap

Grocery+0.4+0.2-0.1+0.5

Electronics+0.1-0.3-0.4+0.2

Hotels+0.6+0.5+0.3+0.4

Fuel-0.2+0.10.0+0.1

Fashion+0.5+0.3-0.1+0.6

Loss-making merchants

Al Noor Electronics-BHD 3,140

Skyline Travel-BHD 1,920

Pearl Fuel Co.-BHD 860

Oasis Pharmacy-BHD 410

Margin bridge (BHD K)

Card Issuing Profitability

P&L by BIN, product and segment.

Learn more

app.lenzcard.com / issuing / portfolioSample data

Income vs cost by product (USD K / month)

BIN-level P&L

BINProductIncomeMargin

4xxxxx-08Classic31.2K+33%

5xxxxx-21Platinum54.8K+9%

4xxxxx-12Travel48.1K-22%

5xxxxx-40Commercial71.6K+41%

MIS Platform

Executive and merchant analytics with drill-downs.

Learn more

app.lenzcard.com / mis / executiveSample data

Volume

USD 2.8B

+12.4% YoY

Avg ticket

USD 46.10

-1.2%

Approval rate

94.7%

+0.6 pts

MDR yield

1.38%

+3 bps

Volume by channel (USD M)

Acquiring Reconciliation

Automated matching across switch, scheme and bank.

Learn more

app.lenzcard.com / reconciliation / todaySample data

Match rate

98.6%

Exceptions queue

Amount mismatchAED 1,204.50Ops-2

Missing in bankBHD 860.00Ops-1

Duplicate settlementSAR 3,410.00Unassigned

FX varianceUSD 92.18Auto-rule

Ageing buckets (count)

QMR & QOC Automation

Auto-build Mastercard QMR and Visa QOC submissions.

Learn more

app.lenzcard.com / reporting / q3-2026Sample data

Reporting calendar

Mastercard QMR · Q3 2026Ready

Visa QOC · Q3 2026Validating

Mastercard QMR · Entity BReady

Visa QOC · Entity BDraft

Validation checklist

Volume ties to clearing totals

All active BINs present

Cross-border split within tolerance

Prior-quarter variance explained

Maker-checker approval

QMR Q3 2026 · 412 fields populatedSubmission-ready

Pricing Simulator

What-if pricing for acquiring and issuing.

Learn more

app.lenzcard.com / pricing / simulatorSample data

Blended pricing levers

MDR1.75%Monthly volumeAED 40MPremium card mix30%

Net yield

+0.58%

Monthly margin (AED K)

app.lenzcard.com / scheme-fees / sep-2026Sample data

Invoice total

USD 1.24M

+4.1% MoM

Flagged lines

USD 61.8K

Recovered YTD

USD 412K

+USD 38K

Invoice lines

MC-0312Cross-border assessmentUSD 42,118

VI-1140Base II clearing feeUSD 18,904

MC-0312Cross-border assessmentUSD 18,420

VI-2205Acquirer service feeUSD 9,870

MC-1031Digital enablement feeUSD 6,215

Fee trend by billing event (USD K)

How it works

From raw files to recovered margin.

Connect

Scheme invoices, clearing files, settlement reports

Analyse

Every fee mapped, repriced and attributed

Optimise

Ranked actions with value attached

Report

Dashboards, packs and scheme submissions

Who we serve

Built for every side of the card.

Acquirers

Merchant margin, scheme costs and settlement under control.

Issuers

Product profitability, interchange income and scheme reporting.

Processors

Analytics and reconciliation you can offer every client.

PayFacs & Fintechs

Unit economics and pricing that scale with you.

Design partners joining in 2026

Built for MEA and beyond

Local schemes. Local currencies. Local know-how.

Designed around GCC, Egypt and wider MEA card economics, with multi-currency at the core.

USDAEDBHDSAROMREGP

Security and data handling

Your data stays yours.

Card data is sensitive. We treat it that way, from architecture to access.

Encryption

Data encrypted in transit and at rest.

Role-based access

Granular permissions by team, entity and portfolio.

Audit trails

Every view, change and export recorded.

Data residency options

Deployment choices that respect local requirements.

See every basis point.

A 30-minute walkthrough on your own fee structure. No slides.

Book a demo Explore the platform