Most businesses taking over £30k/month on cards are quietly overpaying — and never check because the statements make no sense. We cut through all of it. In plain English. For free.
We'll be in touch within one working day.
Four steps. One person looking after you the whole way through.
Pick a time. No prep needed — just a chat about what you're paying and what's been bugging you about it.
Takes 2 minutes to bookSend us your most recent statement. We go through it and come back with a plain English summary — no jargon, no spreadsheet.
Back to you in 72 hrsWe're not tied to any provider. We go to our panel on your behalf and find whoever genuinely fits your business best.
No obligation to switchContracts, machines, testing, go-live — we manage it all. Then we check in every few months to keep your deal sharp.
Ongoing support includedEven if the answer turns out to be "you're actually fine" — at least you'll know for certain.
A real client — retail business, around £60k/month on cards. Here's what changed when we got involved.
These are the exact questions we get every single week. All of them have a straight answer. Usually a quick one.
We do. We know exactly what fair looks like for your level of card takings and we'll tell you honestly where you stand.
We break it down into plain English — what every charge is, whether it's fair, and what you should actually be paying.
Now you have us. We'll work out your real cost — not the headline number — and show you where you sit against the market.
Loyalty is never rewarded in this industry. Long-term customers are almost always paying more. Let us check.
We handle everything. Most clients are switched and saving within two weeks, with no disruption to their business at all.
Some are standard. Many aren't. We find avoidable charges on almost every single bill we look at.
We answer all of this in one free call. No prep needed — just 15 minutes.
We work with a range of providers. None of them own us. When we recommend someone, it's because it's genuinely right for you.
No provider pays us a retainer. We choose from our panel based entirely on what fits your business — not our commission.
You get a named co-founder — not a call centre. Someone who knows your situation, picks up when you call, and remembers your name.
No technical language. No rate tables. We explain it the way you'd want a trusted mate in the industry to explain it.
Price increase clauses, exit fees, auto-renewals — we flag everything before you sign. No nasty surprises down the line.
We schedule reviews every few months. Your provider won't call to say someone else is cheaper. But we will.
There's never a charge for a call with us. Even if you can't save anything — which is rare — you'll know exactly where you stand.
No prep. No commitment. No documents needed beforehand.
These aren't exceptional cases. This is what we typically find.
"I'd been ignoring those statements for two years. When Michael went through it with me — in normal language — I was genuinely shocked. We had a security fee going out every month on an account we'd been compliant on for years."
"Our rep told us we were on a great rate. Tim pulled up our real cost and it was nearly double what we thought we were paying. The switch was completely painless — Jordan managed the whole thing. We were live in 12 days."
"Three shops, three different deals, three separate bills. Memento sorted it into one simple arrangement and the saving was more than I expected. Best part is now there's just one number to call when anything needs sorting."
"I expected pages of complicated information back. What I got was two paragraphs in plain English telling me exactly what I was paying too much on and why. My accountant was more confused by it than I was, which tells you something."
No documents needed beforehand. No commitment after. Just a straight conversation about what you're paying — and whether we can do better. Most people know where they stand within the first five minutes.
For businesses taking £30,000+ per month on cards. All conversations are strictly confidential.