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Hey, we’re Cheddar

The new dawn for loyalty and payments.

We’ve made customer loyalty and payments better for everyone, creating an ecosystem independent of legacy systems and rules.

Our platform, powered by open banking and AI, has big benefits for consumers and businesses.

Frictionless rewards and payments
A mobile loyalty and payment solution that solves inefficiencies in legacy financial systems, innovating how people send and manage money, and leverage financial data securely.


Encrypted, data first
We connect securely to the accounts of our customers using 256-byte encryption, enabling an unrivalled level of personalisation based on spending behaviour, not cookies or clicks.


No cards. No sensitive payment data.
Abolishing cards removes legacy fees and the use of sensitive payment data, eliminating card fraud. All payments on our platform are made using Strong Customer Authentication (SCA).

No complex or hidden fees. Owning our infrastructure enables us to offer simple and transparent pricing to retailers, as well as maximising cashback for consumers.

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

To do this, we’re directly authorised and regulated by the Financial Conduct Authority (FCA) as a Payment Initiation Service Provider and Account Information Service Provider (PISP/AISP).

Core dream team

Tariq Zaid


Founder / CEO

Luke Ladyman


Founder / C00

Steve MacKenzie


Head of Design

Julik Tarkhanov

Head of Engineering

Marcin Szalek


Mobile Dev Engineer

Julien Courbebaisse


Software Engineer

Mustafa Hussain

Operations Specialist

Sebastian van Hesteren

Software Engineer

Stanislav (Stas) Katkov

Fullstack Developer

Barney Wright

Business Development Manager



Morale Officer

Cheddar is preparing for launch.
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© 2022 Cheddar | Cheddar is the trading name of Cheddar Payments Limited, a company registered in England and Wales (No. 12895809).

Cheddar Payments Limited is authorised and regulated by the Financial Conduct Authority. Our Firm Reference Number is 940075.