Merchants Partners About Careers Send a Statement

We started Ribeiro Partners because most merchants can't read their own statement — and the industry profits from that.

Card processing is one of the largest recurring expense lines for any business that takes card payments. It's also one of the least understood. We built a firm specifically to fix that.

The merchant acquiring industry has a structural problem: the people pricing the contracts are the ones who profit from how complex they are. Statement formats are designed to obscure effective rates. Surcharges get added quietly. Tier definitions shift. Most business owners trust their original quote, never look at the statement, and assume the rate they remember is the rate they're paying.

Almost every merchant we analyze is paying meaningfully more than they should — usually because they signed a contract years ago and never had a reason to revisit it.

We built Ribeiro Partners to operate as a counterweight to that. Our entire business is structured around a single deliverable: a clean, line-by-line analysis of an existing merchant statement, presented in language the business owner can actually understand, with concrete next steps if the numbers warrant a switch.

We don't lead with a sales pitch. We lead with the merchant's own numbers. The conversation either continues from there, or it doesn't — and we're comfortable with both outcomes. About 12% of the merchants we analyze are on competitive contracts. We tell them to stay where they are. The other 88% have meaningful savings on the table, and we offer a path to capture them.

Our processor partners pay us when a merchant moves to their platform. The merchant pays nothing — not for the analysis, not for the consulting, not for the migration. The economics work because the savings we identify dwarf the referral fees we earn, and the partners we work with prefer informed merchants over generic leads.

We focus on Ireland, the Netherlands, and Benelux because these markets have a high concentration of legacy bank-distributed contracts, low penetration of modern processor outbound, and merchant cultures that respond well to a structured, evidence-based pitch over a high-pressure rate quote.

DR

Dylan Ribeiro

Founder & Managing Partner

Background in B2B SaaS sales and outbound team operations. Built and managed commission-based sales organizations across telecom and payment services. Founded Ribeiro Partners to apply structured outbound methodology to a sector still dominated by relationship-based broker selling.

Based in Mississauga, Ontario. Operating across UK, Ireland, and continental Europe.

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How we operate

Four principles we don't compromise on.

Statement first, pitch second.

We don't quote rates over the phone. We don't make claims we can't back with the merchant's own numbers. Every conversation starts with a real statement and a real analysis — or it doesn't start.

If the math doesn't work, we say so.

About one in eight merchants we analyze is on a fair contract already. We tell them. We'd rather have a reputation for honesty than a marginally better conversion rate.

Multiple processors, one merchant interest.

We're authorized partners across eight processors. The right partner for any given merchant depends on volume, transaction mix, vertical, and growth. We match merchants to fit, not to our convenience.

The merchant never pays us.

No analysis fees. No consulting fees. No setup fees. Our processor partners compensate us when a merchant moves to their platform. If the merchant doesn't move, no one is out anything.

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