About Us

About Us: KJM Card Services are Tamling Chan & Keith McCraw 

Keith: He has over 20 years in the financial services sector. He began with the sale of regulated funds and investments to independent financial advisers. Latterly however, his experience has been within the card acquiring and payment processing arena.

KJM’s vision is to ensure that small to medium-size business owners benefit from the low costs and charges that larger, multi-outlet business owners benefit from. It seems that the more money you have in the pot, the better the deal you get. KJM aim to make sure that the small, high street shops get the same kind of deal.

Tamling: With many years in the hospitality industry working as a pastry chef and latterly in a senior management role within a specialist, chocolate-making company, Tamling isn’t short of knowledge when it comes to the needs of the restaurant owner’s business model. Tamling understands that you may want to expand, increase public awareness of your products and services and of course – promote the brand. Tamling can bring your customers back – time and time again – using a proven system of customer contact using incentives, links to website menus, promotions etc, all of which will increase sales.

Merchant Cash Advance

Business Cash Advance: If you have a card terminal this is a way of releasing cash. You have quiet times and busy times. The way that this is repaid means that it fits in with your business model exactly.

Card Terminals

From Pax, Ingenico, Spire, Epos Now, E-Commerce and Virtual Terminals, KJM Card Services provide every option available to ensure you have the correct option for your business.

Text Marketing

KJM send texts to your customers who have opted to receive them and together we will find ways of ensuring that they return much more frequently. Your sales should increase year on year.

Energy Switching

Electricity and Gas supply price increases have been devastating to business owners. KJM can buy today’s rates at today’s prices and lock them in. This means that when your existing contract ends you won’t get hit with a massive price rise. We can forward contract you up to twelve months ahead and give you peace of mind that you are in safe hands when your contracts expire.

“KJM’s vision is to ensure that small to medium-size business owners benefit from the low costs and charges that larger, multi-outlet business owners benefit from. ”

Keith McCraw , Director KJM cardservices

A Team of Experts Behind the Wheel

Dedicated to supporting the small to medium-sized businesses. Why is it that the large corporations of this world are the ones who get the best deals? Usually this is because the small business owner pays the highest rates which helps subsidise this disparity.  Your team of experts are here to help. Invest in our belief that you deserve better and we will help discount your annual cost of card processing. We can also provide funding to help you grow, and unlike the bank’s way of lending, this method fits in with your business model.

Keith McCraw

Director of Merchant Sales, Merchant Services and Energy

Tamling Chan

Director of Merchant Finance, Marketing and Customer Services

Simon Reynolds

Sales Executive

Kevin Hayler

Sales Director

What Our Customers Say

Ali Uddin

Eastern Eye Restaurant in Haddington:

‘KJM Card Services are a breath of fresh air. They have provided me with clear, concise advice along with a clear charging structure for the card processing charges. In the end I saved a total of 43% a year on my card processing costs, they also completed my PCI Compliance for me which also saved me from being charged every month. I cannot recommend KJM highly enough.’

WIlliam Ross

owner of Bar Brig and ‘Braw Brew’ pub chain in Edinburgh

‘KJM Card Services have supported me along the way, both in helping with card terminals but also in helping me release cash from my businesses to help me expand the brand. The Business Cash Advance facility helped me open new premises and because it is repaid in line with card transactions, it fits in with my business model precisely’.


Lochleven Seafood Cafe


Thanks to you it was so nice to deal with such lovely friendly people and have that personal touch rather than have to deal with a faceless corporation.  KJM Card Services managed to save me 30% per annum on my card acquiring charges and thats with an extra terminal to boot