Payments. We build, advise, and operate.
Twenty years of production payment expertise across consultancy, software development, and live operations — for clients including PayPal, Worldpay, ALDI, Ericsson, Planet, and InstaVolt.
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Game Payment
Game Payment, the market-leading cashless payment solution is developed and operated by Polar Moment. With our cutting-edge technology and robust infrastructure, businesses can leverage the Game Payment solution to accept cashless payments securely, enhancing customer experiences and driving revenue growth.
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Software Development
We design, build, and accredit payment systems from the ground up. In practice, our work spans embedded payment firmware, Android terminal applications, acquirer integrations, and PCI-DSS-compliant cloud-hosted payment infrastructure. As a result, every system we deliver is built to run in production — not just to pass acceptance testing. Game Payment Technology, our cashless payment platform for the gaming sector, has operated continuously since we built it. We have led the technical delivery of payment systems for clients including Planet, Miura, InstaVolt, An Post, and Ericsson. In every case, each engagement runs from initial architecture through acquirer accreditation to live operation.
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Payments Strategy
We advise payments directors, CTOs, and boards on the decisions that matter most — from architecture and vendor selection to regulatory readiness and M&A due diligence. In addition, our consultants have worked on both sides of the acquiring relationship, across processors, issuers, retailers, and fintechs, for over two decades. Consequently, that means we understand payment systems from the acquirer outward — not just from the merchant’s perspective. We have advised on payment strategy for PayPal, Worldpay, ALDI, and Circle K, and provided due diligence support to private equity firms evaluating payments businesses.
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Why Polar Moment?
Industry Expertise
We have worked as acquirers, processors, and technical delivery partners — not just as consultants observing from the outside. Our founding directors have operated payment systems, held positions inside acquiring relationships, and advised on payments strategy from PayPal to ALDI.
Production Systems
We build payment systems that run continuously in production, not systems we hand over and walk away from. Game Payment Technology, our cashless payment platform, has operated across the gaming sector since we built it.
Hard Decisions
Our people have been inside the most complex payment decisions in the UK market — from private equity due diligence to FCA authorisation for Authorised E-Money Issuers to ALDI's pan-European payment operations.
Quality Assurance
ISO 9001 and ISO 27001 certified. AWS Consulting Partner — and more importantly, a team that has built payment infrastructure in production using Lambda, DynamoDB, IoT Core, and ECS Fargate in live payment environments.
Our Leadership Team
Tim Stratton
Tim is CEO of Latitude 91 group, which includes Polar Moment, SkillSet and Game Payment Technology. He also built Retail Logic into the UK’s leading card payments software business – subsequently acquired by Barclaycard – before founding the group in 2006. With an MBA specialising in financial strategy and more than twenty years of experience leading payments businesses, he brings commercial, strategic, and business-building expertise to every engagement.
Paul Deed
Paul Deed is a co-founding director of Polar Moment and the firm’s payments technical director. Over twenty years he has led the technical delivery of every payment system Polar Moment has built — from architecture through acquirer accreditation to live operation. He designed and built Game Payment Technology, the cashless payment platform now operating across the gaming sector, and has led the technical delivery of payments-related projects for clients including Planet, Miura, An Post, InstaVolt and Ericsson.
John Rozek
John Rozek is a co-founding director of Polar Moment and one of the UK’s most experienced payments specialists. With over twenty years working throughout the payments ecosystem — acquirers, issuers, processors, and retailers — he combines rare technical depth with a network built over several decades of leadership in the industry. He has delivered payment programmes for PayPal, Shell, Worldpay, ALDI, and others, and has advised on everything from vendor selection to M&A due diligence.
Latest News From Polar Moment
Polar Moment’s Payments Perspective: July 2026
July 2026
Payments news from July 2026: The ongoing development of the digital pound, HM Treasury propose a major overhaul of UK payments regulation, BNPL regulation comes into force and the ECB experiences another outage.
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Polar Moment’s Payments Perspective: June 2026
June 2026
Payments news from June 2026: The launch of UKPI, the European Payments Initiative, GOV.UK Pay select Adyen and Affirm and Stripe entering the UK's BNPL market all feature this month.
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Polar Moment’s Payments Perspective: May 2026
May 2026
Payments news from May 2026: Agentic commerce, cross-border payments, PSD3 and the latest data on UK consumer spending on cards all feature this month.
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Polar Moment’s Payments Perspective: April 2026
April 2026
Payments news from April 2026: the rise of digital wallets in the UK, Revolut’s AI-powered assistant, and key insights from the Retail Technology Show.
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Whether you need strategic advice, technical implementation, or training, our team is here to help.
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