## Sales Call Transcript — Nexus Dynamics

**Agent:** S. King
**Date:** 2026-03-28 11:45
**Duration:** 14 minutes
**Deal Stage:** Negotiating
**Expected TPV:** €31697/month

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[00:00] Agent: Good morning, this is [Agent] from Lumina Pay. Am I speaking with the owner of Nexus Dynamics?

[00:12] Merchant: Yes, hi. I've been looking at your payment solutions. We currently use OTP and we're paying 0.65% blended rate. What can you offer?

[00:28] Agent: Thanks for sharing that. Can I ask about your current setup? How many terminals do you have and what's your approximate monthly card volume?

[00:40] Merchant: We have 3 terminals across 2 locations. Monthly volume is around €13211. Mostly card-present, maybe 15% online orders through our website.

[01:05] Agent: That's helpful. For your volume and mix, we could look at a rate of 0.89% for card-present and 1.2% for e-commerce. We also offer DCC which could generate additional revenue for you — typically €200-400 per month for your volume with tourist traffic.

[01:30] Merchant: 0.89% is higher than what I'm paying now. OTP offered to renew at 0.65%. Why should I switch?

[02:00] Agent: Good question. A few things to consider. First, our terminals include tap-to-pay and Apple Pay which OTP doesn't support well in your market. Second, the DCC revenue would effectively bring your net rate below 0.65%. Third, we include next-business-day settlement — OTP settles T+3 for your account type.

[02:45] Merchant: The settlement speed is interesting. We sometimes have cash flow issues waiting for OTP to settle. What about the e-commerce gateway?

[03:10] Agent: We provide a full gateway with plugins for your website platform. Setup is included. No monthly gateway fee for the first 6 months.

[03:35] Merchant: OK, I'm interested but I need to think about it. Can you send me a formal proposal? I also want to check with my accountant about the DCC implications.

[04:00] Agent: Absolutely. I'll email the proposal today. Can I follow up on Wednesday?

[04:15] Merchant: Make it Friday. I'm busy mid-week.

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**Notes:** Merchant interested but price-sensitive. Competitor OTP at 0.65% blended. Key selling points: DCC revenue offset, faster settlement (T+1 vs T+3), e-commerce gateway included. Follow-up scheduled Friday 2026-04-03. Need to prepare DCC revenue estimate and competitive comparison.

**Action items:**
1. Send formal proposal by EOD
2. Prepare DCC revenue calculator for merchant's volume
3. Follow up Friday 2026-04-03
4. Add competitor "OTP" and rate "0.65%" to deal card
5. Check if DCC is available for Nexus Dynamics's MCC (5411)