Compare the market. Get your best deal.
We compare suitable payroll and ad spend payment providers, negotiate their offers, and show you the price and trade-offs side by side. Our recommendation is based on what is best for your business, not what is best for us.
Compare provider offers
See price, fit and rewards together
Paylarna
Kredo pickBest overall match
5% cashback
subject to approval
SummitPay
Most air miles
6 air miles / £1
subject to approval
Trindle
Fast onboarding
3% cashback
subject to approval
OrbitAdvantage
Lowest fees
2 air miles / £1
subject to approval
No provider pays to rank higher
We ask the right questions
Your spend, headcount, priorities and current setup shape the shortlist.
Providers compete for you
We take the same brief to suitable companies and negotiate their strongest offer.
You see the full picture
Compare price, service, terms and rewards before deciding. If staying put wins, we say so.
Your portal
Every payment, balance and reward in one place.
Once we have switched you over, you run everything from your Kredo portal: fund a pay run, settle ad and supplier invoices, send money abroad, and watch your reward balance build on spend you were making anyway.
- One aggregated balance per currency
- Payroll, ad, supplier and FX payments in one queue
- Live reward balance with a named account manager
- Full transaction history, exportable any time
More than a rate
Turn the spend you already make into air miles and cashback.
Payroll funding, supplier invoices, advertising and FX all earn air miles — up to 4 miles for every £1 spent. Convert them to Avios, Skywards, Qatar Privilege Club and more, or take the value back as cashback.
- Flights and cabin upgrades
- Hotel and travel partners
- Straight cashback option
- One programme per business
Your Kredo air miles
412,500
≈ £4,125 of redemption value
Avios
Emirates Skywards
Qatar Privilege Club
Kredo cashbackIllustrative balance. Earn rates and conversion ratios are set per client and shown in your portal.
Watch: 45 seconds
How Kredo Supermarket works
Who we are, how we broker whole-of-market rates, and what your spend can be worth in cashback or air miles.
Ready to start? Onboarding takes minutes.
Create your account, upload your KYB documents and we open your accounts for you.
Spend and providers we broker across
FCA-regulated banking partners. FSCS-protected funds.
Every bank we move your money through is authorised and regulated by the Financial Conduct Authority, and your funds are protected by the Financial Services Compensation Scheme — so they are covered even if a bank were ever to fail.
FCA-authorised banks only
Your money moves through banks authorised and regulated by the Financial Conduct Authority. Every partner can be checked on the FCA Register.
Protected by the FSCS
Eligible deposits are covered by the Financial Services Compensation Scheme — the UK's statutory fund of last resort — up to £85,000 per person, per bank.
Held with banks, not with us
Balances sit with our banking partners rather than on our own books, so your money is never used to run our business.
Cover across several banks
We place funds with more than one partner, which means FSCS protection applies to each bank separately.
FSCS protection applies to eligible deposits held with authorised banks, currently up to £85,000 per person per bank. Cover depends on a deposit being eligible — the full rules are published at fscs.org.uk. Kredo Supermarket is an independent broker: we do not issue cards, run payroll or hold deposits ourselves.
Don't just take our word for it.
We publish our reviews on Trustpilot, where ratings and comments are collected and moderated independently of Kredo.
Reviews are still gathering — we'll link them once we pass 50.
Our Trustpilot profile is new, so we'd rather show you a meaningful sample of feedback than a handful of reviews. Search trustpilot.com/review/kredosupermarket.com on Trustpilot any time to read what is there today.
Trustpilot
Real experiences
Feedback comes directly from customers.
Independent platform
Ratings are hosted and managed by Trustpilot.
Always up to date
See the latest reviews on our public profile.
Shop the shelf
Pick what you want us to shop for you.
Every line below is a market we broker. Choose one, or let us look at the lot.
Payroll liability management
Outsource PAYE, NIC and pension liability to a vetted specialist.
Compare 9 providersUp to 4 miles per £1Ad spend payments
Fund major advertising platforms, compare payment routes and earn rewards on eligible spend.
Compare payment routesSave up to 24%Umbrella & contractor payroll
Compliant contractor pay runs with IR35 handling built in.
Compare 7 providersSave up to 1.8% FXInternational payments & FX
Cross-border payroll and supplier payments without the FX markup.
Compare 11 providersEarn up to 2%Corporate cards & expenses
Spend controls, expense capture and rewards on business spend.
Compare 8 issuersSave up to £1.2k/yrBusiness banking
Current accounts and treasury built for growing UK businesses.
Compare 10 banks40+
providers on the shelf
£1.9m
saved for clients last year
28%
average cost reduction
2-3 wks
typical switch time
The middle man, on your side
One broker between you and forty providers.
Going direct means running the same conversation forty times and taking each provider's word on what a fair rate looks like. We already know what they will do on price, because we place business with them every week.
See the full processTell us what you run today
Headcount, monthly card volume, your current providers and where the pain is. A 15-minute intake call, no obligation.
We shop the whole shelf
Our brokers price your numbers with every relevant provider, pressure-test the small print and negotiate on your behalf.
You pick, we switch you
You get a plain-English comparison and our recommendation. We then handle migration, cutover and go-live end to end.
Rewards calculator
Calculate your rewards
See how much you could earn based on your monthly spend. We broker you onto the reward programme that pays out best for the way your business actually spends.
Monthly reward
150,000
airmiles
Yearly reward
1,800,000
airmiles
Earning at 3 airmiles per £1
1,800,000
a year — enough for multiple business class flights
Illustrative only. Earn rates vary by provider, card mix and spend category. We confirm the exact rate in writing before you commit to anything.
From the aisle
Businesses we have shopped, matched and switched.
We had been quietly overpaying on card processing for four years. Kredo priced it with five acquirers in a week and moved us without a day of downtime.
Priya Nair
Finance Director, Fieldstone Logistics
It felt like a real procurement exercise rather than a sales pitch. The comparison sheet alone was worth the intake call.
Marcus Bell
Head of Operations, Northwind Retail
They re-shopped us a year later and found a cheaper payroll provider without being asked. That is the whole value in one sentence.
Elena Soto
Founder, Drift & Co
Questions, meet answers
The things people ask us first.
Get started
Tell us what you run. We will shop it.
Fill this in and a broker will come back within one working day with a first view of what the market would charge you.
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