We’ll negotiate your merchant fees for you
Our team has direct experience negotiating interchange-plus and blended pricing deals with Australian payment providers. We do the research, the back-and-forth, and the number-crunching so you don’t have to.
Most businesses are overpaying and don’t know it
Most merchants are on blended pricing: a single opaque rate that bundles interchange, scheme fees, and the acquirer’s margin into one number. You have no visibility into what you’re actually paying for, and no way to tell whether your provider’s cut is reasonable.
Providers rely on that confusion. Merchants who don’t ask, don’t get better rates. Under the RBA’s March 2026 reforms, the interchange caps cut Australian merchants’ wholesale card payment costs by around $910 million a year once they take effect, but that only reaches you if you’re on the right structure with the right provider.
Projected annual reduction in wholesale card payment costs for Australian merchants, from the interchange caps in the RBA’s March 2026 conclusions paper.
Source: RBA Review of Merchant Card Payment Costs and Surcharging, Conclusions Paper, March 2026.
What’s included
Fee audit
We analyse your current merchant statement, break down your effective rate by card type, and identify exactly where you’re overpaying compared to the market.
Rate benchmarking
We compare your current rates against what other businesses of your size and industry are paying, using our database of 21 Australian providers.
Provider negotiation
We approach providers on your behalf with data-backed proposals. Whether you want to renegotiate with your current provider or switch to a cheaper one, we handle the process.
Ongoing monitoring
Rates change. We’ll alert you when a better deal becomes available or when your provider raises fees without notice.
Three simple steps
- Step 01
Send us your details
Share your latest merchant statement and tell us about your business. We’ll be in touch within 2 business days.
- Step 02
We do the analysis
We break down your fees, benchmark against the market, and identify the best options. You’ll receive a clear report showing where you stand.
- Step 03
We negotiate on your behalf
If you want to switch or renegotiate, we handle the conversations with providers. You approve the final deal.
Is this right for your business?
- Processing $25K+ per month in card payments
- On a blended rate and unsure if it’s competitive
- Unsure whether blended or interchange-plus pricing is better for your business
- Recently received a rate increase notification
- Want to understand interchange-plus pricing
- Need to prepare for the October 2026 surcharge ban
What it costs
We offer an initial review of your merchant statement. If we identify savings, our fee is a percentage of the annual savings we achieve for you. If we can’t save you money, you don’t pay anything.
No savings, no fee.
Ready to find out if you’re overpaying?
Send us your details and we’ll be in touch within 2 business days to discuss how we can help.