Our clients divide roughly in two. On one side are the businesses and public bodies that make or receive payments and want to pay less to do so. On the other are the firms building payment products, where the questions are about licensing, pricing and market access.
Cash carries a cost stack of its own: collection, counting, insurance, bank charges on deposits, and the working capital tied up in transit. We price all of it, including the case for automating the count at the point of takings.
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One acquirer contract, signed some years ago on a blended rate and rarely revisited since. That is usually where the money is, and usually recoverable without changing provider.
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Multi-site estates, terminal fleets on rental contracts that have outlived the hardware, and high-volume low-value baskets where the fixed fee per transaction does more damage than the percentage rate.
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Safeguarding arrangements, sponsorship and BIN pricing, and the decision whether to operate as an agent or seek your own permissions. We work on the terms, not only the strategy.
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Choosing between an electronic money permission and the MiCA route, structuring reserve and redemption arrangements a regulator will accept, and building the banking relationships the model depends on.
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Procurement rules narrow the options and surcharging rules narrow them further. We work inside those constraints and produce the written benchmarking evidence audit committees expect to see.
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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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