Ribeiro Partners runs a structured statement-analysis program for European businesses. We read your existing merchant agreement, identify what you're being charged and why, and match you to a processor that's actually priced for your volume.
Merchant statements are designed to be unreadable. Effective rates get hidden behind interchange categories, scheme fees, monthly minimums, PCI surcharges, and authorisation fees that don't appear on the headline rate.
Most business owners signed their contract years ago, never renegotiated, and assume the rate they remember is the rate they're paying. It almost never is.
We built our analysis to surface every line. The conversation starts from the same numbers — yours.
We've reduced the entire process to something you can do during a coffee break.
Email us your most recent processing statement, or upload it through the merchant portal. Any provider, any format. We read statements from every major European acquirer, bank-distributed merchant services program, and modern PSP.
Within twelve minutes during business hours, you receive a personalized comparison. Every fee on your current statement, line by line. Every alternative we'd recommend, with year-1 and year-3 projections based on your actual volume.
If the numbers don't work for you, throw them away. If they do, we coordinate the switch — paperwork, terminal logistics, settlement transition. Most merchants are processing on the new rate within ten business days.
Real anonymized analyses from the last quarter. Industries vary. Volumes vary. The pattern doesn't.
The merchant acquiring industry is built on confusion. Most brokers profit when you don't fully understand what you're being charged. We profit when you do — because the numbers speak for themselves.
We're authorized partners across eight processors and acquirers. We're never trying to fit you to one product — we're matching you to the one that actually fits your volume profile.
The conversation starts with your statement, not our pitch. Until we've read your actual fees, we have nothing useful to say.
Our processor partners pay us. You don't. There's no analysis fee, no consulting fee, no setup fee, and no penalty if you decide to stay where you are.
We focus on Ireland, the Netherlands, and Benelux. We know the dominant processors in each market, the legacy contract patterns, and the local interchange dynamics.
Send us your most recent processing statement. We'll read it, analyze it, and send back a personalized comparison. If the numbers don't work, the conversation ends there. No pitch deck, no sales follow-up, no obligation.
Send a Statement →