Bicycle watches effective interchange rate, scheme fees, chargeback ratio, cross-border authorization, card-type mix, and dispute win rate across the card network and issuer dimensions that matter. When a number moves, it explains the likely cause and recommends the next action to the team that can fix it.
No credit card required
A settlement report shows higher fees. Bicycle names the interchange code, the qualification gap, and the fix.
Bicycle comes with payment gateway industry intelligence already inside. Pick one Bicycle-recommended KPI and watch it run: the KPI it watches, the causes it checks, the action it recommends to the owner, and what it keeps.
A card network problem not listed here? Book a demo and we will map it.
The monthly statement shows higher fees. The team checks interchange codes, qualification data, scheme fee schedules, and card-type mix across three tools and two billing cycles while the cost compounds.
Bicycle detects the interchange rate move as settlement lands, isolates the qualification gap or card-type driver, tests scheme fee and mix hypotheses in parallel, and routes the fix to the owner before the next billing cycle.
Six capabilities, set up once and run continuously. Business teams move faster, analysts keep governance, everyone trusts the number. Pick one to go deeper.
Capabilities work together in one continuous loop. Detect → Explain → Act → Learn.
Same governed intelligence underneath. The payments agent for the teams who own the number, the controls for the team who owns the data.
The move finds you, ranked by revenue impact, with the cause and the next step attached. No dashboard hunt, no three-day ticket.
Analysts review first-pass causes instead of rebuilding them. Leaders give the business self-service inside one governed boundary.
Your stack stays the system of record. Bicycle turns payments signals into alerts, triage, stories, dashboards, chat, and governed actions on top of it. No rip-and-replace.
Frames the question, orchestrates the investigation, writes the story, recommends the next step. It reasons.
Detects movement, ranks drivers, computes confidence, forecasts. The numbers are calculated, not generated.
And the rest of what you run: settlement data · processor feeds · auth results · fraud signals · observability · Slack
Bicycle runs on top of your existing systems. The card networks pack supplies the starting KPIs, causes, stories, and action paths.
Bring one revenue-critical card network KPI, connect a trusted source, and watch Bicycle turn a prompt plus your data into a card network analytics agent. Zero to a working agent in about 15 minutes.
Grow into the full product when your team is ready.
Bring one interchange or scheme fee metric that matters. We will show how Bicycle detects the move, explains the cause, and recommends the next step on top of the stack you already run.
No credit card required