"Fireworks are about as high-risk as online retail gets. We're seasonal, order values are high, and the card schemes treat the whole category with suspicion. When we moved to Shopify all we wanted was what every other shop has, Apple Pay and Google Pay at checkout, and it turned out to be one of the hardest things we've ever tried to buy. Big-name providers quoted us clever checkout systems that were 'days away' and never turned up.

Nick sorted it. Not with a magic system, with graft and knowledge. He understands card payments inside out, high-risk categories included, and he can explain in plain English what's actually going on and what he's doing about it. A high-risk business throws up constant curveballs, fraud attempts, chargebacks, the odd awkward card scheme, and in three years there hasn't been one he couldn't handle. I've emailed him on a Sunday afternoon and had an answer that afternoon. Honestly, I can't praise him enough. Anyone can quote you a rate. Nick picks up, knows the answer, and gets it done."