Most small businesses assume they should always be looking for a better deal. Cheaper rates, newer hardware, a different provider. But that mindset can lead to unnecessary changes that add complexity without delivering real value.

At Omnigo, there are times when the most honest advice we give is simple: you’re in a good place right now, and switching wouldn’t meaningfully improve anything.

This article explains why that’s sometimes the right call (and when it actually makes sense to revisit the conversation).

When your current setup is already working

In many cases, small businesses come to us having already achieved strong commercial terms. Their pricing is competitive, their setup works, and any potential saving from switching would be marginal.

In this situation, changing supplier often creates more disruption than benefit. New contracts, new hardware, new processes, and new learning curves, all for very little upside.

If your payments are reliable, your costs are under control and your day-to-day operation runs smoothly, there is no strong reason to move.

Why we don’t recommend change without a clear reason

We don’t suggest switching providers unless there are compelling reasons to do so. Those reasons are rarely about headline pricing alone.

A change only makes sense when something material shifts, for example:

• Your transaction volumes increase significantly

• Operational issues start affecting service

• Reliability becomes critical during peak trading

• Cashflow timing matters more as you scale

• Your current provider can’t support how the business is evolving

Until one of those pressures appears, staying put is often the most sensible decision.

Pricing advantage can be marginal

One of the most misunderstood parts of payments is perceived savings. Businesses are often quoted slightly lower rates elsewhere, but when you factor in the effort, risk, and disruption of switching, the real advantage disappears.

If you’ve achieved competitive terms already, the incremental gain from changing supplier may be negligible. That’s why we’re upfront about it.

Right now, you may have achieved exceptional terms. The price advantage of moving is marginal. In that scenario, the correct advice is to pause, not push for change.

The right time to talk again

The conversation becomes valuable when the business changes.

When volumes grow, when systems are under strain, when reliability issues start costing you time or money, that’s the point where reviewing your setup makes sense. Not before.

At that stage, the focus shifts from “can I save a fraction of a percent” to “can my payments keep up with how I operate”.

Our approach

We’re not here to force switches. We’re here to make sure payment infrastructure supports the business properly, at the right stage.

Sometimes that means recommending a change. Other times, it means saying: stay exactly where you are, and let’s talk again when there’s a genuine reason.

That honesty is how long-term partnerships are built.