Merchant services
The last step of the funnel is the one that takes the money.
We spend most of our time making the phone ring and the form fill. Payments are the step immediately after, and when they sit in a different system from everything else, the join is where reporting breaks and revenue goes uncounted.
Why a marketing agency touches this at all.
Because we already build the checkout, the invoice, the booking and the CRM record behind it. When payments run through the same system, three things stop being guesswork: which campaign produced the revenue rather than just the lead, what a customer is actually worth over time, and whether the cost per acquisition you are reporting bears any relationship to profit.
If your payments live somewhere disconnected, we can still do good marketing. We just cannot tell you as precisely what it earned.
Where this connects. Payments feed web analytics and CPA to LTV. That is the reason it sits on this list rather than being a separate business.
What it covers.
Payments inside your CRM
Invoices, subscriptions, deposits and checkouts that create a record against the contact rather than living in a separate portal nobody reconciles.
Revenue attribution
Transactions tied back to the campaign, keyword or channel that produced them, so your reporting ends in money rather than in form fills.
Recurring billing
For businesses selling plans, memberships or maintenance agreements, with failed payment recovery handled in the same automation stack as everything else.
Checkout conversion
The checkout is a conversion surface like any other page, and it is usually the least optimised one in the business.
How we talk about rates.
Processing rates are quoted per business, because they depend on your card mix, your average transaction, your volume and your industry. Anyone publishing a single headline rate is quoting the best case and will requote you after underwriting.
What we will do is show you your current effective rate, which is the only number that matters and which almost nobody knows. It is total fees divided by total volume, and it is usually higher than the rate people believe they are on. If we cannot beat it, we will tell you that rather than move you for the sake of it.
We are not a bank and we do not provide financial or legal advice. Underwriting, approval and the terms of any processing agreement sit with the provider.
Questions people actually ask.
What is an effective rate?
Every fee you paid last month divided by everything you processed. It captures the per-transaction fees, the monthly fees, the downgrades and the extras that a quoted headline rate leaves out. It is the only fair way to compare two processors.
Do I have to switch processors to work with you on marketing?
No. Payments are a separate decision and we are happy to do the marketing either way. The reporting is simply tighter when the systems are joined.
Do you mark up processing?
Our marketing pricing is flat monthly fees and never a percentage of your spend, and we apply the same thinking here. Ask us directly how we are compensated on any payments arrangement and we will tell you plainly.
Can you handle high risk industries?
Sometimes, and it depends entirely on the underwriting. Rather than promise, we will find out early, because being declined after you have switched everything over is the worst version of this.
Who owns the merchant account?
You do. It is underwritten in your business name. That is the same principle we apply to your website, your ad accounts and your CRM.
Know what you are actually paying to take a card?
Send us a recent statement and we will work out your effective rate, whether or not you change anything.