Workshops, trade counters and dealerships across the UK are losing thousands a year to outdated payment rates. We find out exactly what you're paying — and fix it. For free.
We'll be in touch within one working day.
How It Works
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 includedReal Numbers
A real motor trade client — parts supplier, around £55k/month on cards.
Before Memento
After Memento
Sound Familiar?
These are the exact questions motor trade businesses ask us every week.
Interchange rates for auto parts and motor trade are often higher than retail — but they don't have to be. We know exactly what you should be paying.
High-volume trade counter transactions are exactly where savings are biggest. A small rate reduction across hundreds of daily transactions adds up fast.
We consolidate multi-site motor trade businesses onto clean, unified contracts all the time. One arrangement, one bill, one point of contact.
PCI non-compliance fees, minimum monthly service charges, authorisation fees — we see all of it in motor trade bills. We get them removed.
Most long-standing motor trade accounts are significantly overpaying. Loyalty rarely gets rewarded in card payments.
We've switched hundreds of businesses. For motor trade, we schedule around your workshop hours and have never caused a day's disruption.
Still not sure? One 15-minute call is all it takes — no documents needed, no commitment required.
The Memento Promise
We work with a range of providers. None of them own us.
We go through every line of your current statement and tell you exactly what each charge is.
We're not tied to any single processor. We go to our full panel and find whoever suits motor trade best.
Most motor trade clients have a full picture within 72 hours of sending us their bill.
We never pressure you to switch. If we can't beat your current deal, we'll tell you straight.
From terminal delivery to go-live, we manage everything around your workshop schedule.
We check in regularly and renegotiate on your behalf when your contract renewal comes around.
What happens when businesses finally take a look.
"We'd been with the same provider for six years and just assumed everyone paid the same. Turns out we were paying almost double what we should have been. Memento sorted it in under two weeks."
"Running a busy trade counter, the last thing I had time for was wading through payment statements. Memento did it all. Got a simple summary, a better deal, and it was done. No fuss whatsoever."
"I was sceptical at first. Then they showed me a breakdown of what I'd been paying for five years. The hidden charges alone were £900 a year. All gone now."
"Thought it would be complicated to switch. It wasn't. New terminals arrived, old ones went back, and by the end of the week we were saving money. That's genuinely all it was."
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.