Independent Payments Consultancy

Smarter Payments.
Lower Costs.
Higher Approvals.

We help mid-market and enterprise merchants optimise every layer of their payment stack — from card processing and routing strategy to orchestration and cascading — unlocking measurable cost savings and approval rate improvements.

Start Saving Today Calculate Your Savings ↓
0%
Average Approval Rate Lift
0%
Average Cost Reduction
0+
Payment Partners & PSPs
Auth Rate — This Month
94.2%
▲ +6.8pp vs. previous PSP
Processing Cost per Txn
$0.18
▼ Saved $0.09 per transaction
Monthly Saving (Annualised)
$340K
▲ Post-optimisation
Card Processing Optimisation ◆ Payment Orchestration ◆ Smart Cascading ◆ Low Cost Routing ◆ PSP Selection & Negotiation ◆ Chargeback Reduction ◆ Approval Rate Improvement ◆ Interchange Optimisation ◆ Corporate Banking Advisory ◆ Card Processing Optimisation ◆ Payment Orchestration ◆ Smart Cascading ◆ Low Cost Routing ◆ PSP Selection & Negotiation ◆ Chargeback Reduction ◆ Approval Rate Improvement ◆ Interchange Optimisation ◆ Corporate Banking Advisory ◆
What We Do

End-to-End Payments Expertise

From first-look audits to full-stack implementation — we cover every part of the payment journey that affects your bottom line.

💳

Card Processing

Independent advice on acquiring strategy — helping you select the right processors, negotiate the best rates, and structure your merchant agreements correctly.

  • PSP selection & benchmarking
  • Rate negotiation & contract review
  • Interchange optimisation (IC++ & blended)
  • Scheme fee analysis
  • Multi-acquirer strategy
🔀

Payment Orchestration

Design and implementation of orchestration layers that give you full control over how transactions are routed across multiple PSPs and payment methods.

  • Orchestration platform selection
  • Multi-PSP integration strategy
  • Tokenisation & vault consolidation
  • Intelligent retry logic
  • Reporting & reconciliation unification
⚡

Smart Cascading

Maximise approval rates by automatically cascading declined transactions to alternative processors — recovering revenue that would otherwise be lost.

  • Cascade rule design & logic
  • Decline reason analysis
  • Secondary PSP configuration
  • Soft decline recovery strategies
  • Performance monitoring & tuning
📉

Low Cost Routing

Implement intelligent routing rules that direct each transaction to the lowest-cost processing path without compromising approval rates.

  • Cost-based routing logic
  • Least-cost routing analysis
  • Debit vs credit card routing
  • Domestic vs cross-border routing
  • Network token & MOTO optimisation
🛡️

Fraud & Chargeback Management

Protect revenue with a layered approach to fraud prevention and chargeback management — without over-blocking good transactions.

  • Fraud tooling selection & setup
  • RDR, Verifi & Ethoca configuration
  • 3DS strategy & exemption logic
  • Chargeback root cause analysis
  • Dispute management workflows
🏦

Corporate Banking & Treasury

Advisory support for merchant banking relationships, treasury management, and settlement optimisation — ensuring your funds flow efficiently.

  • Merchant banking account setup
  • Settlement & FX optimisation
  • Banking relationship management
  • Multi-currency accounts strategy
  • Cash flow & float management
Why Cashflow Consulting

Independent. Experienced.
Results-Driven.

We're not tied to any PSP or vendor — our only loyalty is to your business outcomes.

Independent Advisors IC++ Experts Multi-PSP UK & Global Subscription Commerce Enterprise Scale
🎯
Zero Vendor Bias
As a truly independent consultancy, we give you unbiased recommendations — not ones driven by referral fees or partnerships.
🔍
Deep Technical Expertise
From interchange categories to 3DS exemption logic, our knowledge goes far beyond surface-level advice.
📊
Data-Led Recommendations
Every recommendation is backed by analysis of your actual transaction data — not generic industry benchmarks.
⚙️
End-to-End Delivery
We don't just advise — we help implement, from technical integration to commercial negotiation.
💰
Up to 30%
Reduction in processing costs achievable through rate optimisation and routing
📈
Up to 8pp
Approval rate improvement through cascading and retry strategy
⏱️
30 Days
Typical time to first measurable results from engagement start
🌍
50+
Payment providers, networks and platforms in our active partner ecosystem
Nick Banerjee – Founder, Cashflow Consulting
Nick Banerjee
Founder & Principal Consultant
Payments Strategy PSP Negotiations Orchestration Corporate Banking UK & Europe
About

Payments expertise,
without the bias.

Cashflow Consulting was founded to give merchants the kind of payments expertise that's usually only available inside the largest enterprise businesses.

Led by Nick Banerjee, Cashflow Consulting brings deep, hands-on experience across the full payment stack — from acquiring and processing to orchestration, fraud management and corporate banking. Having worked closely with major PSPs, processors and payment platforms, Nick understands both the commercial and technical sides of payments in a way most advisors don't.

We work with mid-market and enterprise merchants across subscription commerce, e-commerce and digital services — helping them cut costs, improve approval rates and build payment infrastructure that scales. Our approach is always independent, always data-driven, and always focussed on your commercial outcomes.

Company NameCashflow Consulting Ltd
Company Number14656198
Incorporated11 February 2023
Registered Address8 Tysoe Close, Wootton, Bedford, MK43 9FY
Websitecashflowpayments.co.uk
ROI Calculator

Estimate Your Savings

Enter your current payment setup details to see the potential impact of an optimised payments strategy.

#
$
2.20%
75.0%
Estimated Annual Saving
$0
On processing costs alone
Projected New Rate
0.00%
Blended optimised rate
Approval Rate Uplift
+0pp
Via cascading & retry
Recovered Revenue (Monthly)
$0
From declined txn recovery
Annual Processing Volume
$0
Based on your inputs
Est. ROI (First Year)
0×
vs. consultancy investment
* Estimates are illustrative. Actual results depend on your specific payment mix, PSP setup and transaction profile. Contact us for a detailed analysis.
Get a Free Detailed Analysis →
Insights

Payments intelligence,
straight from the source.

Practical guides on pricing, orchestration and merchant strategy — because most payment content is either vendor-sponsored or wrong.

Pricing

How IC++ Pricing Actually Works — And Why Most Merchants Are Overpaying

IC++ is the most transparent pricing model in payments. It's also the most misunderstood. Here's what every merchant should know before they sign.

Read article →
7 min read
Orchestration

Do You Actually Need a Payment Orchestrator?

Orchestration platforms promise higher approval rates, lower costs and resilience. But they're not right for every business. This is how to decide.

Read article →
6 min read
Approval Rates

The Real Cost of a High Decline Rate (It's Bigger Than You Think)

Most merchants focus on processing fees. The ones who win focus on decline rates. We run the numbers on what a 5% false decline rate actually costs you annually.

Read article →
5 min read
Strategy

How to Run a PSP RFP That Gets You Better Terms

Most merchants never run a competitive PSP review — and their acquirer knows it. A structured RFP process typically unlocks 15–30% savings without switching provider.

Read article →
8 min read
Get in Touch

Let's Talk Payments

Whether you're looking to benchmark your current setup, reduce costs, or completely re-architect your payment stack — we'd love to hear from you.

✉️
Email
nick@cashflowpayments.co.uk
🌐
Website
cashflowpayments.co.uk
📍
Registered Office
8 Tysoe Close, Wootton
Bedford, MK43 9FY
🏢
Company
Cashflow Consulting Ltd
Reg. No. 14656198
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