Agentic analytics · for scheme & interchange owners

Stop the downgrade before settlement closes. Card mix, or a routing rule?

When interchange downgrades spike, Bicycle ranks whether it's card-type mix or a routing-rule drift, on the affected merchant and category, so you act before settlement closes.

A dashboard shows the downgrade rate climbed. A chatbot answers what you type. Bicycle has the cause and the fix before settlement closes.

Start for free Explore your playbook

No credit card required

app.bicycle.ai interchange · morning briefYour KPIs
Morning brief · what changed
Downgrade rate · Travel merchants · commercial cards+3.4pp

Ranked #1 by impact. Est. exposure $42k. It found you, before you opened a dashboard.

Rank#1 · by revenue exposure
Also movingSettlement success · gateway -1.6pp
Surfaced8:02am · ranked for you
Know Understand Act
You own the downgrade rate, not the answer

You own the downgrade rate, yet the "why did it spike?" answer waits in someone else's queue.

Same number, two operating models. One sends you to a ticket and a dashboard. The other brings the answer, the why, and the next step to you.

Without Bicycle With Bicycle
too late
You find the downgrade spike late, on a dashboard
By the time the spike stands out, settlement is half closed and the interchange cost is locked in.
real time
Downgrade spikes reach you ranked by interchange impact
You see the segment that moved the moment it moves, not when you open the dashboard.
ticket
"Why did the downgrade spike?" means filing a ticket and waiting
Three days later you get a chart back, not a decision settlement can use.
with the alert
The ranked cause, card mix or routing drift, arrives with the alert
Cause, evidence, and ruled-out drivers on a governed downgrade-rate definition. No ticket, no waiting.
still slow
Knowing isn't fixing, and the interchange keeps leaking
Even with the answer, lining up the routing fix is a separate scramble.
act fast
The fix routed to payment ops comes with it, so you act before settlement closes
A scoped recommendation to correct the routing rule, not just a chart to interpret.
The capabilities

One governed system, six capabilities behind every answer.

Six capabilities, set up once and run continuously. Business teams move faster, the data team keeps governance, everyone trusts the number. Pick one to go deeper.

Rapid activation on your stack

You wait for the analytics project to finish. You want a working operating view tied to the KPIs you own, not a blank dashboard canvas.

What Bicycle does

1

Skip the blank canvas. Relevant KPIs, starter alerts, and prompts are populated for your role.

2

Speak your language. The system arrives configured for your business, not the database schema.

3

Use it from day one. The starter agent is reviewable and live in days, not a six-month rollout.

In practice

Open your interchange home on day one. Downgrade rate, interchange rate, settlement success, and decline rate are already monitored, ranked by impact.

Capabilities work together in one continuous loop. Detect → Explain → Act → Learn.

The playbookKnow · Understand · Act

Your part of the loop is three moves: know what changed, understand why, act on it.

Knowwhat changed
→
Understandwhy it moved
→
Acton it, inside guardrails
Pillar 01Know

Know what changed before the review, down to where it moved.

Bicycle watches the KPIs you own, downgrade rate, interchange rate, settlement success, across merchant category, card brand, and gateway, and flags the move first, exactly where it happens, before settlement closes.
How Bicycle watches Every KPI you own, watched across segments; the move that matters surfaces ranked by impact.01 / 03
WATCHING EVERY KPI × SEGMENT · CAUGHT AT THE SEGMENT BEFORE THE AVERAGE MOVESBlended average −0.3% · within range · hides the segmentAcquirerWebIssuerEUAPACTravelDowngrade rateInterchange rateSettlement successDecline rate+3.4ppsurfacedranked by impact#1Downgrade rate · Travel merchants+3.4pp$42k at riskranked first#2Settlement success · gateway-1.6pp · watching$12k#3Decline rate · issuer+0.4pp · in range$6kYou see the move ranked by impact, on your segments, before the average reflects it.
The alert inbox, ranked by impact
Dashboards on every KPI you own
Pillar 02Understand

Understand why the downgrade rate moved before you ask.

The first-pass cause arrives ranked, with the evidence behind it: a card-type mix shift, a routing-rule drift, a scheme update, so you see why the downgrade rate moved without filing a ticket and waiting.
How Bicycle finds the cause It narrows to the affected segment, tests the drivers, and ranks the cause with the evidence behind it.01 / 03
ONE MOVE → MANY DRIVERS TESTED → ONE RANKED CAUSEDowngrade rate+3.4ppTravel · commercialdetected 09:58 · 24h windowCard-type mix · commercial76%Routing-rule drift24%Scheme updateruled outSeasonal volumeruled outSettlement timingruled outIssuer mixruled outPRIMARY CAUSE · 76% CONFIDENCECard-type mix shiftCommercial cards · TravelRoutingScheme feesCard mix4 drivers ruled outRecommended next step: correct the routing ruleThe first-pass cause arrives ranked, with the evidence behind it and the wrong drivers ruled out.
The ranked cause with evidence
One shared data story for the review
Pillar 03Act

Act on it, scoped and routed to the team that owns the fix.

Take the scoped next step, correct the routing rule or recommend it to the team that owns the fix, previewed and approved. Everyone can ask; the data team controls what gets trusted, and every action stays bounded, reversible, and logged.
How Bicycle acts on it It recommends the next step scoped to the cause, previews it, and runs it inside your guardrails.01 / 03
FROM CAUSE TO THE NEXT STEP · THROUGH THE GUARDRAIL · LOGGEDCause: card-type mix shiftRECOMMENDED ACTIONCorrect routing rulescoped to Travel merchantsTHE GUARDRAILPreview what it will doScope: Travel merchantsOwner: Payment opsRollback readyevery attempt loggedSlack alertAUTOJira ticketAUTOPause routing changeAPPROVALAdjust scheme configAPPROVALRun what you are cleared to; the rest carries approval, rollback, and a full audit trail · previewed · bounded · reversible · logged.
The recommended next step, scoped
Preview the action before it runs
Explore your playbook
A day in the lifeFirst pass by Bicycle · the call is yours
Your morning brief

Your morning brief starts with the first pass done.

The downgrade rate spiked on Travel merchants overnight. Bicycle has already checked where it moved, ranked the likely causes, attached the evidence, and kept the definition governed. You review the move, check the evidence, recommend the fix to payment ops, and reuse it on the next spike.

Downgrade rate · Travel merchants · commercial cardsDowngrade rate above baseline on Travel merchants, with the evidence already assembled for your review.
8:02 AM+3.4ppmorning brief
Your morning brief8:02 AM↓ +3.4ppbrief ready
Today · what moved on your KPIs
HighDowngrade rate spikedTravel merchants · commercial cards+3.4ppvs baselineTop segmentTravel merchants · commercial cards$58Kat riskYour KPIdowngrade rate8:02 AM
MedRefund rate upApparel · returns+1.8ppvs baselineTop segmentApparel · US$24Kat riskOpsowning team7:40 AM
MedAverage order value downWest region-0.9%vs baselineTop segmentWest · all devices$17Kat riskMerchandisingowning team7:12 AM
LowAdd to cart rate downPaid traffic-0.6ppvs baselineTop segmentPaid · US$9Kat riskGrowthowning team6:58 AM
+ 4 KPIs · 1 high · sorted by revenue at risk
SnoozeOpen the move
Downgrade rate · ranked causefirst pass by Bicycle↓ +3.4pp
Triaged to one segment · Travel merchants · commercial cards
+3.4pp downgrade rate
baseline 6.1% · commercial cards · high volume
1 of 6 segments affected · 5 within expected range
Likely driversranked · confidence
Card-type mix shift → commercial cardsprimary76%
Routing-rule drift on this gatewaysecondary24%
Pricing & discount changesruled out
Recommended actionsscoped
Recommend fix to payment ops · schemescoped
Alert #interchange-ops on Slackscoped
Correct the routing rulepreview
scoped · previewed · reversible · logged
+ Detected 8:02 · first pass 8:03 · top segment Travel merchants · commercial
Adjust modelSee the evidence
Check the evidence · Travel merchants · commercial cards8:02 AM↓ +3.4ppreview
Impact overview
+3.4pp
downgrade rate · vs baseline 6.1%
$1.8Minterchange at risk
2,140downgraded txns
Top affected segments
1
Travel merchants · commercial cards
+3.4pp
2
Travel merchants · corporate cards
+2.1pp
3
Travel merchants · purchasing cards
+1.4pp
Evidence attached
Downgrade trendqualified to downgraded
Card-type mixcommercial share
Routing healthgateway rules
Routing activityrule changes
Ruled out · not drivers
Scheme updateno overlap with window
Seasonal volumewithin range
Settlement timingon schedule
New vs returningboth affected
Definition governed · Source read-only · sources fresh
+ Reviewed by you · 8:11 AM
Send backTake the action
Act on it · downgrade rate8:02 AM↓ +3.4ppact
Recommended actionscoped
Correct the routing rule on this gateway for Travel merchants, the drift that pushed commercial cards to downgrade.
Travel merchants · commercial cards
The guardrailbefore anything runs
Preview the change firstrequired
Scope to the affected segmentTravel only
Owner approves the changePayment ops
Rollback stays one click awayreversible
Where it goesrecommended
Alert #interchange-opsauto
Recommend to payment ops · schemeapproval
Pause the gateway routing changeapproval
scoped · previewed · reversible · logged
+ Scoped to Travel merchants · reversible · logged
Adjust scopeRecommend & assign
Reused next drop · operating memoryToday 6:54 AM↓ -2.7ppauto-applied
Similar situation detected: Downgrade rate spiked · Travel merchants · commercial cards
Bicycle applied your accepted cause path.
Detected pattern
Card-mix shift
→
Applied path
Travel merchants
→
Likely driver
Commercial card mix
→
Recommended action
Correct routing rule
Caught 68 min earlier · 6:54 AM vs 8:02 AM on the first run
No re-investigation · path auto-applied, your review optional
+ Memory: downgrade-rate spike · run 2
ReviewView saved path
What changes for you: less waiting on the analyst queue, more reviewing the first pass and acting on it.First pass by Bicycle · the call is yours
More roles on Bicycle · same loopYour team's KPI · your screens

Different teams own different metrics. Bicycle keeps the investigation governed.

You own the downgrade rate. Move to the payments teams around authorization rates, fraud and chargebacks, settlement reconciliation, and revenue performance, all on the same loop.

Payments
Payments AnalyticsApproval rate and routing by issuer and acquirer Payments Data EngineeringMetric and pipeline trust: freshness, model drift Payment OperationsPayment success and decline by PSP and method Merchant OperationsChargeback rate and merchant health by merchant
Scheme & Interchange OperationsDowngrade and interchange by card type · you are here
Risk & Approval OperationsApproval rate by cohort, model and segment
Explore
Retail Shopify Travel Payments
Vibe Analytics

See it on your numbers.

Start with one recurring metric you own: why the downgrade or interchange rate moved. Bicycle watches the governed KPI, ranks likely causes across card mix, routing, settlement, and scheme config, and hands you a reviewable first pass, before settlement closes.

What to bring
A recurring metric you own: downgrade rate, interchange rate, or settlement success.
An approved read-only path to the relevant sources: the warehouse, event streams, app & web, payments, or ad networks.
The metric definition, default dimensions, and the owner who approves the next step.
What we do
Configure the investigation path around your KPI, dimensions, and evidence rules.
Monitor device, OS, channel, region, and segment movement.
Prepare a first-pass cause analysis with evidence, ruled-out paths, and governed definitions.
Start for free Explore your playbook

No credit card required · analyst-reviewed · governed from day one