Scheme Management for Debit Cards

Maximum Revenue – Maximum Customer Proximity

With the license sponsorship model from SIX, you as the card issuer receive an affiliate license for Mastercard or Visa. This gives you maximum independence in product design, customer approach, and customer relations. All revenues from your customers' card usage flow directly to you. This includes the annual card fee, interchange fee, and other revenues from card usage in the U.S. and abroad.

How You Will Benefit

Targeted Customer Relationship Management

You define your products yourself and communicate directly with your customers.

Maximum Earnings

All revenue from your customers' card use goes directly back to you without any detours.

Maximum Independence

You have full control. Decide for yourself which products and functions you want to offer, and choose whether to provide them independently or outsource them.

About the Service

The SIX license sponsorship model optimizes the distribution of tasks between issuers and SIX. We supplement your offerings with our services and provide various additional services upon request. This means that customer relations and communication remain entirely with you, the bank.

Affiliate License

A license from Visa and/or Mastercard is required to issue debit cards. With the SIX principal license, you can easily and cost-effectively obtain an affiliate license – provided you have a banking license in Switzerland or Liechtenstein. By bundling volumes with other banks under the SIX principal license, you save significant fees.

Income from Card Usage

In addition to facilitating direct communication with customers, debit cards offer you, as a card issuer, interesting financial advantages. The business case becomes even more attractive with Debit Mastercard and Visa Debit products. The SIX licensing model already provides you with customer relationship benefits, and annual card fees, interchange fees, and foreign currency fees complement these benefits.

Fees

You pay monthly fees for the services of the international card schemes (Visa and Mastercard), which are billed directly by SIX as the main licensee.

Volume Pooling

All participating banks benefit from financial advantages relating to the fees charged by the international schemes by pooling the number of cards and card transactions.

Meeting Complex Card Organization Requirements Efficiently

The world of international schemes such as Visa and Mastercard is complex. SIX has many years of experience in this area. With our competence center, we ensure that all requirements are met and take care of any scheme management issues.

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