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Hey, we’re Cheddar

The new dawn for everyday payments.

We’re making payments better for everyone, creating an ecosystem independent of legacy cards and rules.

Our instant payments platform has many benefits to consumers and businesses.

Payments as easy as messaging
A mobile payment solution that solves inefficiencies in the payment chain and financial system, truly innovating how people send and manage money.


Cut intermediaries
We connect the two parties sending and receiving a payment, enabling direct, instant and the most efficient payments process available.


No cards.
No sensitive payment data.
Abolishing cards removes legacy processing fees and the use of sensitive payment data and therefore fraud. All payments are made with the Strong Authentication.

No complex or hidden fees. Owning our infrastructure enables us to offer simple and transparent pricing to merchants.

We’re just getting started, launching in Europe’s largest payments market; the UK 🇬🇧

To do this, we’re authorised and regulated by the Financial Conduct Authority.

Core dream team

Tariq Zaid


Founder / CEO

Luke Ladyman


Founder / C00

Bouke van der Bijl


Founder / CTO

Peter Elms


MLRO & Head of Compliance

Emil Stolarsky


Infrastructure Lead

Steve MacKenzie


Head of Design

Marcin Szalek


Mobile Dev Engineer

Julien Courbebaisse


Software Engineer

Bharti Nagpal

Software Engineer



Morale Officer

Cheddar is preparing for launch.
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