Card Schemes compete by offering innovative payment methods to their members, making their offers more attractive.

These payment methods also have an impact on the merchant community, Point of Sale and payment system vendors. When relationships with merchants are limited and managed via issuing and acquiring banks, Card Schemes can face technical and political blocks when trying to trial, pilot or implement a new solution.

Polar Moment has strong relationships with tier 1 retailers across the UK, as well as international and eCommerce merchants. We understand the challenges facing these organisations, their business drivers and how their payment systems work. We are experts in the leading products used within the retail community, including systems from S1 (Postilion), Alaric and The Logic Group. Our in-depth experience of the market enables us to help you assess the impact of a new scheme on the merchant community and remove the obstacles that slow down implementation.

We will work with you to develop solutions that will enhance your products and increase merchant adoption rates. We are able to support trials, pilots and rollouts with both software solutions and live card processing.

We are independent from any acquiring bank or merchant. As such, our only aim is to support your product or solution. Our consultants have an excellent track record in supporting schemes with new product adoption.

Members of the Polar Moment team played key roles in the implementation and adoption of EMV within the UK retail community. Our consultants also worked with VISA and Royal Bank of Scotland to introduce the World’s first integrated retail EMV system.