CARDEXIS

The Payment Intelligence Suite by Moneysab

AI-Powered Cost & Revenue Intelligence for Settlement & Invoicing

We unify scheme settlement data and monthly invoices into financial intelligence — giving banks and processors cost transparency, margin clarity, and faster decision execution.

Cost control
Margin clarity
AI-assisted decisions
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Why Cardexis

Scheme-grade logic, practical automation and AI for finance & operations teams.

Cost control

Track scheme fees, surcharges, cross-border & FX impacts in one place.

Margin clarity

Issuing & acquiring P&L down to BIN/product/merchant segment.

Faster decisions

AI-assisted insights and alerts on anomalies, spikes, leakages.

Built by experts

Based on Visa/Mastercard rulebooks and real settlement behavior.

Two Modules — One Suite

Activate C-Bill (Invoices) and C-Flow (Settlement) independently or together.

C-Bill • InvoicesC-Flow • Settlement

C-Bill — Invoice Intelligence

  • Automated parsing of Visa & Mastercard monthly invoices
  • Cost taxonomy, allocation & variance analysis
  • Alerts on unexpected fee changes
  • Exports to ERP/Finance systems

Up to 80% less manual spreadsheet reconciliation — scheme impact is known in hours, not weeks.

C-Flow — Settlement Intelligence

  • Support for VSS / TT140 & scheme settlement files
  • Issuing fees & interchange; Acquiring merchant economics
  • AI anomaly detection (leakages, mis-pricing)
  • BIN/product/region segmentation

+10–15% margin recovery potential identified within year one through scheme cost leakage analysis & optimization.

Data, Architecture & Deployment

Data sources

Visa (VSS, invoices) • Mastercard (TT140, invoices) • CSV/fixed-width/PDF • SFTP/HTTPS.

Architecture

Microservices (Spring Boot), Kafka streaming, API-first, containerized, CI/CD.

Security & DevSecOps

PCI-DSS & ISO 27001 practices, SAST/DAST, encryption in transit & at rest, RBAC.

EU privacy-grade cloud by default — deployable in any region (AWS / private cloud / on-prem) with strict tenant isolation.

Expected impact

Up to 80% less manual reconciliation

Replacing spreadsheet stitching with automated ingestion, mapping & controls.

AI-assisted anomaly detection

Surface leakages and mis-pricing faster than manual reviews on scheme data.

+10–15% margin recovery potential

Identified within the first 12 months via scheme cost-leakage analysis & optimization.

Figures represent typical outcomes observed with automation in payments fee analytics; results may vary by scope and data quality.

FAQ

How long to implement?

Pilot in 2–4 weeks with your real data.

On-prem support?

Yes—same codebase, hardened images and offline deployment options.

Integrations?

CSV/Parquet exports, REST APIs, push to your data lake/BI.

Issuing & Acquiring?

Both. Activate C-Bill and C-Flow independently or together.

See your fees & margins clearly.

Start a pilot with your real Visa/Mastercard datasets.

Request a Demo