CardOS
Scheme compliance and acquirer-cost assurance, in one platform
Indexes payment-scheme rulebooks and automates reconciliation of acquirer invoices against contracts — giving compliance and finance teams one source of truth for rule changes and billing errors.
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
Compliance teams can't keep up with thousands of evolving scheme rules, and spreadsheet-based invoice reconciliation leaves recoverable billing 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
Card schemes publish hundreds of rule updates a year, and acquirers issue invoices with dozens of fee categories — leaving compliance teams chasing bulletins and finance teams missing millions in overcharges. CardOS solves both. It ingests Visa and Mastercard rulebooks and PNO bulletins, auto-generates executive briefs with impacted functions and due dates, and routes trackable actions by team. In parallel, it extracts rate cards from acquirer contracts, parses invoices (OCR included), and reconciles every line against the contract using SQL plus LLM reasoning — flagging recoverable amounts and producing dispute-ready packets grounded in indexed rules. All 7,000+ rules are searchable with hybrid search and verbatim citations.
From input to audit trail.
Index
Ingest rulebooks and bulletins; parse, OCR, and embed them for hybrid search.
Brief
Auto-detect updates and generate impact briefs with confidence-scored affected rules.
Reconcile
Extract rate cards, parse invoices, and match every line with SQL plus LLM.
Recover
Quantify overcharges and export an acquirer-ready dispute document.
What it does.
Rulebook Indexing
Index 7,000+ Visa and Mastercard rules with hybrid search and verbatim citations.
PNO Brief Generation
Auto-ingest scheme bulletins into structured briefs with impacted functions and due dates.
Action Tracking
Turn each update into assignable sub-workflows with per-function completion KPIs.
Rate-Card Extraction
LLM extraction of every fee, tier, and surcharge from acquirer contracts, with clause references.
Invoice Reconciliation
Match every invoice line to the contract and flag recoverable overcharges automatically.
Dispute Drafting
Generate pre-arbitration packets grounded in indexed scheme rules and evidence.