Solutions / PSP commercials
Know what every transaction really costs.
A headline rate is not a price. The price is the percentage, plus the fixed fee, plus the minimum, less the cap, plus FX, plus refunds and chargebacks, plus the settlement fee, plus whatever a monthly minimum adds when volume falls short.
And the commercial position is not only the price. It is also when the contract renews, how much notice you owe, what is held in reserve and when it is released.
Fee structure
- Percentage, fixed, minimum and capped fees
- Per provider, per payment method, per market.
- FX, refund and chargeback fees
- The costs that rarely appear in the negotiation and always appear on the invoice.
- Withdrawal and settlement fees
- Payouts have a cost structure of their own.
- Effective processing cost
- Everything above, resolved against real volume into one comparable rate.
- Cost per successful transaction
- The number that lets you weigh a cheaper provider against a better-converting one.
Contract and commercial management
- Contract start and end dates
- For every provider, in one register rather than in a folder of PDFs.
- Renewal dates and auto-renewal
- Which agreements roll over on their own, and when.
- Termination notice periods
- And the date by which notice must actually be served — usually the thing that gets missed.
- Settlement schedules
- Frequency and value date, per provider and per currency.
- Rolling reserves
- Percentage held, hold period, and when each tranche is due for release.
- Monthly minimums and volume commitments
- Tracked against actual volume, so a shortfall is visible before it is invoiced.
- Commercial alerts
- Notice deadlines, renewals, reserve releases and minimum shortfalls, raised in advance rather than in hindsight.
In the platform
Commercials
What did it cost?
Fee structure
| Fee | Provider A | Provider B | Provider C |
|---|---|---|---|
| Percentage fee | 1.90% | 2.10% | 1.70% |
| Fixed fee | €0.20 | €0.15 | €0.25 |
| Minimum fee | — | €0.50 | — |
| Maximum fee (cap) | €12.00 | — | €9.00 |
| FX fee | 0.50% | 0.70% | 0.40% |
| Refund fee | €0.50 | €0.30 | €0.50 |
| Chargeback fee | €15.00 | €20.00 | €12.00 |
| Withdrawal fee | €0.35 | €0.25 | €0.45 |
| Settlement fee | €25.00 | €15.00 | €30.00 |
| Monthly minimum | €2,000 | €1,000 | €3,500 |
| Rolling reserve | 5% / 90 days | — | 8% / 180 days |
Resolved against volume
Provider A
2.26%
Effective processing cost
€0.94 per successful transaction
Provider B
2.48%
Effective processing cost
€1.07 per successful transaction
Provider C
2.09%
Effective processing cost
€0.88 per successful transaction
Contract register
| Provider | Start | End | Renewal | Notice | Settlement | Reserve | Minimum |
|---|---|---|---|---|---|---|---|
| Provider A | 01 Mar 2025 | 28 Feb 2028 | Auto-renews | 90 days | Weekly, T+3 | 5% / 90 days | €2,000 / month |
| Provider B | 27 Nov 2023 | 26 Nov 2026 | Auto-renews | 60 days | Daily, T+2 | — | €1,000 / month |
| Provider C | 01 Oct 2022 | 30 Sep 2027 | Manual renewal | 30 days | Monthly, T+10 | 8% / 180 days | €3,500 / month |
| Provider D | 12 Jan 2026 | 11 Jan 2029 | Auto-renews | 90 days | Weekly, T+5 | 3% / 60 days | — |
Commercial alerts
Termination notice deadline in 24 days
Provider B — notice must be served at least 60 days before the 26 Nov renewal.
Monthly minimum shortfall
Provider C — €3,500 committed, €1,840 processed. Third consecutive month.
Rolling reserve release due
Provider A — €48,200 scheduled for release on 30 Sep.
Also in solutions
Payment performance optimisation
Find where transactions fail. Acceptance rate and customer success rate by PSP, market, method, bank and BIN, with the decline reasons behind them.
Payment reconciliation
Bring transactions, PSP reports and settlements together. Surface missing settlements, fee discrepancies, duplicates, unmatched transactions and currency differences.
Payments advisory
Define the payment architecture your business needs, then deliver it — provider strategy, selection, integration, cashier experience and the operating model behind them.
Payments sit between technology, finance, operations and customer experience. Most of the problems live in the gaps between them.