what we do


With customers increasingly using tap-and-go (contactless) payments in-store and shopping more online, payments acceptance costs are rising rapidly. This also means that payments systems reliability has become even more critical.

New payment features such as least-cost routing (also known as merchant choice routing, smart routing or tap and save), new payment types (Apple Pay, Samsung Pay, Google Pay, AliPay, Azupay, POLi), and new payment forms (smart phones, smart watches, QR codes), create opportunities but increase complexity at the same time.

This makes it an ideal time to check out the different payments service provider options available in the market. However, working through the myriad of different options can be difficult particularly with all the variations in pricing structures and the different ways that least-cost routing can be implemented. This is where a payments industry expert like Payments Consulting Network can make a significant difference in achieving the best outcome for organisations seeking to optimise payments acceptance costs and functionality.

Payments Consulting Network created Merchant Pricing Hub to highlight the services that we provide businesses and not-for-profit organisations to reduce payments acceptance costs while also addressing other key requirements such as: integrations; systems reliability and redundancy; reporting; settlement timeframes; and acceptance of new payment types.

One of the key tools that we use to provide clarity around potential cost savings is our Fee Savings Calculator. This sophisticated tool helps to easily compare alternate transaction routing options and pricing structures across different service providers.

We recognise that the services and support required can vary based on organisation size, industry sector, payments channels supported, payment types supported, card mix, capacity, expertise, requirements and objectives. For this reason, we provide a range of different services (as summarised in the table below) – please visit the individual pages for more information:

Payments Volumes < $20 million p.a. $20-400 million p.a. > $400 million p.a.
Business Type Merchant / Not-for-Profit Merchant / Not-for-Profit Merchant / Industry Association / Buying Group
Service Service Description Fee Basis Services Available
Pricing Analysis Compares your current fees with an alternative service provider sourced from our PSP Panel. Free
Payments Optimisation Review High level review of current payments arrangements, including benchmarking of current cost of acceptance, analysis of least-cost-routing impact,  consideration of surcharging options, and a fee audit. Fixed Fee
Short-Form Request for Proposal 7 week tender process, single round of pricing submissions, with RFP sent to the incumbent PSP and 4 PSP Panel members. Fixed Fee or Share of Projected Year 1 Savings
Long-Form Request for Proposal 16-18 week tender process, 2 rounds of pricing negotiation, with RFP sent to incumbent PSP and 4-7 additional PSPs. Optional concurrent card scheme negotiations where appropriate. Fixed Fee or Share of Projected Year 1 Savings

Client Testimonials

To read recent client testimonials, please refer to the Case Studies section as these highlight the difference engaging Payments Consulting Network can make.

Find Out More

To find out more, please complete the contact form below to provide further information on your organisation and requirements. We will then be in touch to schedule a call to discuss potential options and next steps.

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Payments Acceptance Details
Payments channels supported
Payment methods supported
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