Card Issuing · BaaS
T225 · T226 · T228 · T233 · T163
Interchange · PCI · 3DS
Scheme Fees
Zero PII
Card Programme Design Studio
A complete card programme launch workflow. Inputs are the product (debit / prepaid / credit / commercial), MCC mix, and AOV. The model returns BIN sponsorship economics, the interchange qualification waterfall (which CPS / regulated bucket each MCC lands in), the PCI DSS v4.0 scope wizard, 3DS / EMV / SCA readiness, scheme fee benchmarking across Visa / Mastercard / Amex / Discover, and a single launch-readiness score with a gap-list. Policy Mandate export.
Schemes
4
Visa · MC · Amex · Discover
Card Types
4
Debit · Prepaid · Credit · Commercial
PCI v4.0 Reqs
12
Goals checked
3DS Version
2.3
Latest EMVCo standard
Reg II Cap (US)
21¢ + 5 bps
Durbin debit, 2026
Schema
v1.0
@postoaklabs.com/card-programme-design-v1
Programme Presets
Programme Inputs
Drives interchange floor
Issued + active
Across all MCCs
Frequency assumption
Drives fee waterfall
Regulatory regime
MCC Mix (% of volume)
Compliance Status
Deterministic · client-side · ~40 ms runtime
Panel 01 · Launch Readiness
Composite Score & Gap List
—
Run the model
Panel 02 · Interchange Waterfall
Per-MCC Qualification
| MCC Bucket | Vol Share | Qualified Rate | Effective Rate | IC Revenue (mo) |
|---|
Panel 03 · PCI DSS v4.0 / 3DS / EMV
Compliance Readiness
Panel 04 · Scheme Fee Benchmark