Across five core sectors, retail, travel, charity, hospitality and sport, the same pattern repeats itself over time.
What starts as a competitive agreement gradually becomes less so, often without clear visibility on when or why that shift happened.
This is exactly what we’ve seen across more than 3,000 organisations reviewed to date.
The process to address it is not complex:
✔️ Understand the current cost structure
✔️ Benchmark against real market data
✔️ Decide whether to renegotiate or change
In practice, many organisations retain their provider, but on terms that are more aligned to current market conditions.
That approach alone has contributed to over £600 million in recurring savings.
It is not about disruption, it is about clarity.
And in an area as opaque as payments, clarity is often where the biggest gains sit.
For finance leaders, it comes back to one point:
Is this an area being actively reviewed, or simply left as is?
