Independent Payments Consultancy · Offices — London & Dubai Become a referral partner
Services

A complete payment system optimisation service.

From analysis to deployment — and beyond. We work end to end: understand your costs, test the market, fit the right hardware, and stay involved after the switch.

A cream and gold card terminal with a gold card, reading tap to pay.
Payment consultancy
Finance
Market tender
EPOS & Apps
01 / 03
What we do

Four ways we lower the cost and increase the value of payments.

01Consultancy

Payment Cost Consultancy

Payment fees are deliberately hard to read, which is exactly why overcharging goes unnoticed. We translate your statements into plain numbers, show how your rates stack up against the wider market, and pinpoint precisely what you should be paying.

Upload a statement
02Brokerage

Payment Market Tender

When the numbers say you can do better, we put your business out to tender across our panel of acquirers and processors. You get their strongest offers side by side, the commercial differences explained in plain English, and a clear recommendation — with no obligation to switch.

Upload a statement
03Integration

Payment Integration & Apps

We will review your integration and recommend you either keep your setup and improve the pricing, re-integrate with a new EPOS, or de-integrate where the maths supports it. We’ll also flag whether tipping or loyalty apps — e.g. Payment Loyalty, Zeal, and uRocked — could add value to the business.

Get in touch
04Finance

Partner Finance Introductions

When the right funding would help the business grow — a refit, new equipment, a cash-flow gap — we connect you with carefully chosen partners across merchant cash advance, hospitality, and asset finance, and leave the decision firmly with you.

Get in touch
02 / 03
Why it works

Independent by design.

Advice you can actually trust.

We are not tied to a single acquirer or terminal. Our role is to find the best commercial and operational outcome for your business — and to explain the trade-offs in plain English so the decision stays yours.

  • Whole-of-market tendering, not a single provider
  • Plain-English findings: stay, switch, or renegotiate
  • Partner fees disclosed before any commitment
  • We stay involved after the switch
03 / 03
Who we serve

Multi-site operators who prefer to outsource their payments.

We work best with established merchants processing real card volume across two or more sites: smart operators seeking to strengthen their profit margins.

Evening service at the bar of a busy restaurant.

Hospitality & Hotels

Restaurants, Pubs, Bars, Hotels, Cafés, Bakeries, etc.

Barbers at work inside the Chaps & Co barbershop.

Health & Beauty

Salons, Clinics, Pharmacies, Opticians, Dental Practices, etc.

Butcher preparing cuts behind a specialist meat counter.

Food & Drink

Delis, Butchers, Fishmongers, Wine Merchants, etc.

Boutique window display, three mannequins dressed in warm autumn tones.

Fashion & Retail

Fashion, Jewellery, Homewares, Florists, Pet Shops, etc.

Who gets the most from an audit

  • Physical point-of-sale
    Card terminals on real counters, bars and front desks.
  • 2-50 group locations
    Larger groups by arrangement. i
  • Meaningful card volume
    Enough turnover for the savings to matter.
  • Established trading history
    A brand providers will compete for.
  • UK based only
    We benchmark the UK acquiring market specifically.
i

We also offer bespoke services to Enterprise merchants - please get in touch with us directly.

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.

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