At Ureapa, we know that merchant fees are an under-scrutinised cost in many businesses – particularly within the hospitality, retail, and SME sectors. Yet, the complexity and opacity of these charges represent one of the richest grounds for GNFR (Goods Not For Resale) savings. That’s where our Merchant Payment Procurement Services come in.
We don’t just compare rates – we deconstruct the full cost model, leveraging decades of procurement and payments expertise to help clients realise significant savings and operational gains.
Our approach begins with a forensic review of your payment processing arrangements, including card terminal setups (fixed, mobile, SoftPOS), virtual and MOTO transactions, loyalty integrations, and advanced functions like Dynamic Currency Conversion (DCC) and Open Banking A2A solutions. This extends to nuanced areas like virtual card acceptance from OTAs (Online Travel Agents) and tips processing compliant with the 2023 Employment (Allocation of Tips) Act.
Why does this matter? Because interchange and scheme fee structures are no longer standardised. There are over 200 cost lines depending on card type, geography, and transaction method. Many incumbent providers fail to pass on regulatory or platform-driven cost reductions. Even more concerning, they often mask true costs behind headline rates and obscure metrics.
Case in point:
- A £1.5M turnover restaurant in Greater London saved 25% compared to their deal with WorldPay—largely by optimising for international card handling.
- A £10M multi-site restaurant group where a £20K annual saving potential was identified through more aligned acquirer options.
- A luxury retailer secured >50% savings in year two by shifting away from poor terms on international and business card acceptance.
And this isn’t just about cost. It’s also about service design. Is your payment infrastructure standalone or integrated with your PMS/POS? Are your DCC revenues optimised or absorbed by your provider? Do you have NIC exposure from tips that could be reduced with compliant solutions?
Our role is to act as your expert advocate – brokering the right mix of merchant acquirers, platforms, and financial models to fit your business profile. Whether you’re an operator, CFO, or procurement lead, we provide a vendor-neutral, commercially robust review that can uncover six-figure efficiencies.
Want to assess if there’s a savings opportunity? Ask yourself:
- Who conducted your last payment review—your incumbent, a reseller, or a genuine specialist?
- Do you understand your interchange, scheme fees and DCC revenue share?
- Are you confident you’re not overpaying for underperforming services?
If not, you need a proper review. Let Ureapa show you the real cost of payments – and how much leaner, smarter, and more profitable your operations could be. Get in Touch
