Payments Consultancy

From the largest multinational retailer to the smallest local shop, having a seamless, secure, and cost-effective payment system in place is vital. But with so many choices, regulations, and technologies, navigating the payments industry can be a daunting task. That’s where a payments consultant comes in.

At Polar Moment, we specialise in delivering tailored payments consultancy services to meet the unique needs of businesses across the globe.

Why Choose Polar Moment?

With 20+ years of experience, Polar Moment has established itself as a trusted name in payments consultancy. We’ve worked with world-renowned brands such as WorldPay, Apple, PayPal, and Global Payments. We have a proven track record of successful project delivery and are trusted by leading retailers, banks, and payment processors for our payments consultancy services.

Our Payments Consultancy Services

Mergers and Acquisitions

Navigating mergers in the payments industry requires both sharp business insights and technical know-how. Polar Moment’s team brings decades of experience to every stage—from due diligence and risk assessment to post-merger integration. We’ve successfully managed high-profile projects with clients such as Bain Capital, Advent International, and Worldpay. By blending business acumen with technical expertise, we ensure each merger creates value.

Compliance and Risk Management

Regulatory compliance and risk management are critical in today’s complex financial landscape. Polar Moment helps you navigate regulatory requirements and implement strategies that protect your business. We’ve guided clients such as PivotalPay, supporting them in achieving Authorised Emoney Issuer status, and GoodBox, working with the FCA to ensure online authorisation is not required for charity donations.

Training and Development

Equip your team with industry-leading skills through our payments-focused training programmes. Polar Moment offers customised training on emerging technologies, compliance, and regulatory requirements. Each programme is designed to prepare your team for the evolving demands of the payments industry. Our work includes developing the payments module for Middlesex University’s business school platform, a project that reflects our commitment to knowledge-sharing and education.

Strategic Advisory Services

Polar Moment offers strategic advisory services that drive growth and innovation. Our payment consultants help you spot market trends, assess growth opportunities, and develop strategies to stay competitive. For seven years, we’ve provided a top-five UK supermarket with insights on everything from store operations to “Just Walk Out” technology. Whether you’re integrating new payment solutions or expanding internationally, we’ll help you reach your business goals.

Expert Leadership Team

At Polar Moment, our leadership team is made up of industry veterans with decades of experience in financial services and card payments:

Tim Stratton

Built Retail Logic Ltd into the UK’s leading provider of card payments software, now part of Barclaycard.

John Rozek

A former senior manager at NatWest Streamline and innovations director for Retail Logic.

Paul Deed

Managed procurement card implementations for BP as well as working in development for EDS.

This depth of knowledge and industry leadership ensures that every project we undertake is guided by proven expertise.

Payments Consultancy Case Studies

Polar Moment has built a reputation as a leading payments consultancy, working with a wide range of clients across various sectors. Some of our notable projects include:

Goodbox Case Study

GoodBox started as a social impact startup and is now a successful fintech company, creating bespoke fundraising contactless solutions for charities and not-for-profit...

Bringing electronic payments to a cash-driven industry

Secure, scalable, and cashless: How Polar Moment's AWS-hosted solution transformed gaming payments for Game Payment Technology.

Deployment of payment system at Mi-Pay

Polar Moment has considerable knowledge and expertise of the Postilion solution and has worked with Mi-Pay on a number of projects including the...

Payments Consultancy for Euronet

Polar Moment developed a SEPA-compliant, cross-border payment solution for Euronet Worldwide, a leader in electronic payment services. Our team built a secure, high-volume transaction system that complies with European regulations and can seamlessly handle cross-jurisdictional processing. Completed on time and within budget, this project showcases our ability to tackle complex challenges with precision and expertise. with all relevant European regulations. Our expertise in SEPA compliance allowed us to complete this high-profile project on time and within budget.

Proven Track Record in Payments Consultancy

With offices in the UK and Prague, and a global network of long-term associates, Polar Moment delivers payments consulting services to clients across Europe, the Middle East, and beyond. Our consultants have managed large-scale, business-critical projects for clients including Planet, PivotalPay, and GoodBox. Our clients trust us to handle their most complex challenges and partner with us repeatedly for our exceptional service and results.

At Polar Moment, we prioritise data security and privacy in all our services. We adhere to industry standards and regularly review our practices to keep client information safe. Additionally, we provide transparency around our processes and compliance with regulations to give you confidence in every engagement.

Get In Touch

At Polar Moment, we are committed to delivering payments consultancy and software development services that drive tangible business results. Whether you need strategic advice, technical implementation, or training, our team is here to help. Contact us today to discuss how we can support your business.

Frequently Asked Questions:

What Does a Payments Consultant Do?

Essentially, a payments consultant is someone who advises businesses how to select, implement, and manage payment systems. Whether you’re a retailer, a bank, or a payment processor, understanding how to take payments securely and efficiently is critical to your success.

Polar Moment have helped clients develop strategies that align their business goals with the best payment solutions available. This means everything from selecting the right payment processor to ensuring compliance with the latest security standards like PCI DSS. We even help businesses expand into new markets or get a detailed understanding of the technology of a company that they’re considering buying.

Why would a business need a payments consultant?

Many businesses find it difficult to keep up with new technologies, regulations, and security requirements. That’s where a payments consultant proves very valuable.

A payments consultant helps businesses streamline their payment processes, reduce costs, and adopt cutting-edge technologies for seamless transactions. They ensure compliance with industry regulations, enhance security, and offer tailored strategies to improve customer payment experiences. Consultants are particularly valuable for managing cross-border payments, reducing fraud, and optimising payment infrastructure to support business growth.

Which industries benefit the most from payments consulting?

Industries like e-commerce, retail, hospitality, financial services, healthcare, and subscription-based businesses benefit significantly from payments consulting. These sectors often require streamlined, secure, and cost-efficient payment solutions to handle high transaction volumes, international payments, or recurring billing. Consultants also aid nonprofits, education, and logistics companies by enhancing payment systems and reducing processing costs.

“I’ve worked with Polar Moment and John on numerous projects while I was working as an IT Director at ALDI. Our small internal payments team in was one of the most knowledgeable and agile in the market, and a large part of that is down to the long association with John and his skill at both generously sharing his knowledge and working his network. John brought together industry professionals across different organisations to solve shared challenges whether they be technical, regulatory or commercial. John is a real expert, a fantastic addition of knowledge and experience to any payments team, and a pleasure to work with. I would heartily recommend Polar Moment and John to any organisation looking for payments industry know-how.”

“I have been hugely impressed with the way that Polar Moment have managed the migration of our website from the incumbent supplier to a new server. Customer service has been excellent, communication has been outstanding, downtime during the switchover was minimal due to prior testing and bug fixing. The team was proactive in monitoring the site in the period immediately following the handover and has made suggestions for improvements, which will be of great benefit to the college, our students, and users of the website. Emails are responded to very quickly. All in all, I am absolutely delighted with the service that has been provided by Polar Moment to date.”

“Throughout our relationship with Polar Moment, I’ve always been pleased and impressed with the support we’ve received. There’s an enthusiasm, attention to detail, and level of engagement that sets them apart. Earlier this year we suffered two P0 situations in two different countries within days of each other, both around high profile launch events, including one in the middle of a weekend. What I saw from Polar Moment was a standard of response well beyond anything I had experienced from other suppliers throughout my time here. Both issues were quickly resolved, and both launches were successful. Dealing as we do, in broadcast critical systems around the world, we’re inherently in a highly demanding and highly visible position. The fact that Polar Moment deliver very much at the upper end of our expectations, even in that context, is testament to the quality of the team there”.

“Pro-active approach in terms of highlighting issues that we were not previously aware of and continually chasing other stakeholders for their deliverables and updates to ensure timescales were met and costs minimised. Communication was always clear and effective.”