Door A · Merchants
Sourcing, onboarding, risk management and negotiation — done independently.
Our experience on the acquirer side means we know where margin hides. We use that knowledge on your behalf: whole-of-market sourcing, sharper contracts and lower processing costs.
01
Provider sourcing
We run a structured tender across the acquirers that actually fit your business — model, volume, geographies and risk profile — and negotiate the schedule before you sign.
02
Onboarding
End-to-end onboarding management: KYC, underwriting, PCI, technical integration and settlement setup. We work between you and the provider until you're live.
03
Fee reduction
We read statements line by line, separate interchange, scheme fees and acquirer margin, then rebuild the pricing on evidence — with or without switching provider.
04
Statement audit
A short, free diagnostic. Send a recent statement and we'll respond within 48 hours with what you're actually paying and where the money is going.
05
Risk management
We prepare your file so it underwrites cleanly: risk profiling, chargeback and fraud controls, scheme monitoring and remediation — so risk never becomes the reason a deal falls through.
06
Negotiation
We sit on your side of the table: processing rates, scheme fees, settlement terms, rolling reserves and contract clauses — and push back on the terms providers hope you won't question.
Who this is for
Both e-commerce and point-of-sale merchants — and businesses running both — across the UK, EU and US.
Merchants looking for additional payment methods or international expansion, who need the right provider and the right methods for each market.
Founders and finance leaders processing anywhere from £250k to £250m a year who suspect they're overpaying and want an independent read.
Global expansion & alternative payments
Take payment the way each market expects.
Selling into new geographies is about more than finding an acquirer. Local acquiring, multi-currency settlement and the payment methods each market actually uses all decide whether conversion lands or leaks.
We advise on and source the full alternative payments stack — including buy now, pay later providers such as Klarna — alongside wallets and local bank-transfer schemes, matched to your markets and integrated with your existing setup.
Buy now, pay later
Klarna and comparable BNPL providers, sourced and integrated where they lift conversion rather than dilute margin.
Local acquiring
Domestic acquirers in each target market, so you settle locally instead of paying cross-border premiums.
Multi-currency
Present, capture and settle in your customers' currency with FX rates you've actually negotiated.
Wallets & bank transfers
Apple Pay, Google Pay and local bank-transfer schemes such as iDEAL, SEPA instant and ACH.
Separate offering
Merchant cash advance.
Beyond card processing, we offer merchant cash advance as a standalone service — an advance against your future card sales, repaid as a small percentage of daily takings rather than a fixed monthly payment.
It suits card-heavy businesses that need working capital without touching their bank facility. We assess whether an MCA is genuinely right for your numbers, then source and negotiate the facility across the whole market — if it's not the right instrument, we'll say so.
- Repayment flexes with your card takings — quiet months cost less.
- Unsecured against future card sales, not personal or business assets.
- Facilities typically arranged within days once statements are reviewed.
- Whole-of-market sourcing: we compare funders and negotiate the factor rate.
Separate offering
Open banking.
Account-to-account payments and open banking data, as a standalone service — pay by bank at a fraction of card costs, or use open banking data for verification and affordability.
We advise on where open banking genuinely earns its place, then source and integrate the right provider — payins, variable recurring payments, or data-led onboarding.
- Pay by bank: lower cost than cards, instant settlement.
- Variable recurring payments for subscriptions and top-ups.
- Account verification and affordability data at onboarding.
Separate offering
High-risk sectors.
Card processing for high-risk and regulated merchants, as a standalone service — where mainstream acquirers decline, we place the business with providers built for your sector.
We know the underwriters' criteria from the inside, so we prepare the file properly, target the right lenders and negotiate pricing that reflects reality rather than fear.
- Access to specialist high-risk acquirers across UK, EU and US.
- Underwriting support: documentation, KYC and risk file preparation.
- Rolling reserves and chargeback terms negotiated up front.
Separate offering
Visa Merchant Performance Program.
The Visa Merchant Performance Program (VMPP) monitors chargeback and fraud levels across the card schemes. If your ratios breach Visa's thresholds, you face escalating fees, reserve requirements or, ultimately, the loss of card acceptance — as a standalone service, we get you out of the program and keep you out.
We diagnose why your chargeback-to-transaction and fraud ratios are where they are, then build the remediation plan Visa's auditors expect to see — and stay alongside you until you exit the program cleanly.
- Full diagnosis of the chargeback and fraud drivers behind your breach.
- Remediation plan, evidence and reporting prepared to scheme standard.
- Ongoing monitoring and dispute handling until exit is confirmed.
Tailor-made solutions
Reporting and functionality, built around you.
Off-the-shelf processing rarely fits perfectly. Many merchants need better reporting facilities — reconciliation that matches their ledger, per-site or per-channel splits, real-time dashboards — or specific functionality their current provider simply can't deliver.
We translate exactly what your business needs into provider requirements, then find and configure the platforms that can genuinely deliver it — rather than settling for the nearest fit and working around the gaps ever after.
- Reporting and reconciliation built to match how your finance team works.
- Specific functionality: tokenisation, recurring billing, split settlements, API-led integrations.
- A shortlist of providers proven to deliver the capability — not just claim it.
Start with the statement.
Free, 48-hour turnaround, no obligation.