---
title: "Card Scheme Fee Benchmarking Tool"
method: POST
path: "/v1/tools/benchmark_card_scheme_fees"
tags: ["scheme fees", "Visa", "Mastercard", "assessment fee", "NABU", "benchmarking", "interchange", "optimisation", "AP2"]
---

# Card Scheme Fee Benchmarking Tool

`POST /v1/tools/benchmark_card_scheme_fees`

## Request

- Base URL: `https://ainumbers.co`
- URL: `https://ainumbers.co/v1/tools/benchmark_card_scheme_fees`
- Auth: none declared

Benchmarks indicative Visa and Mastercard scheme fees (assessment, NABU, data service, and CNP surcharge fees) by card type and region (US, EU, UK, APAC). Outputs per-component fee breakdown, Visa/MC comparison, annual estimate, optimisation opportunities, and AP2 JSON fee policy.

**Tool URL:** https://ainumbers.co/tools/233-card-scheme-fee-benchmarking.html
**AP2/Policy Mandate export:** yes

## Request body

- object
  - `region` string, required
  - `card_type` string, required
  - `monthly_volume` integer, required
  - `average_ticket` number, required
  - `channel_type` string

## Response `200`

Successful tool execution result

- object
  - `visa_monthly_fees` number
  - `mc_monthly_fees` number
  - `blended_monthly_fees` number
  - `annual_scheme_fees` number
  - `visa_effective_rate_bps` number
  - `mc_effective_rate_bps` number
  - `blended_effective_rate_bps` number
  - `fees_as_pct_of_revenue` number
  - `ap2_mandate` object

---

[API](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite.md) · [All operations](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/llms.txt) · [OpenAPI document](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/revisions/b462e4f5bb28?raw)