Builders merchants
Reduce Card Processing Costs for Builders Merchants
We review your current setup and identify where fees, charges and settlement delays may be costing your builders merchant £20k–£50k+ per year.
Used by UK builders merchants and trade suppliers • £2m–£10m+ turnover typical clients
Free Comparison · No obligation · UK-based support · Fast setup
Example: Builders merchant (£5m turnover)
Total identified impact: £40,000+ per year without changing how the business operates.
£18k–£24k
Saved through lower transaction rates across trade counter and phone payments
~£7,500
Returned annually through cashback on supplier and stock purchases
£40k–£60k
Working capital released through faster settlement of card payments
Where builders merchants often overpay
Most builders merchants don’t overpay in one obvious place — it’s usually spread across multiple small areas.
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Higher blended rates on trade counter transactions
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Authorisation fees across high transaction volumes
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Charges on phone payments and remote transactions
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Monthly platform or terminal costs across multiple tills
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Delayed settlement impacting stock purchasing and cashflow
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Pricing structures not reviewed as turnover increases
The hidden opportunity isn’t just lower card fees
For many builders merchants, stock purchasing and supplier payments represent one of the biggest regular cash outflows in the business. When routed through the right business account, that spend can generate an additional return without changing existing buying behaviour.
Builders merchants typically have significant supplier spend on stock, materials and logistics. When routed through the right business account, that spend can generate an additional return on money the business is already spending.
For merchants with regular stock purchasing and operational spend, that can become a meaningful annual figure without changing the way the business operates day to day.
- Stock and supplier spend often represents a significant share of turnover
- 0.5% cashback can create a meaningful annual return
- No need to change existing buying processes
- Works alongside lower card processing costs and faster settlement
Illustrative example
~£7,500
annual cashback potential
Annual turnover
£5,000,000
Estimated supplier spend
30%
Spend routed through account
£1,500,000
Cashback rate
0.5%
That’s money back on existing business spend — separate from any savings on card processing.
Faster settlement improves stock and cashflow
Moving from 2–3 day settlement to near-immediate payout gives builders merchants faster access to cash for stock, suppliers and daily operations.
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Less reliance on overdraft
Reduce short-term borrowing when purchasing stock or managing working capital.
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More flexibility with suppliers
Pay suppliers faster, strengthen relationships or negotiate better commercial terms.
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Stronger working capital position
Keep more cash available in the business for inventory, operations and day-to-day decisions.
Typical impact
£40k–£60k
Working capital released
Based on a £5m builders merchant moving from 2–3 day settlement to near-immediate payout.
This isn’t a saving on paper — it’s cash available to use in the business.
Free review
Upload a recent statement for a free cost comparison
We’ll review your current setup and show where fees, charges and settlement delays may be affecting your builders merchant — with no obligation to switch.
Clear breakdown of card and terminal costs
Review of settlement timing and cashflow impact
Identify savings across trade counter and phone payments
Compare your current setup against better options
Takes under 2 minutes • No obligation • Secure upload