Independent Payments Consultancy · Offices — London & Dubai Become a referral partner →
For UK hospitality & retail groups

The smarter way to review card processing costs

We use our proprietary AI tool to audit, benchmark, and advise whether to stay, switch, or renegotiate. At no cost to you.

Upload a Statement How the audit works

200+ satisfied clients · independent & fee-free to merchants

A FEW OF THE BUSINESSES WE WORK WITH
La Petite Poissonnerie Trafalgar Tavern L'ETO Caffe Provenance Village Butcher Two Magpies Bakery
A PAX A920Pro card payment terminal showing a contactless prompt and the Modular Consultancy logo.
Payment experts
Independent
Market benchmark
No fee
  • Statement analysis
  • Provider comparison
  • Hardware & integration review
  • Managed deployment
  • Expert-level support
£15M+
Savings identified
200+
Existing clients
89%
Customer retention
01 / 02
01 / The Process

Statement to switch in five easy steps.

A clear five step process from statement to switch — built to remove guesswork and give you back time.

1
Upload
2
Audit
3
Benchmark
4
Report
5
Switch
1
Upload
Send us a recent merchant statement and your business details.
10 minutes of your time

If the numbers say stay where you are, the audit ends there. No follow-up campaign, no pressure.

02 / 02
02 / Transparency

Independent advice. Transparent service.

We analyse your position, compare the market, explain the trade-offs, and stay involved. It costs you nothing.

Step 01 · The adviser
Modular
Independent

We benchmark your statement against the UK market and advise — not tied to any single provider.

Step 02 · You
You
£0

You choose a provider and deploy. Our advice and the audit cost you nothing — ever.

Step 03 · The partner
Payment partner
Fee

Our fee is paid by the payment partner and fully disclosed to you — like a mortgage broker.

Like a mortgage broker — our fees come from the payment partner, never from you.

Testimonials
In their words

Operators who switched,
and never looked back.

£27k per annum saving
01 / 02

“We saved over £27k annually and retained our existing EPOS integration.”

Steve Magnell
Founder, Two Magpies Bakery Group
9% annual saving
02 / 02

“We reduced our annual payment costs by 9% without changing provider.”

Struan Robertson
Founder, Provenance Village Butcher Group
No obligation · No pressure

Ready for a payment market review?

We use our proprietary AI tool to audit, benchmark, and advise whether to stay, switch, or renegotiate. At no cost to you.

Upload a statement
A navy bank card with a gold chip floating above a card-payment terminal reading tap to pay.
Price increases
Premium card fees
Hidden fees
PCI compliance fee