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Always know what you should be paying.

FeeVerify rebuilds your processing costs from your contracts and the scheme rules behind them, checks every transaction against them, and traces every discrepancy to its source. Every month, not once. Every number proven.

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  • Every transaction checked
  • Every number traced to its clause
  • Signed off by a named reviewer
  • Your data never trains a model

Illustrative field: synthetic transactions.

Animation: a lens scans a field of synthetic transactions and stops on four flagged lines. At each stop, specialist agents read the record, find the governing clause, compare billed with expected, grade the finding and hold it for a cards and payments specialist to sign off. The four findings are listed in full in the table below.

INV-0142 · Meridian Payments Needs review

Scheme fee pass-through Clause Sched. C §3.1

Billed
0.16%
Expected
0.00%
Delta
+0.04 pts
Confidence grade
High

Source clause"Schedule C §3.1: scheme fees are passed through at cost, with no markup."

The record under the lenstxn_id A1-882041 · scheme_fee=0.16% · cost=0.12%

Awaiting specialist sign-offA cards and payments specialist approves before this reaches you.

Illustrative screen: a fictional tenant and synthetic figures.

Every discrepancy, traced to the clause.

Each finding carries the clause it breaks, the transactions behind it, the amount and a confidence grade. A named reviewer signs it off before anyone acts on it.

INV-0142Meridian Payments4 findings
Needs review
Findings for investigation INV-0142, fictional tenant Meridian Payments
RuleClauseBilledExpectedDeltaGrade
Scheme fee pass-throughSched. C §3.10.16%0.12%+0.04 ptsHigh
Chargeback feeSched. C §7.1£25.00£15.00+£10.00High
Volume tier rateSched. A §2.31.80%1.55%+0.25 ptsMedium
Monthly MID feeAnnex 4£12,400 ×2£12,400+£12,400High
Clause evidence
Schedule C §3.1: scheme fees are passed through at cost, with no markup.
Sample transaction
txn_id A1-882041 · scheme_fee=0.16% · cost=0.12%
Sign-off
Cards and payments specialist, pending
Orchestrator Rulebook promoted Transaction Review live Reconciliation live Variance live Report shadow

Illustrative screen: a fictional tenant and synthetic figures.

Most payments teams pay what the processor tells them.

Checking a processing bill means reading every processing agreement, addendum and scheme notice, then recalculating millions of transactions against them. Few teams have the people to do that by hand, and the statements are too complex to check line by line, so the invoice gets paid. When someone does check, the check covers one month, and the month after goes unchecked.

  • Sched. C §3.1passed throughat cost
    Processing agreements
  • Addenda
  • Scheme rule notices
  • FX and tax mechanics
  • invoice linescheme fees0.16%
    Monthly invoices
  • A1-882041cost=0.12%billed=0.16%
    Reconciliation files
  • Billing systems

Illustrative: one transaction, read under the lens in three of the places its cost is written down.

What teams do about it today

  • Accept the invoiceChecking it is too hard, so the bill is trusted by default.
  • Check it onceAn internal reconciliation answers whether this month was right. Next month starts from zero.
  • Hire cost-recovery consultants£200k to £1M an engagement, with people checking samples by hand. The checking stops when the fees stop, and nothing reusable stays behind.
  • FeeVerifyYour billing broken down and every transaction checked against what you agreed, every number traced to its source, and each new month checked as it lands. You keep the rulebook.

How it works

No new headcount: AI does the high-volume analysis, and experienced payments specialists sign off every material finding. FeeVerify processes and routes nothing, so it stays independent of the providers it checks.

  1. 01

    Connect your contracts and data

    Contracts, side letters, pricing and one month of settlement, clearing or invoice files go into an environment only you can see. From then on, your current agreements sit in one place.

  2. 02

    Build the rulebook

    Each fee your agreements allow becomes a rule. Terms a contract leaves out are filled from scheme schedules and other sources, and every rule keeps its source and a confidence grade.

  3. 03

    Check every transaction

    Every transaction is re-costed against your rulebook, line by line, and with continuous assurance each new month is too.

  4. 04

    Recover, then plan ahead

    Discrepancies come with the clause, the rows and the amount, ready for a recovery claim. The same numbers show the true cost of each provider and route for your next negotiation.

Orchestratorroutes the work
  • Transaction Reviewlive
  • Reconciliationlive
  • Variancelive
  • Reportshadow
Needs reviewgraded High / Medium / Low
Specialist sign-offcards and payments

Agents move through draft, shadow, live and promoted. Every output lands in Needs review.Illustrative.

Proven on real production data.

A tier-one cross-border payments business operating across multiple markets (blended and IC++ acquiring) gave FeeVerify one month of data. It went from data ingestion to diagnostic in 30 days.

6-figurerecurring

A recurring variance traced to a single contract clause, found in one month of production data. The detail of the finding, like the client's name, stays confidential.

  • Expected, from the contract
  • Actual, from the invoice
gap
Illustrative: how a variance looks under the lensThe engagement's own figures stay confidential
44M+transactions re-costed from one month of data
228expected-fee rules from 100+ contract packages
92%invoice-to-rule tie-out in Market 1
60+source-linked reports, every number traceable
30 daysfrom data ingestion to a diagnostic on real production data
100+contract packages, many scanned or not in English

Figures from an engagement on real production data for a tier-one cross-border payments business operating across multiple markets, anonymised. The client is not named.

AI your auditor can follow.

Every agent action is logged and every rule is graded for confidence. Material findings wait for a named reviewer before anyone acts on them. Your data stays in its own environment and is never used to train a model.

  • Logged
  • Graded
  • Signed off
  • Ringfenced
  • ClauseSched. C §3.1, at cost
  • TransactionA1-882041 · scheme_fee=0.16%
  • Confidence gradeHigh
  • StatusNeeds review
Specialist sign-off, pendingA named reviewer checks it before anyone acts on it.
Illustrative screen: a fictional tenant and synthetic figures.

Know what you should be paying before your next renewal.

Start with a risk-aligned pilot: a 30-day diagnostic on your own data, so you see verified recoveries before any recurring fee. After that, a success fee on the value you accept, no ongoing commitment, and optional continuous assurance on each new month. You keep the rulebook either way.

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Next under the lens: your contracts and your data.