US banks paid the Card Networks ≈$93B in fees last year.
On average banks are overpaying the Card Networks by 10%.
They have no sure-fire way to prove it, document it, report it, or negotiate a Refund!
UNTIL NOW.
WHO WE ARE | Experts in Card Brand Network fees.
Technology & Expertise
We use technology to dig deeper and resolve challenges that affect card issuing/acquiring banks dealing with VS, MC, & DS.
Actionable Insights
We excel in providing actionable insights that deliver real measurable results.
Strategic Scheme Fee Management
We empower banks to take control of their card scheme fee management, optimizing costs for significant profitability gains.
WHAT WE DO | Data Analytics to Uncover and Resolve over payments by banks, to the Card Brands
Current and Historical Analysis of Invoices
Detailed Invoice Review, Examination of current and past invoices from VS, MC, & DS, to detect any inaccuracies or overcharges.
Historical Data Analysis, delving into historical transaction data to uncover discrepancies over extended periods, going back several years.
Incentive Agreement Reviews
Examination of the terms and actual application of incentive agreements, ensuring that all incentives are correctly applied and accounted for.
Future Invoice Reconciliation Services
Ongoing Invoice Monitoring, Examination, of current invoices from VS, MC, & DS, to detect inaccuracies or overcharges.
Real-Time Reconciliation
Implementing systems for near real-time invoice reconciliation, enabling prompt detection, and resolution of discrepancies.
Detailed Analysis of Interchange Fees and Settlements
Identify and recover any erroneous charges.
Compliance and Fines Fee Analysis
Assistance w/ and validation of, penalties/fines levied by VS, MC, & DS.
Portfolio/Fee Optimization
Examination of historical invoice from VS, MC, DS to identify and facilitate the removal of any non-essential fees.
Periodic Invoice Analysis and Submission Support
Detailed Invoice Review, Comprehensive review of current and historical invoices from VS, MC, & DS to detect discrepancies.

Historical Data Analysis, delving into historical transaction data to uncover discrepancies over extended periods, often going back serveral years.
Periodic Submission Assistance and Preparation, Support in the preparation and submission of quarterly reports.
Additional Services
Compliance Support, Assistance w/ adherence to compliance procedures for clients subject to penalties from VS, MC, & DS. Payment Transaction Data Analysis and Management Information Systems (MIS): Application of advance data analytics to provide insights into payment transaction Interchange reimbursement fee tax reconciliations Scheme Comparative Analysis.
Limitations
The Inherent limitations of traditional transaction analysis impede banks’ effective management of VS, MC, & DS.
Volume
The immense volume of transactions significantly compounds the challenges banks face, including the detection of significant revenue leakage, the identification of unnecessary fees and the effective management of reconciliation processes and compliance requirements.
Complex Fee Structures
Complex factors impact fee structures, such as:
- Transaction types (card, online, offshore, etc.)
- Fee categories (e.g., Visa has 285)
- BIN programs
- Temporal fees (project, transaction, quarterly, annual)
- Volume/value-based custom incentive fees
- Distinct issuing/acquiring fees
- Differing cross-border/interchange rates
Omnichannel POS System
Sell in-store, online, or by mobile with unified reporting and synced inventory across all platforms.
Integrated Compliance Tools
Syncs directly with FastBound to manage FFL logs, traceability, and regulatory documentation.
Smart Inventory Management
Track serialized firearms, accessories, and ammo with real-time updates and multi-location controls.
eCommerce Management
Run a full online store with secure checkout, inventory sync, and support for gun feed integrations.
Staff & Customer Management
Manage cashiers, store managers, and customer profiles with customizable roles and access.
Sales & Payment Processing
Accept major payment types, manage promotions, run reports, and streamline end-of-day procedures.
Key Features Include:
FastBound Sync & Firearms Management
Inventory and Sales Reporting
Ecommerce & Inventory Management
Customer & Sales Management
Payment & Compliance Support
Full Support and Service From the PayCircus Team
Industry-Specific Platforms
We partner with reliable tools to help outdoor shops run more efficiently
POS hardware and software that’s easy to use and scalable to your store size.
Offers invoicing, text-to-pay, and remote payment features.
Business checking and funding options to support growth and inventory purchases.
