Whether you're running one shop or ten, your card payment costs are almost certainly higher than they need to be. We find out exactly what you're paying and fix it. Free of charge.
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 retail client — fashion retailer, three sites, around £85k/month on cards.
Before Memento
After Memento
Sound Familiar?
These are the exact questions retail owners ask us every week.
Retail rates vary enormously by transaction type, card type and volume. We benchmark yours against the market and tell you exactly where you stand.
We consolidate multi-site retailers onto single unified contracts regularly. Better rates, one bill, one contact.
Contactless rates are often higher than chip and PIN. If most of your volume is tap, you could be significantly overpaying.
We negotiate exits from rental agreements all the time. Often we can move you at contract end — or sooner — with no penalty.
Most retail bills have 8–12 line items. We go through every one and tell you in plain English what it is and whether it should be there.
We schedule retail switches outside trading hours. New terminals arrive, old ones go back, and your next morning's trading is unaffected.
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 statement and explain what every charge is.
We're not tied to any processor. We go to our full panel and find the best fit for retail.
Send us your last statement. Full analysis back within 72 hours.
We never pressure a switch. If we can't beat your deal, we say so.
From terminal delivery to go-live, scheduled around your trading hours.
We check in every few months and renegotiate when your renewal comes.
What happens when businesses finally take a look.
"Three shops, three different card setups, three different bills. Memento consolidated everything and now I pay less, have one simple bill and one number to call. Genuinely brilliant."
"I had no idea we were paying 1.8% when the market rate for our volume was under 0.7%. Nobody had ever told us. Memento found it in about twenty minutes and fixed it within a week."
"Honest, straightforward and fast. They looked at our bill, told us we were overpaying on three separate line items, sorted it all out and we haven't had a problem since."
"Ten sites, all on different deals. Memento got it into one clean arrangement. The saving was more than I expected and the process was far simpler than I feared."
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.