“As a newer provider, Banking Circle has a much more open approach to ways of working, with APIs, the right service levels and reporting in place, compared to that of many of the traditional banks. Our merchants don’t really spend much time thinking about who we use as a banking partner, they just want us to be able to fund them in time and with the least cost. Banking Circle meets this need, but the real differentiator is that while payment queries, in the case of a very large bank, can take five to ten days to process, with Banking Circle, we generally get answers within 24 to 48 hours. That’s really something positive for us as an Organisation.”