CardOS
Card-scheme compliance and invoice checking, in one platform
Keeps compliance teams on top of Visa and Mastercard rule changes, and checks every acquirer invoice against the contract — so nothing gets missed and billing errors get money back.
Billed this period
$248,500
Recoverable
$19,420
7.8% of billed
Corrected total
$229,080
what you should pay
Clean fee types
14/17
Billed breakdown
$248,500
Discrepancy by type
Scheme rule index
Card-scheme rulebooks run to thousands of rules that change constantly, and checking invoices in spreadsheets leaves recoverable overcharges undetected.
Payment processors, banks, and fintechs with in-house compliance and finance teams responsible for Visa/Mastercard compliance and monthly acquirer-invoice audits.
The full picture
One source of truth for rule changes and billing errors.
- Indexes 7,000+ Visa and Mastercard rules, searchable with word-for-word citations.
- Turns scheme bulletins into executive briefs — who is affected, what is due when, and trackable actions.
- Reads the fee schedule out of your contracts and checks every invoice line against it.
- Flags overcharges you can claim back and drafts the dispute paperwork, grounded in the indexed rules.
From input to audit trail.
Index
Load rulebooks and bulletins; the platform reads them and makes them searchable.
Brief
Spot updates automatically and generate briefs of the rules they affect.
Reconcile
Extract the fee schedule, read the invoices, and check every line.
Recover
Total up the overcharges and export a dispute document ready to send.
What it does.
Rulebook Indexing
Search 7,000+ Visa and Mastercard rules and get word-for-word citations.
Bulletin Briefs
Turns each scheme bulletin into a short brief: who is affected and what is due when.
Action Tracking
Turn each rule change into assigned tasks and track completion by team.
Rate-Card Extraction
AI reads every fee, tier, and surcharge out of your contracts, with clause references.
Invoice Reconciliation
Match every invoice line to the contract and flag recoverable overcharges automatically.
Dispute Drafting
Drafts the dispute paperwork, backed by the indexed rules and your evidence.