Merchant cost review

See what card acceptance is really costing the business.

Headline rates rarely explain the full bill. A statement-led review reveals the effective cost, fee structure and areas worth investigating.

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Quantome Commerce LimitedEvidence before change. Savings are not guaranteed.
What a card acceptance cost is made ofA single card acceptance cost separated into four component layers: interchange, scheme fees, acquirer margin and other charges.HEADLINE RATEEFFECTIVE COSTOne quoted percentageInterchangeSet by the card schemeScheme feesNetwork chargesAcquirer marginNegotiableOtherTerminal, PCI, FXOnly one of these four is genuinely negotiable.
Illustrative proportions only. The actual split varies by card type, scheme, transaction mix and merchant profile, and is established from your own processing statements.
How we can help

Analyse the statement, not the sales headline.

We review recent processing statements and the transaction mix to identify the costs that materially affect your effective rate.

Core processing fees

Processor, scheme and transaction charges across the actual payment mix.

Additional costs

Surcharges, international or currency costs, chargebacks and ancillary fees.

Alternative arrangements

Potential options assessed against volume, channel, contract and operational requirements.

The review is informational. Any saving depends on current contracts, transaction mix, volumes, provider eligibility and formal terms; savings are not guaranteed.
Working sequence

A clear path from requirement to decision.

ProvideRecent complete processing statements.
CalculateEffective cost and material fee categories.
ExplainFindings, constraints and possible options.
DecideChange only if the evidence supports it.

Want a clearer view of processing cost?

Start with the statements. We will identify what is material before discussing alternatives.

Request a merchant review