Payments advisory
Payments experts who cut your card costs
Your statement says more than they told you.
Most merchants are paying more than they need to accept cards, and almost none can tell from the statement. We read it, work out what you should be paying, and negotiate the difference back.
Send a statementSee how it works
No obligation. If you are already on a good rate, we will tell you so.
| Card turnover | $48,210.00 |
|---|---|
| Merchant service fee | $611.86 |
| Terminal rental ×3hardware paid off years ago | $104.85 |
| PCI compliance feecharged, never explained | $29.00 |
| Minimum monthly fee | $0.00 |
| Effective rate | 1.55% |
Two lines worth $133.85 a month, and a rate a business this size should not be paying.
Statement shown is illustrative, not a real client's, and not a quote.
Where the money goes
Four things we find in almost every statement
None of these are exotic. They are simply invisible from a merchant statement unless you know what you are reading.
Routing left switched off
Eligible debit taps sent down the more expensive network because nobody enabled least cost routing. It is rarely on by default.
A plan that fitted three years ago
Flat rate suits a smaller business. Past a certain turnover it stops being the cheap option, and nothing prompts a review.
Interchange categories you could qualify for
Scheme tokenisation and better transaction data can move a payment into a cheaper category. Most merchants are never told the category exists.
Rental on hardware you have paid for
Terminal rental that quietly outlived the terminal. We have seen fleets paid for several times over.
The engagement
How it works
Four steps, no obligation, and you keep your provider if the numbers say you should.
Send one statement
A single recent merchant statement shows your effective rate, plan structure, volumes and card mix. That is most of what we need.
We read it properly
You get, in writing, what you actually pay once every fee is counted — and the case for staying put if that is the answer.
We go to market
If moving is worth it, we approach providers on your behalf and negotiate. You see what came back. We do not sign anything for you.
We handle the switch
Terminal deployment, settlement changes, POS integration. The part merchants dread is the part we do.
What you get
A written answer, not a sales call
Every engagement produces the same four things, whether or not you end up moving provider.
What you actually pay
Your effective rate once every fee is counted — rate, monthly costs, terminal charges, the ones that never get explained. In writing.
What the market would offer
What a business of your size, industry and card mix should expect to pay. A position, not a single quote.
The case for staying put
If your current deal is already competitive, that is what the answer says. We would rather tell you than move you for the sake of it.
A managed switch, if you move
Terminal deployment, settlement changes, POS integration. The part merchants dread is the part we handle.
How we are paid
The provider we place you with pays us a commission, which is why the advisory costs you nothing. We tell you who we are recommending and why. If you would rather pay a fee and remove the commission entirely, we can do that instead — ask.
Send one statement
We will tell you what you are actually paying and whether it is worth moving. If your rate is already good, that is what the answer will say.