Polar Moment

What Polar Moment does

Polar Moment Limited is a Basingstoke-headquartered UK payments consultancy and bespoke software development firm founded in 2006 as part of the Latitude 91 group by Tim Stratton. The firm provides advisory, technical delivery, and 24/7 operational support to enterprise clients across the payments value chain — payment processors and acquirers (PayPal, Worldpay), major retailers (ALDI, TJX, Circle K), hospitality operators, payment technology vendors (Planet, Miura, InstaVolt), gaming and amusement operators, EV-charging firms, and broadcasters (Ericsson/Red Bee Media). Service delivery is director-led and consultative, with co-founding directors personally leading engagements rather than delegating downward.

Name

Polar Moment

Legal name

Polar Moment Limited

Website

https://polarmoment.co.uk

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

11–50 employees

Short description

Polar Moment is a UK-based payments consultancy and bespoke software firm providing advisory, system development, and 24/7 operational support to enterprise clients including PayPal, Worldpay, ALDI, and Ericsson across retail, gaming, and payment-technology verticals.

Ownership category

akta.pro rank

Headquarters

HQ city

Basingstoke

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Payments Consultancy Services: Advisory services for payments directors, CTOs, and boards covering architecture, vendor selection, regulatory readiness, and M&A due diligence. Delivered by senior consultants with decades of production payment experience.
2. Bespoke Software Development: Design, build, and accreditation of payment systems including embedded firmware, Android terminal applications, acquirer integrations, and cloud-hosted payment infrastructure. Projects run from initial architecture through accreditation to live operation.
3. Payments Operations and Support: 24/7 incident response, system monitoring, ongoing maintenance, and continuous improvement for live payment systems. Longest operational relationship spans over a decade. Some engagements managed from initial build through ongoing operations.
4. Payment Resilience Review: Fixed-scope, fixed-price diagnostic assessment evaluating payment operations against a defined framework. Delivered as a written findings report with prioritised recommendations. Fixed-fee engagement with clear pricing stated upfront.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

Polar Moment is a B2B payments consultancy and bespoke software development firm that advises payments directors, CTOs, and boards on architecture, vendor selection, regulatory readiness, and M&A due diligence. The firm designs, builds, and accredits bespoke payment systems spanning embedded firmware, Android terminal applications, acquirer integrations, and PCI-DSS-compliant cloud infrastructure, then operates those systems live on behalf of clients with 24/7 incident response and ongoing maintenance.

Product overview

Polar Moment operates as a payments consultancy and bespoke software development firm offering a unified portfolio of services across three core areas: payments consultancy (advisory for strategy, vendor selection, and regulatory readiness), bespoke software development (end-to-end payment system design, development, and accreditation), and payments operations (24/7 support for live systems). Key products include Game Payment Technology (GPT) — a cashless payment platform for the gaming industry with custom hardware (TP-SLU, TQ-SLU, TR-SLU), mobile apps, and AWS cloud services — alongside the Payment Resilience Review diagnostic service. Additional offerings span Subito live subtitling, GBx Core contactless donation devices, and specialised integration solutions for Android terminals, EV charging, vending, and hospitality environments.

Differentiator

Problem solved

Functional benefit

Products and services

• Payments Consultancy
• Bespoke Software Development
• Payments Operations and Support
• Payment Resilience Review

Quantifiable outcome

• 46% reduction in card processing costs achieved for Axcel Group hotel portfolio
• +5 more outcomes

Named customers17 records

Segments5 records

Ideal customer profiles6 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration12 records

AI capability7 records

Feature5 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• Game Payment TechnologycoreStrategic or Co-development Partner · 19 November 2024GPT is a wholly owned subsidiary of Latitude 91. Polar Moment designed, developed, and continues to operate the Game Payment Technology cashless payment platform for the gaming sector.
• Latitude 91 GroupcoreStrategic or Co-development PartnerParent company of Polar Moment, SkillSet, and Game Payment Technology. Latitude 91 acquired full ownership of Game Payment Technology in November 2024. Tim Stratton is CEO of Latitude 91 group.
• PayPalminorOthersClient relationship for payments consultancy and advisory services.
• WorldpayminorOthersClient relationship for payments programmes delivery.
• ALDIminorOthersClient relationship for payment strategy consultancy.
• All Things Nice VendingminorStrategic or Co-development PartnerPartnership to develop state-of-the-art payment solution for vending machines to be placed in retailers throughout the UK. Demo system showcased at EAG Expo.
• FSComminorImplementation/ SI/ Consulting PartnerCompliance advisor partner for helping clients become Authorized Payment Institutions.
• Amazon Web Services (AWS)coreTechnology or IntegrationAWS Consulting Partner. Cloud infrastructure used for payment systems including Lambda, DynamoDB, IoT Core, ECS Fargate, Aurora MySQL Serverless, Cognito, Route53, CloudFront, and CloudWatch.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• FSCom: UK payments and fintech compliance consultancy helping firms obtain FCA Authorised Payment Institution status. Already a Polar Moment partner (FSCom); comparable in compliance advisory focus within UK payments.
• Baringa Partners: UK-based independent consultancy with a dedicated payments practice advising banks, acquirers, and merchants on payments strategy, risk, and operations. Comparable for senior-led delivery model and payments specialism.
• Edgar, Dunn & Company: Specialist payments strategy and M&A advisory firm serving banks, processors, and merchants globally. Closely comparable as a senior-led payments advisory with deep scheme and regulatory expertise targeting enterprise and PE clients.
• Red Bee Media: Broadcast services company that operates the Subito live subtitling platform built by Polar Moment. Comparable as both a buyer of bespoke broadcast technology and as a high-availability media platform operator.
• Consult Hyperion: Independent payments consultancy advising banks, retailers, and payment processors on strategy, technology selection, and scheme compliance. Directly comparable as a boutique, relationship-led advisory firm with deep payments specialisation.

Emerging players

• Thought Machine: Cloud-native core banking technology provider for retail and commercial banks. Comparable for AWS-based, cloud-native payment system delivery serving regulated financial institutions.
• Spreedly: Payment orchestration platform providing integration, vaulting, and routing across multiple gateways. Comparable to Polar Moment's Payment Integration Solutions and orchestration work for retailers like Circle K.
• Yoti: Digital identity and age verification provider whose AI facial recognition is integrated into Polar Moment's Game Payment app. Comparable for AI-driven regulatory compliance technology in UK gaming and payments.
• Miura Systems: Payment terminal manufacturer and technology partner that collaborates with Polar Moment on unattended cashless and EV charging solutions. Comparable for hardware-enabled unattended payment solutions.

Broad incumbents

• Marqeta: Modern card-issuing and payment processing platform with API-first infrastructure. Comparable to Polar Moment's cloud payment infrastructure and Android terminal work, though at much larger scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/Polar_Moment
• LinkedInlinkedin.com/company/polar-moment

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Polar Moment