FBC Wilmington Group

Margins are tight for everyone right now – I was at 2.9–3.4% effective with my old provider and it was eating profits. Moved to one that specializes in straightforward card acquiring for e-commerce. They offer Interchange++ pricing so you see exactly what’s going to the card schemes, and for standard EU consumer cards I’m averaging 1.3–1.7% + €0.20–€0.25 fixed depending on volume. Settlements are daily once you’re established (no long rolling reserves after initial period), and their 3D Secure + fraud screening is solid without blocking legit orders. Onboarding took about a week with standard KYC docs. I started with https://www.fenige.com/products/card-payments – their card payments page lists the options clearly, and support walked me through the pricing model without fluff. If your shop is card-heavy and mostly domestic EU, the savings add up fast. Definitely compare a quote if you’re unhappy with current rates.