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Most merchants negotiate acquiring by pushing on the headline percentage. With blended pricing, most of that percentage can’t move. Interchange is set by the card schemes and paid to the bank that issued your customer’s card. Scheme fees are set by the schemes and paid to them. Both are passed through at cost. What’s left is your acquirer’s markup. That’s what the negotiation is actually about, whether or not anyone names it. Two pricing models. Blended gives you one number. Interchange-plus shows the pass-through costs and the markup separately, so you can see the part that’s negotiable. Worth knowing which one you’re on before the next renewal. Services in the UK are provided by MONELIQ LIMITED, authorised and regulated by the Financial Conduct Authority

The merchant category code is assigned at onboarding, describes what a business sells, and then governs a large part of the commercial relationship that follows. It influences the risk tier. It influences pricing. It influences interchange. In some categories it determines whether an application gets read past the first screen. The code is chosen by a person who has usually never spoken to the business, based on a form. It can be wrong, and a wrong code costs money every month until someone notices. Most merchants have never asked what theirs is. It is one of the shorter conversations worth having with a provider. Services in the UK are provided by MONELIQ LIMITED, authorised and regulated by the Financial Conduct Authority (FRN: 901056). Services in the European Economic Area (EEA) are provided by Moneliq Europe SIA, authorised and regulated by Latvijas Banka (Licence No: 27-55/2026/1). Has anyone ever told you which MCC your business was assigned? #Moneliq #Acquiring #Merchants #Interchange #Payments

Onboarding at a regulated provider takes as long as the slowest missing document. The checks themselves are rarely the bottleneck. The list is predictable: incorporation and ownership documents, director identification and proof of address, a clear description of the business model and the goods or services sold, processing history where it exists, and the live website or checkout flow. Businesses that prepare that pack before applying tend to describe the process as fast. Businesses that assemble it during the process tend to describe it as slow. Same process, different starting point. Services in the UK are provided by MONELIQ LIMITED, authorised and regulated by the Financial Conduct Authority (FRN: 901056). Services in the European Economic Area (EEA) are provided by Moneliq Europe SIA, authorised and regulated by Latvijas Banka (Licence No: 27-55/2026/1). What held up your last provider application? #Moneliq #Onboarding #Compliance #Merchants #FinanceOps

MONELIQ LIMITED is authorised by the Financial Conduct Authority as an Electronic Money Institution, reference number 901056. That entry is public. Publishing the number is not a marketing decision. It removes the need to take anyone's word for anything, including ours, and it takes about two minutes on the register. The same check works on any provider you are currently evaluating. It is worth running before the commercial conversation, not after. Services in the UK are provided by MONELIQ LIMITED, authorised and regulated by the Financial Conduct Authority (FRN: 901056). Services in the European Economic Area (EEA) are provided by Moneliq Europe SIA, authorised and regulated by Latvijas Banka (Licence No: 27-55/2026/1). Do you check the register before onboarding a financial provider? #Moneliq #FCA #Regulation #DueDiligence #Payments

Meet the MONELIQ team at White & Private Label EXPO in London! 🇬🇧🚀 📍 ExCeL London | Stand S680 🗓 11–12 November 2026 This international exhibition brings together businesses from a wide range of industries, and we’re excited to introduce MONELIQ’s payment solutions: ☑️ Personal and business accounts — payments, transfers and transactions in multiple currencies. ☑️ Online payment acceptance — Visa, Mastercard, Apple Pay and Google Pay. ☑️ Open Banking — connect accounts from other banks and manage your finances in one place. Looking for a reliable payment infrastructure partner? Visit our stand to meet the team and discover how MONELIQ can support your business! 🤝📈 #MONELIQ #WhiteLabelExpo #PrivateLabel #London #FinTech #PaymentSolutions #BusinessBanking #MultiCurrencyAccounts #OnlinePayments #OpenBanking #Ecommerce

Nobody hired a finance lead to spend the last week of every month matching line items. But that is what multi-currency operations produce by default. Revenue arrives in different currencies, at different timings, with conversion entries generated by whoever processed each transfer. The reconciliation workload grows with the number of markets a business serves, not with the size of the business itself, which is why it outpaces headcount. The fix sits upstream. Holding currencies instead of converting them removes a category of entries before they exist, which shortens the close rather than speeding up the matching. Moneliq provides multi-currency accounts with GBP and EUR details, and support for SEPA, SWIFT, FPS and CHAPS. Services in the UK are provided by MONELIQ LIMITED, authorised and regulated by the Financial Conduct Authority (FRN: 901056). Services in the European Economic Area (EEA) are provided by Moneliq Europe SIA, authorised and regulated by Latvijas Banka (Licence No: 27-55/2026/1). What part of the close would you automate first if you could pick one? #Moneliq #FinanceOps #MultiCurrency #Payments #CashFlow