Find the interchange and scheme fee leaks before the month closes.
Bicycle watches effective interchange rate, scheme fees, chargeback ratio, cross-border authorization, card-type mix, and dispute win rate across the card network and issuer dimensions that matter. When a number moves, it explains the likely cause and recommends the next action to the team that can fix it.
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- 1Level 2 data missing on 31% of commercial Visa MCC 5411 transactions since processor updatehigh
- 2Corporate Visa mix shift +7pp on MCC 5411contributing
- 3Seasonal volume within normal rangecontributing
A settlement report shows higher fees. Bicycle names the interchange code, the qualification gap, and the fix.
Start with a single revenue KPI critical to your business.
Bicycle comes with card network industry intelligence already inside. Pick one Bicycle-recommended KPI and watch it run: the KPI it watches, the causes it checks, the action it recommends to the owner, and what it keeps.
A card network problem not listed here? Book a demo and we will map it.
A dashboard shows the drop. It never finishes the investigation.
Scheme fees land in the statement. The investigation starts after the fact.
The monthly statement shows higher fees. The team checks interchange codes, qualification data, scheme fee schedules, and card-type mix across three tools and two billing cycles while the cost compounds.
- Finance reviews settlement statement totals
- Payments team checks interchange code log
- Analytics pulls card-type mix cuts
- Ops checks scheme fee schedule changes
- Three teams argue over what caused the cost
Bicycle finds the interchange leak before the settlement cycle closes.
Bicycle detects the interchange rate move as settlement lands, isolates the qualification gap or card-type driver, tests scheme fee and mix hypotheses in parallel, and routes the fix to the owner before the next billing cycle.
- Detect interchange move, ranked by cost impact
- Test qualification, mix, and scheme fee hypotheses together
- Attach the evidence, rule out the rest
- Route the safe fix to the payments owner
- Learn the accepted cause for next time
Trained on the KPIs, patterns, and root causes of payments.
Six capabilities, set up once and run continuously. Business teams move faster, analysts keep governance, everyone trusts the number. Pick one to go deeper.
Multi-factor cause analysis
"What caused this?" turns into a three-day Slack thread across data, product, ops, and engineering, and the answer still arrives without evidence.
What Bicycle does
Open the cause summary. Ranked business and technical causes. The likely driver is named, with confidence and impact.
See the evidence. Logs, deploys, pricing changes, supplier behavior, and search relevance, with the data attached.
Know what was ruled out. The negative findings close the debate before it starts.
What it looks like for your team
When a rate spikes, the team sees the specific qualification gap, AVS failure, missing tax amount, or wrong hierarchy level, not just the aggregate move.
Capabilities work together in one continuous loop. Detect → Explain → Act → Learn.
Business teams need answers fast. Analysts ensure conclusions are trustworthy.
Same governed intelligence underneath. The payments agent for the teams who own the number, the controls for the team who owns the data.
See what changed, why, and what is safe to do.
The move finds you, ranked by revenue impact, with the cause and the next step attached. No dashboard hunt, no three-day ticket.
Govern the definitions, evidence, and safe actions.
Analysts review first-pass causes instead of rebuilding them. Leaders give the business self-service inside one governed boundary.
The agentic analytics layer on top of your stack.
Your stack stays the system of record. Bicycle turns payments signals into alerts, triage, stories, dashboards, chat, and governed actions on top of it. No rip-and-replace.
Frames the question, orchestrates the investigation, writes the story, recommends the next step. It reasons.
Detects movement, ranks drivers, computes confidence, forecasts. The numbers are calculated, not generated.
And the rest of what you run: settlement data · processor feeds · auth results · fraud signals · observability · Slack
Bicycle runs on top of your existing systems. The card networks pack supplies the starting KPIs, causes, stories, and action paths.
Start with one interchange KPI in your card network stack.
Bring one revenue-critical card network KPI, connect a trusted source, and watch Bicycle turn a prompt plus your data into a card network analytics agent. Zero to a working agent in about 15 minutes.
Grow into the full product when your team is ready.
Test ride Bicycle on a card network KPI.
Bring one interchange or scheme fee metric that matters. We will show how Bicycle detects the move, explains the cause, and recommends the next step on top of the stack you already run.
No credit card required