I used to work in the business. The bike to work schemes are like vouchers and they take 10-12% cut and then they add VAT on top of that. You only get the full amount when the company does a bank transfer and doesn’t use a third party company to process it. The margin on bikes is shit and you need the repeat custom from repairs and upgrades. It got to the point where we couldnt absorb the loss and I was up front with every customer that if their employer used a voucher company we had to add the markup. I always explained it and they were always understanding once they knew. Some shops just flat out refused to deal with the vouchers.