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Why this matters for golf clubs
Fees roll on for years
Contracts often auto-renew without a proper benchmark or audit.
Small % add up
Differences add up quickly across bar, pro shop, visitors & events.
Focused on Golf
Most clubs are busy running golf not auditing processor pricing.
Three outcomes — you choose
1. Stay
Keep your provider. If the benchmark shows you're competitive, you get peace of mind.
2. Negotiate
Use the benchmark data to improve terms with your current supplier.
3. Switch
If it stacks up, VPP secures new terms & supports the move perfectly.
“A simple fee check, so you know you’re getting a fair deal."
Calculate your own Payment Fees Scorecard
A fast self-check to estimate monthly variable fees and compare your effective rate against a turnover band benchmark.
Meet someone who knows Scottish golf — and card processing
Ross is happy to share his knowledge and demystify closed-loop payments and Amex costs, compare blended vs cost-plus pricing, explain payment rails, and show when
pay-by-link or Dynamic Currency Conversion helps—or quietly costs you.
How to use it (takes 60 seconds)
1
Enter your average monthly CTO
Exclude any Clear accept turnover .
2
Review your Estimate monthly fees
Also note your Estimated Blended Rate.
3
Calculate & Score
Use your actual costs and benchmark with our traffic Light Guide .
Traffic Light Guide
GREEN: Under 80% of benchmark
Healthy & Competitive
AMBER: 80% – 115%
Worth questioning
RED: Over 115%
High — benchmark this immediately
Frequently asked questions
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