We work with multi-site operators across high-street and out-of-town retail, restaurant groups, pubs, hotels and leisure, quick-service and casual dining, forecourts, convenience and grocery, and specialist retail from garden centres to automotive.
Each of these has its own payment economics. A pub group's costs are shaped by tips, service charge and late-evening card mix. A forecourt's are shaped by pre-authorisation and fuel-card acceptance. A quick-service chain lives or dies on the fixed fee per transaction rather than the percentage rate. We start from the operating model rather than from a standard template.
Card acceptance is usually the largest line. Cash handling is almost always the least managed. Gateway and terminal pricing is frequently still sitting where it was set five or more years ago, on hardware that has since been replaced. Foreign exchange on supplier payments and on receipts from overseas visitors is rarely benchmarked at all.
We work through each of these in turn and tell you what is recoverable and what is not.
We scope the review, rank what we find by value and by how hard it is to capture, and agree an implementation plan with you before anything is put to a provider. We then support the negotiations from beginning to end.
For multi-site operators the sequence matters as much as the outcome. New arrangements go through the estate in a defined order, usually starting with a small group of sites, so that anything unexpected surfaces before it reaches the whole business.
The first conversation takes half an hour, costs nothing and commits you to nothing. If there is nothing here for you, we will say so.
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