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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Featured Products & Services

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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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Payment Resilience Review

An assessment of your payment infrastructure, resilience posture and regulatory alignment — delivered in a structured session with a written report of our findings. Designed for payments leaders and CTOs looking for an independent view before a problem becomes a crisis.

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What Our Clients Say

“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.”

Tanya Parker, COO, Goodbox

“I've worked with Polar Moment and John on numerous projects while I was working as an IT Director at ALDI. A large part of our team's effectiveness was down to the long association with John — his skill at sharing knowledge and working his network is exceptional. He brought together professionals across different organisations to solve shared challenges, whether technical, regulatory, or commercial. John is a real expert and a pleasure to work with. I would heartily recommend Polar Moment to any organisation looking for payments industry know-how.”

Tim Mattos, Former IT Director at ALDI

“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.”

Simon Brand, Head of Programme Delivery and Operational Excellence, Ericsson Broadcast and Media Services

Why Polar Moment?

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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.

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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.

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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.

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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

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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.

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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.

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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.

Get In Touch

Whether you need strategic advice, technical implementation, or training, our team is here to help.

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