A 30-question RFP framework for extracting comparable quotes from quote-only acquirers (Adyen, Worldpay, Checkout.com, Chase, Elavon, Global Payments, Fiserv). Designed to make like-for-like comparison possible.
Section 1: Merchant profile
Annual GMV, last 12 months.
Average order value, last 12 months.
Monthly volume by channel (online, in-person, MOTO, recurring).
Card mix: debit % / credit % / corporate %.
International card share.
Settlement currencies required.
Local payment methods required (iDEAL, Klarna, Alipay, etc).
Section 2: Rate ask
IC+ margin in bps, separately card-present and card-not-present.
Fixed processing fee per transaction.
Minimum monthly invoice (and trigger threshold).
Cross-border surcharge (separately by region).
FX margin (separately by currency pair).
Local-method per-method pricing.
ACH / SEPA / BACS rate where supported.
Section 3: Contract
Initial contract length and renewal terms.
Early termination fee.
PCI non-compliance fee (and what it costs to attest).
Account-updater fee structure.
Chargeback handling fee separate from network fee.