Split a share of turnover without an acquirer holdback
MCA repayment is a percentage of what the business takes, collected little and often. Tie that to a card acquirer's holdback and you are locked to one processor and one view of turnover. Commercial VRP collects the split directly from the business account.
The split should not depend on the acquirer
A merchant cash advance repays as a share of turnover, collected daily or weekly. The traditional way to do that is a holdback at the card acquirer: a slice of every card settlement is retained.
That ties the advance to one acquirer and to card turnover specifically, ignoring the cash, bank transfer and other income the business takes, and locking both of you to that processor's terms and timing.
It also splits the view: the acquirer sees the holdback, you see the advance, and reconciling the true repayment against the real turnover is awkward.
The payment mix that fits
Not one rail. The two to four that match how money actually moves here.
Collect a variable share directly from the business account each cycle, within a limit the merchant sets, independent of any acquirer.
Hold and reconcile each advance against the merchant, segregated and referenced.
Pay the advance out the same day on approval.
Your flow of funds, orchestrated
The advance is paid out over Faster Payments. Repayment collects over commercial VRP as a variable share of turnover, taken directly from the merchant's business account within a limit they authorised, independent of any card acquirer. Each advance and its collections reconcile against the merchant in a settlement account on one ledger, so the true repayment against real turnover is always visible.
Every book moves money differently. We map your flow of funds and quote one integration across the rails that fit.
Related
Payments for merchant cash advance: FAQs
Over commercial VRP, taken directly from the merchant's business account as a variable share within a limit they set, so repayment follows real turnover rather than one acquirer's card settlement.
No. Collecting over commercial VRP is independent of any acquirer, so the advance is not tied to a single processor's terms or timing.
Yes, each advance reconciles against the merchant in a settlement account on one ledger, so the true position is clear.
Tell us how you get paid
Send us the mix of payments you take and make, and we will quote one integration across the rails that fit, priced on your volume.