2026
Largest Broker of the Year
Tech & Payments Awards
UK Tech Awards 2026 — WinnerPrice-match guarantee on any competitor+1 air mile on every £1 of ad spend
UK Tech Awards 2026 — WinnerPrice-match guarantee on any competitor+1 air mile on every £1 of ad spend
The payroll & payments broker
We shop the whole market — you keep the best rate.
Kredo Supermarket compares outsourced payroll liability management and payment processing across the whole market, then brokers you the single best option. We do the shopping, the haggling and the switching. You keep the saving.
Rated by the businesses we have switchedFree to you · No obligation
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
Award-winning brokerage
Three years of awards for payroll and payments
Judged by the industry, not by us. Recognised for scale, technology and the way we look after clients across outsourced payroll liability management and payment processing.
2026
Best Outsourced Payroll Partner
Global Payroll Awards
2025
Payments Innovation of the Year
FinTech Excellence Awards
2025
Payroll Liability Broker of the Year
Outsourcing Awards
2024
Rising Star in Business Payments
Tech Innovation Awards
2024
Highly Commended, Client Service
Outsourced Payroll Awards
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.
Save up to 31%
Payroll liability management
Outsource PAYE, NIC and pension liability to a vetted specialist.
Compare 9 providersSave up to 42%Payment processing
Card acquiring, terminals and online checkout on brokered rates.
Compare 14 acquirersSave 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 process01
Tell us what you run today
Headcount, monthly card volume, your current providers and where the pain is. A 15-minute intake call, no obligation.
02
We shop the whole shelf
Our brokers price your numbers with every relevant provider, pressure-test the small print and negotiate on your behalf.
03
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.
£50,000
£5k£500k
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.