From commodity pricing to profit-driven acquiring economics

Custom acquiring setup for strategic profit growth

A custom acquiring setup built around your business model does more than processing. It directly impacts how much revenue you earn and how much you lose in inefficiencies.

Capture more revenue from existing demand

We improve your approval rates and reduce unnecessary declines to convert more of your existing traffic into successful transactions.

Eliminate hidden expenses

Reduce losses from suboptimal routing, cross-border processing, failed payments, and inefficient settlement structures.

Expand without limits

A poorly designed payment setup limits growth, holding back expansion and capabilities like recurring payments, payouts, and FX. We remove those constraints.

Build predictable unit economics

When your feature setup and pricing model are structured around your actual business model, you gain a clear view of your margins, CAC payback, and performance across markets and offerings.

Reduce operational overhead and costly errors

When reporting is clear, settlement logic is predictable, fees are transparently structured, and teams have access to a reliable management portal and responsive support, less time is spent on manual chaos.

Balance risk without sacrificing conversion

Overly strict risk controls reduce approval rates and block legitimate transactions. Weak controls lead to fraud losses, chargebacks, and pressure from schemes. We help you strike the right balance.

Your acquiring cost drivers

Transaction cost

First, we analyse your risk profile, payment flows, geography, and transaction volumes. Based on this, we define your transaction pricing model.

It can be structured either as differentiated rates by transaction type, or as a unified rate for simpler reconciliation and forecasting.

Advisory and consulting (optional)

You can also engage us for strategic guidance, performance reviews, and workshops with our C-level experts on demand or as an ongoing collaboration.

Transaction cost structures we offer

You can choose the option that best matches your cost visibility needs and level of pricing predictability.

Interchange ++

You pay the actual interchange (issuer fee) and scheme fees set by the card networks, plus FMPay’s clearly defined margin.

Pros

Maximum transparency, lowest cost at scale, especially for domestic payments

Cons

Higher operational complexity, may require an internal finance team

Best match

Your transaction volumes are high or growing, your core traffic is predominantly domestic, and you want your pricing to reflect actual transaction costs.

Monthly fee formula

Interchange (0.20% – 1.80%) +

It depends on whether the card is debit or credit, and whether the transaction is domestic or international

Scheme fee (0.02% – 0.65%) +

FMPay margin (% or fixed fee) * transaction amount

Validate model fit

Flat-rate (Blended)

Interchange, scheme fees, and margin are combined into a unified per-transaction rate for unified calculations.

Pros

Stable and predictable costs that are easy to budget

Cons

Higher average cost for low-cost domestic transactions

Best match

Your transaction mix includes a meaningful share of cross-border payments, and you prefer predictable pricing without month-to-month variability.

Monthly fee formula

(%), (fixed fee) or (% + fixed fee) per transaction * transaction amount

Validate model fit

Fixed monthly fee

A predefined monthly fee covering payment processing, independent of transaction volume fluctuations within an agreed range.

Pros

Maximum cost predictability and minimal operational overhead

Cons

Less granular transaction-level visibility compared to IC++ and blended models.

Best match

Your transaction volumes are very high and variable, and operational simplicity and predictable monthly costs are a priority.

Monthly fee formula

Fixed fee (for an agreed transaction volume range)

Validate model fit

Learn more about our partner offerings

For digital merchants

For fintechs

Partner engagement models

Monetise your network and client acquisition strengths, independently of how deeply you integrate with us or how much responsibility you take for merchant transactions.

One-time merchant activation bonuses

Partners earn bonuses for successfully activating merchants, typically tied to onboarding milestones, go-live events, or initial transaction volumes.

Best for:

Merchant service agents

Independent Software Vendors (ISVs)

Residuals (profit-share)

Partners receive monthly profit-share commissions (50/50) based on the processing margin generated by their merchants structured as IC++, blended pricing, or another model.

Best for:

Independent sales organizations (ISOs)

Recurring referral commissions

Partners receive a fixed referral fee for introducing merchants or strategic partners, without being involved in acquiring, onboarding, or ongoing operations.

Best for:

Consultants

Advisors

Agencies

Industry connectors

Fintech service providers

Margin-based model

Partners operate on a wholesale buy-rate (IC++ or blended) and set their own commercial terms with merchants, retaining the margin they generate. This model provides maximum commercial control.

Best for:

ISOs

Payment facilitators (payfacs)

Payment service providers

Orchestrators

Performance-based rebates

Rewarding partners for building high-quality merchant portfolios. Rebates are tied to partner-controlled metrics such as aggregated risk score, fraud and chargeback levels, merchant data quality, and portfolio stability.

Additional products to round out your business suite

Enable merchant self-onboarding

Use our partner module, seamlessly embedded into your client-facing interfaces, to enable semi-automated KYC and CDD with minimal involvement from your team, completing underwriting within one business day.

Contact us

Get a full-featured white-label payment gateway

Our IT partners will provide you with a fully managed multi-tenant cloud product, compatible with our platform, enabling seamless end-to-end operations in merchant servicing.

Contact us

Learn more about our partner offerings

For agents and ISOs

For payment providers

For referral partners