Thought Leadership
Did Shopify Already Decide Your Payments Strategy?
Shopify now make over 75% of their revenue from payments-related fees. How much is your contribution?
The Hidden Cost of Premium Cards in B2B Payments
To (Visa) Infinity… and Beyond! Many B2B businesses unknowingly accept Visa Infinite Business cards, which incur higher fees compared to other card types. Originally designed for limited use, these cards are now widespread among SMEs, leading to increased transaction costs…
One Battle After Another: National Minimum Wage, Business Rates & Payments Fees
The Autumn Statement has initiated changes, including rising minimum wages and business rates, impacting retail and hospitality sectors. These factors heighten trading costs and squeeze margins, as payment fees also increase with transaction values. Retail margins have decreased significantly due…
If You Don’t Control the Exit, You Don’t Control the Revenue
Subscription models are evolving as banks gain control over payment management, prompted by regulations and customer behaviour. Banking apps are simplifying cancellation processes, increasing the risk for merchants if exits are complicated. As subscription visibility improves, businesses must prioritize transparent…
Optimising the Payments Ecosystem: Cost, Revenue, and the Future of Payment Rails
Payments have evolved from simple processing costs into strategic components critical to business performance. As merchants adapt to new technologies like open banking, they can achieve lower costs and enhanced flexibility. However, maintaining consumer protection is essential. Rethinking payment ecosystems…
BNPL Regulation: When ‘Pay Later’ Hits the P&L
Starting July 2026, Buy Now, Pay Later (BNPL) in the UK will face full FCA regulation, affecting both lenders and merchants. BNPL’s role in revenue will become more complex due to mandatory affordability checks and stricter consumer protections. Finance teams…
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