We Start by Listening
Every business is different. We take time to understand your turnover, your sector, your pain points, and your goals before making any recommendation. There is no one-size-fits-all solution.
About Us
Independent Consultants Who Put Your Business First
We don't work for the payment providers. We work for you. That distinction changes everything about the advice you receive, the rates you pay, and the service you get.
Our Story
Time Consulting was founded because we saw a problem that nobody was solving. Thousands of UK businesses were overpaying on card processing — not by a little, but by 30-40% — and the industry was designed to keep it that way.
Payment providers employ sales teams incentivised to maximise margins, not minimise costs. Contracts are deliberately complicated. Statements are hard to read. And switching is made to feel impossible.
We decided to build something different: a consultancy that sits on the business owner's side of the table. We audit your costs, negotiate better rates, source better technology, and manage the entire relationship — answering only to you.
The Problem We Solve
Confusing statements
We translate them into plain English
Hidden fees
We find every one and eliminate them
Inflated rates
We negotiate the lowest available
Poor technology
We source the best on the market
Consultancy, Not Sales
There's a fundamental difference between a salesperson trying to hit a target and a consultant trying to solve your problem. We are firmly the latter.
We Show You the Numbers
We never ask you to take our word for it. Every recommendation comes with a clear, jargon-free breakdown showing exactly what you're paying now, what you could be paying, and the difference it makes.
We Manage Everything
If you decide to switch, we handle the entire process — from paperwork and compliance to terminal delivery and staff training. You carry on running your business. We handle the rest.
Our Values
Transparency
No hidden agendas, no small print, no surprises. We tell you exactly what we find, what it means, and what your options are — even if the answer is to stay where you are.
Independence
We are not owned by, employed by, or beholden to any payment provider. Our only obligation is to our clients, which means our advice is always genuinely impartial.
Accountability
We don't disappear after you sign. We stay on as your ongoing consultants, monitoring your account, flagging rate increases, and making sure you always have the best deal.
Simplicity
The payment industry thrives on complexity. We cut through it. Everything we do — from our reviews to our recommendations — is designed to be clear, honest, and easy to act on.
2,800+
Businesses Helped
Across every sector, from independent cafes to multi-site retail chains
£4.2M+
Saved for Clients
In combined annual savings on card processing fees
4.9/5
Client Rating
Based on verified reviews from real business owners
40%
Average Saving
The typical reduction in card processing costs we achieve
See What We Can Do for Your Business
Get your free, no-obligation card payment review and find out exactly how much you could save. It takes two minutes and costs nothing.