When teams compare payment providers, they compare rates. In operation, the cost that shows up in the P&L is a combination of the rate, the FX spread, the settlement cycle and the working capital tied up while funds are in transit.
Cycle length is working capital
A three-day settlement cycle instead of a seven-day one frees several days of revenue back into the business permanently. For a fast-growing merchant, that liquidity is often worth more than a small reduction in the transaction fee.
Ask how FX is applied
Rates can be applied at authorisation, at capture or at settlement, with very different results in volatile corridors. Clear, timestamped FX reporting is what makes reconciliation possible at month end.
Reconciliation should not be manual
Every settlement should map back to the individual transactions that produced it, with fees itemised. When that mapping is provided by the platform, finance teams close books in hours instead of days.
Talk to our payment team about your markets.
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