UK

United Kingdom · Finance roles · Mid-Level (2-5 years)

Digital Payments Specialist

Here is the whole job, in plain words. What it is, a real day, what you decide, how you're judged, how people get here and where they go next. Then the part no course gives you: twelve AI tutors who learn your work.

  • Experience bandMid-Level (2-5 years)
  • Direct reportsNo direct reports
  • Reports toManager, Digital Payments & Fraud
  • UK framework levelUsually a coordinator, or early in a professional job

Also advertised as Payments Operations Specialist · Payments Analyst · Reconciliation Specialist

Built on an analysis of 43,079 real UK job descriptions · grounded in qualifications employers recognise

Start with a free Future Fluency check, tuned to Digital Payments Specialist

Ten quick questions, one per Future Fluency, asked against this role rather than a generic one. About five minutes, and no card.

Start the check, free

1What this role really is

This role is all about making sure our money moves smoothly and safely. You'll be the person who dives deep into payment transactions, sorts out any snags, and keeps our financial operations ticking over. Think of yourself as the detective for all things related to how customers pay us and how that money gets into our accounts. It's a critical spot, sitting right at the heart of our financial flow, ensuring we don't lose a penny to errors or fraud.

2What you'd actually use

The tools this job runs on, and how well you'd need to know each one.

Payment Gateways (Stripe, Adyen, Braintree)Intermediate

Operating dashboards to process refunds, pull transaction reports, investigate payment statuses, and handle basic disputes. You'll be in these systems constantly.

Fraud Prevention Systems (Cybersource, Kount, Sift)Intermediate

Reviewing flagged transactions, following established rules to approve or decline orders, and documenting your decisions. You're on the front line against fraud here.

Reconciliation Software (BlackLine, ReconArt)Basic

Using these tools to match daily settlement files and clear low-level exceptions based on a runbook. You'll be working within existing rules, not building new ones yet.

ERP Systems (SAP S/4HANA (FI-CA), Oracle NetSuite, Dynamics 365 Finance)Intermediate

Entering journal entries, clearing Accounts Receivable items related to payment batches, and troubleshooting basic integration errors between the payment gateway and the ERP.

Data & Analytics (SQL, Tableau, Power BI)Intermediate

Executing pre-written SQL queries in databases like PostgreSQL or Snowflake to pull data for your reports. You'll also use existing dashboards in Tableau or Power BI to monitor key payment KPIs and spot trends.

Issue Tracking (Jira, ServiceNow)Intermediate

Managing assigned tickets for payment failures, customer queries, or reconciliation issues. You'll provide status updates and follow established escalation paths.

3What you get to decide, and how that grows

Power in a job isn't your title. It's what you're allowed to decide. Here's how it grows as you move up.

The choiceComing inWhere you are nowThe step above
Approving/Declining Fraud-Flagged TransactionsFollows strict runbook; escalates anything ambiguous.Independently applies established rules and judgment; escalates only novel or high-value cases.Defines and tunes fraud rules; makes decisions on complex, high-risk cases with significant financial impact.
Chargeback Representment StrategyGathers evidence as instructed; drafts responses using templates.Independently gathers evidence, crafts persuasive responses, and submits within deadlines; decides on best evidence.Develops and optimises overall representment strategy; identifies new evidence sources; mentors on best practices.
Payment Reconciliation Discrepancy ResolutionIdentifies discrepancies; escalates to senior team for resolution.Investigates and resolves routine and moderately complex discrepancies independently; escalates only systemic issues or large variances.Troubleshoots complex, systemic reconciliation issues; designs new reconciliation rules; works with Engineering on data feed fixes.
Process Improvement SuggestionsIdentifies minor inefficiencies; suggests small tweaks to supervisor.Identifies recurring issues; proposes specific, actionable solutions for existing processes to Manager.Designs and implements significant process improvements; leads small projects to optimise payment flows.

4How you'll be judged

The scoreboard, honestly: the hard targets, how often each one is actually looked at, and the quiet human signals that never make it onto a dashboard.

Chargeback Win Rate
The percentage of chargebacks we successfully dispute and win back.
Target · > 40%

If we get 100 chargebacks in a month and you successfully represent 45 of them, that's a 45% win rate. Every win is money back in our pocket.

Reconciliation Variance
The difference between what our payment processors say we settled and what actually hits our bank account, after accounting for fees and refunds.
Target · < 0.01% on settled batches

If a settlement batch is £100,000, we expect any unmatched variance to be less than £10. You'll be the one finding that £10.

Fraud Queue Review Time
How quickly you review and action transactions flagged by our fraud detection systems.
Target · < 15 minutes per case

A customer makes a purchase, it gets flagged for fraud, and you need to review it fast. If you take 30 minutes, the customer might abandon their cart or get frustrated.

Ticket Resolution SLA
The percentage of payment-related support tickets (from internal teams or customers) that you resolve within our agreed service level agreement.
Target · 95% of tickets resolved within 24 hours

If Customer Support raises 50 payment queries in a week, you're expected to close 48 of them within a day. Quick resolution keeps everyone happy.

Issue Resolution Quality
How thoroughly and accurately you investigate and resolve payment discrepancies or customer payment issues, ensuring the root cause is addressed.
  • Detailed investigation notes in Jira, positive feedback from Customer Support on resolved cases, minimal re-opened tickets for the same issue, clear explanations provided to internal teams.
Process Adherence & Improvement
Your ability to follow established payment operational procedures, while also spotting opportunities to make them better or more efficient.
  • Consistently applying chargeback representment guidelines, identifying and documenting a new edge case for reconciliation, proposing a small tweak to a fraud rule that reduces false positives.
Cross-Team Collaboration
How well you work with other teams—like Customer Support, Finance Ops, and Engineering—to get things done and share important information.
  • Proactively sharing updates on payment outages, clear and concise communication in shared Slack channels, being seen as the 'go-to' person for payment queries, positive feedback from colleagues in other departments.
Risk Awareness
Your ability to recognise potential fraud vectors, compliance risks, or financial exposure in payment processes and flag them appropriately.
  • Highlighting a new type of suspicious transaction pattern, questioning a proposed payment flow that might breach PCI DSS, escalating a large unreconciled item promptly.

5Would you like it

The honest version. What people enjoy, and what grinds them down.

What people enjoy
Solving Complex Puzzles

You love diving into a tricky reconciliation discrepancy or tracing a failed transaction through multiple systems to find the exact point of failure. It's like being a detective for our money.

Spending an afternoon unravelling why a specific batch of refunds didn't settle correctly, involving multiple reports and system logs, and finally finding the one missing piece of data.

Protecting the Business

You get a real sense of satisfaction from successfully fighting a chargeback, preventing a fraudulent transaction, or ensuring every penny is accounted for. You're a guardian of our finances.

Winning a £500 chargeback dispute by meticulously compiling evidence, or spotting a new fraud pattern that saves the company thousands before it escalates.

Driving Efficiency & Accuracy

You're always looking for ways to make processes smoother, faster, and less prone to human error. You enjoy building robust systems and procedures.

Automating a manual data pull with a simple SQL query, or streamlining a step in the chargeback representment process to save time for yourself and the team.

What frustrates people
  • The Black Box of Issuer Declines: When a customer's bank declines a valid transaction with a vague code like 'Generic Decline,' leaving you and the customer frustrated and powerless.
  • Manual Reconciliation Hell: Spending the last two days of the month manually matching thousands of transactions because a processor's settlement report format changed without warning.
  • Being the 'Department of No': Constantly explaining to Marketing and Product why their brilliant new idea (e.g., a 'free trial' with no card auth) is a massive fraud risk that will get the company blacklisted.
  • Chasing Evidence for Chargebacks: Begging customer service teams for proof of delivery or user IP logs for a £20 chargeback, knowing that if you miss the 7-day deadline, the money is gone forever.
What this role does not give you
  • A quiet, predictable routine with no urgent requests.
  • Complete control over external payment systems and bank behaviours.
  • A role where every single task results in a visible, 'finished' product.
  • Minimal interaction with other teams; you'll be talking to a lot of people.

6Who you work with

This role directly impacts our financial health by ensuring accurate and efficient processing of all digital payments. You're the one who stops money from going missing, fights for our revenue against chargebacks, and helps keep our fraud losses low. Get it right, and we save thousands; get it wrong, and we could face significant financial hits and reputational damage. Essentially, you're a guardian of our cash flow.

Inside the business
  • Finance Operations team (for daily reconciliation and reporting)
  • Customer Support (for payment issue resolution)
  • Product team (for new payment feature integration)
  • Engineering (for system integrations and bug fixes)
  • Risk & Compliance (for fraud prevention and regulatory adherence)
Outside the business
  • Payment Gateway Providers (e.g., Stripe, Adyen)
  • Acquiring Banks (who process our transactions)
  • Fraud Solution Vendors (e.g., Cybersource, Kount)
  • Card Schemes (Visa, Mastercard, Amex)

7What you need before you start

Not a wish list. The things you would be expected to already have.

  • At least 2 years of hands-on experience in a finance operations, payments, or reconciliation role, or equivalent experience in a highly analytical, detail-focused position.
  • Proven ability to work independently on routine tasks and take ownership of problem resolution.
  • Demonstrable experience with at least one major payment gateway (e.g., Stripe, Adyen, Braintree) from an operational perspective.
  • Familiarity with financial reconciliation processes and an understanding of how to investigate discrepancies.
  • Basic to intermediate SQL skills for data extraction and analysis.
  • A degree in Finance, Accounting, Business, or a related quantitative field, or equivalent professional experience.

8What to practise next

Where the job is going, and what to do about it starting this week.

Advanced Payment Gateway Configuration & Optimisation

Simply processing transactions isn't enough; we need to squeeze every bit of efficiency and cost saving out of our payment gateways. Understanding how to fine-tune routing, risk settings, and new payment methods will be key to better performance.

Dynamic Routing Rules · Local Payment Method Integration · Risk Settings & Thresholds

  • This week: Ask your Manager to walk you through the current configuration settings of our primary payment gateway.
  • This month: Take a deep dive into the documentation for our payment gateway's advanced features, even if we don't use them yet.
  • Month 2: Propose a small A/B test for a minor gateway setting change (e.g., a specific retry logic) to see its impact.
  • Month 3: Shadow a Senior Specialist or Engineering colleague on a new APM integration project to understand the technical nuances.

Quick win: Familiarise yourself with the 'developer docs' for our main payment gateway. Even if you're not coding, understanding the capabilities will be a huge advantage.

9Staying current once you are in

What people here do to keep up
  • Attending industry webinars or virtual conferences on payments trends, fraud prevention, or financial technology.
  • Subscribing to payments industry newsletters and publications to stay up-to-date on new regulations and technologies.
  • Participating in internal training sessions on new payment systems, ERP modules, or data analysis tools.
  • Seeking out mentorship from senior colleagues in the Finance or Risk teams to deepen your understanding of complex financial processes and fraud strategies.
  • Taking online courses on advanced Excel, SQL, or data visualisation (e.g., Tableau, Power BI) to enhance your analytical capabilities.

10How the AI economy is changing work like this

Before we ask anything of you, here's what we can already say about AI and work of this kind:

The new skill this role is being asked for: Advanced Prompt Engineering for Financial Analysis

AI is rapidly changing how we analyse data and generate reports. Analysts who can effectively 'talk' to large language models (LLMs) will outproduce peers significantly. This isn't just a nice-to-have; it's becoming a productivity superpower.

We'll only ever tell you what we can actually back up. No hype, no scare tactics.

Your PlanIllustration

Built for Digital Payments Specialist

3 units that map to this job, from the qualifications that cover it.

  1. Operating payment by instalmentsBIIAB · covers 3 of 10 standardsLevel 3
  2. Payment Processing PracticeChartered Institute of Credit Management · covers 2 of 10 standardsLevel 3
  3. Supervise practices for handling paymentsPearson EDI · covers 1 of 10 standardsLevel 3
These are the real units behind this job, in the order they rank for it. Nothing here is marked done, because this plan has not been started by anyone yet. Yours would fill in as you go.

The rising capability

Zavmo analysis

What's rising in its place

This is where the work is heading, and the higher pay with it. Get fluent here and the shift stops being a threat and starts being your edge.

Advanced Prompt Engineering for Financial Analysis

AI is rapidly changing how we analyse data and generate reports. Analysts who can effectively 'talk' to large language models (LLMs) will outproduce peers significantly. This isn't just a nice-to-have; it's becoming a productivity superpower.

  • Context Windows & Token Limits
  • Output Validation & Hallucination Detection
  • Prompt Chaining for Complex Tasks
  • RAG (Retrieval-Augmented Generation)

What you’ll use

Skills this role draws on

Technical

  • Payment Flow Orchestration
  • Chargeback Management & Representment
  • Settlement & Payout Reconciliation
  • Fraud Prevention Fundamentals
  • Alternative Payment Method (APM) Awareness

The pathway

How you actually get there, here

How you become one varies far more by country than what one does. This is the UK route. Most people take one of these ways in; the right one depends on where you're starting from.

  1. 1

    Payments Operations Analyst (L1)

    1-2 years

    Skills to master

    • Daily reconciliation tasks, basic fraud queue review, processing refunds, understanding payment terminology, following established runbooks.

    You're ready to move on when

    • Consistently accurate daily reconciliation.
    • Independent handling of routine payment queries.
    • Proactive identification of minor operational issues.
    • Strong grasp of our core payment gateway dashboards.
  2. 2

    Junior Finance Operations Specialist

    2-3 years

    Skills to master

    • General ledger reconciliation, accounts receivable management, basic financial reporting, understanding financial controls.

    You're ready to move on when

    • Proven ability to reconcile complex accounts.
    • Strong attention to detail in financial data.
    • Understanding of financial close processes.
    • Demonstrated ability to identify and resolve accounting discrepancies.
  3. 3

    Customer Support Specialist (with Payments Focus)

    2-4 years

    Skills to master

    • Resolving complex customer payment issues, understanding common decline codes, navigating payment systems from a customer perspective, strong communication skills.

    You're ready to move on when

    • High customer satisfaction scores for payment-related issues.
    • Deep knowledge of payment troubleshooting steps.
    • Ability to explain complex payment issues clearly to customers.
    • Proactive in flagging recurring payment problems.

11Where this role leads

The long view:Your journey here isn't just a job; it's a chance to build a really strong career in a critical and ever-evolving part of finance. We're here to help you get there, whatever your ambition.

Pay & demand

Pay and demand for this role will appear here, each figure traced to a named authoritative source (e.g. the ONS Annual Survey of Hours and Earnings, under the Open Government Licence). We don’t show numbers we can’t attribute.

The ten Future Fluencies

Zavmo analysis

The credential is what you can do today. These are what keep you valuable.

A qualification proves you can do the job as it's defined today. These ten are what decide whether you're still the obvious person for it in five years. They're the capabilities employers are now writing into senior roles faster than people are learning them. Zavmo weaves them through whatever you study, so you come out with both: the credential and the fluency.

The highlighted ones are the Fluencies your role leans on hardest, from how Digital Payments Specialist is actually changing. In about two minutes, the free confidence check asks where you stand on each of the ten. That's the whole check, and it's what makes the plan yours rather than generic.

Where it leads

Roles this leads to

12The team that's yours

No two people are taught the same way. This is one-to-one, not one-to-many.

Zavmo is a hyper-personalised AI learning platform. Twelve virtual tutors, each with a different way of teaching, and one orchestration agent that picks the right one for the moment. So every single lesson is shaped around you, your role, and the way you learn. Not a course everyone sits through. A conversation built for you, and no one else.

…and nine more, matched to you after your first chat. Meet all twelve

Start free and meet yours

13What it feels like

A conversation, not a course

Because your tutor knows your role, your projects and your last session, learning sounds like this. And it's different for every single person:

Operating payment by instalmentsLevel 3

Applied to your work in Digital Payments Specialist

This unit aims to equip learners with the ability to arrange payment by instalments, monitor payments, manage failed payments, and comply with all relevant codes, laws, and regulatory requirements.

How the thinking builds
  1. Remember
  2. Understand
  3. Apply
  4. Analyse
  5. Evaluate
  6. Create
An illustration of a Zavmo lesson, built from this role’s own route. The unit, its objective and every criterion above are the awarding body’s own words, not an example.

One to one, not one to many

No two people run this the same way

A course is written once and handed to everyone. This is assembled around you, and keeps changing as it learns you. Five things it reads, and what each one changes.

  1. Your actual work Every lesson is taught against a live piece of your own work, not a worked example from a textbook.
  2. What you already know The first conversation finds your starting point, so you skip what you can already do and spend the time on what you cannot.
  3. The conditions you learn under Not a learning-styles quiz. The evidence does not support those. The dimensions the research does back, read once and used to shape the plan.
  4. How far you got last time It picks up mid-thought. The tutor knows what you said, what you struggled with, and what it asked you to try.
  5. Which tutor suits the moment Twelve of them, each for a different kind of thinking. The one who walks you through a first idea is not the one who stress-tests it.

See how you learn, free. Eight questions, no sign-up. A directional taster; the diagnostic inside Zavmo goes deeper and keeps adapting.

DemonstrateIllustration

Evidenced on your work in Digital Payments Specialist

You do not finish by watching something. You finish by showing it on the work you already do, against the measures this job is judged on.

  • Chargeback Win RateThe percentage of chargebacks we successfully dispute and win back.If we get 100 chargebacks in a month and you successfully represent 45 of them, that's a 45% win rate. Every win is money back in our pocket.> 40%
  • Reconciliation VarianceThe difference between what our payment processors say we settled and what actually hits our bank account, after accounting for fees and refunds.If a settlement batch is £100,000, we expect any unmatched variance to be less than £10. You'll be the one finding that £10.< 0.01% on settled batches
  • Fraud Queue Review TimeHow quickly you review and action transactions flagged by our fraud detection systems.A customer makes a purchase, it gets flagged for fraud, and you need to review it fast. If you take 30 minutes, the customer might abandon their cart or get frustrated.< 15 minutes per case
  • Ticket Resolution SLAThe percentage of payment-related support tickets (from internal teams or customers) that you resolve within our agreed service level agreement.If Customer Support raises 50 payment queries in a week, you're expected to close 48 of them within a day. Quick resolution keeps everyone happy.95% of tickets resolved within 24 hours
These are this job's own measures, with its own targets. Nothing is marked evidenced, because nobody has started this yet. Yours would fill in from the work you bring.

Your passport

This isn't a certificate you file away. It's a passport to the life you're designing.

Every credit you earn and every fluency you build adds up: evidence where it counts, carried with you. Zavmo keeps the map: where you are, where you're heading, and the next step, at your pace, around your life. From Digital Payments Specialist to Senior Digital Payments Specialist (L3), and whatever you decide comes after.

Level 3 · in progressAI Fluency→ Senior Digital Payments Specialist (L3)→ your design
Where this takes you

Your journey here isn't just a job; it's a chance to build a really strong career in a critical and ever-evolving part of finance. We're here to help you get there, whatever your ambition.

See Your Progress GrowIllustration
Digital Payments Specialist
  • Payment Flow Orchestration
  • Chargeback Management & Representment
  • Settlement & Payout Reconciliation
  • Fraud Prevention Fundamentals
  • Alternative Payment Method (APM) Awareness
This is your Mind Palace on learn.zavmo.ai. Every skill above comes from this role's own record, not an example borrowed from another job. A node lights up when you evidence it, and what you build stays yours between jobs. That is the part a course cannot do.

14The detail, folded away

Everything else the record holds

The career branches in full, how AI is already showing up in the day-to-day, and the questions people ask about this job. Here when you want them, out of the way while you decide.

Where it leads next, rung by rung

Where it leads

The career path, and where it branches

Digital Payments Specialist is a start, not a ceiling. Each step below asks for new skills and hands back more autonomy.

  1. Senior Digital Payments Specialist (L3)

    3-5 years in current role

    You'll move from independently executing tasks to leading workstreams and mentoring others. You'll tackle more complex problems and start influencing process design.

    • Interchange Optimisation strategies
    • Designing new reconciliation rules in software
    • Advanced fraud rule writing and tuning
    • Leading new APM integrations from an operational perspective
Working with AI on the job

Working with AI

Where AI is starting to help

Let's be real, parts of payment operations can be a bit of a grind. But what if you could cut through the manual work and focus on the really interesting stuff? Our AI Productivity Hub is designed to do just that, giving you superpowers to tackle reconciliation, fraud, and chargebacks faster and smarter.

In this Digital Payments Specialist role, AI isn't here to replace you; it's here to make you incredibly efficient. Think of it as your super-smart assistant, handling the tedious, repetitive tasks so you can spend more time on complex problem-solving, strategic analysis, and actually getting to the root of payment issues. We're talking about freeing up your time to be more impactful.

Automated Reconciliation Copilot

Imagine AI tools that ingest bank statements and processor settlement files, automatically matching 99% of transactions. You'll only need to investigate the true exceptions, saving you hours of manual matching, especially around month-end close. No more squinting at spreadsheets for hours!

Predictive Fraud Analysis

Use AI/ML models to analyse transaction data in real-time, identifying subtle, emerging fraud patterns that rule-based systems would miss. This means you can proactively create new rules and stop fraud before it costs us, rather than constantly reacting to it.

Global Expansion Research Assistant

Planning to launch in a new country? Use an AI assistant to instantly summarise the payment regulations, dominant local payment methods, and typical consumer behaviour for that region. It'll accelerate your market entry research, giving you a head start on understanding the local payment landscape.

Chargeback Representment Drafter

AI tools can automatically generate a first draft of a chargeback dispute response. It pulls transaction details, customer history, and delivery confirmation, tailoring it to the specific dispute reason code. This means you'll spend less time on repetitive writing and more on crafting winning arguments.

Common questions

Common questions

How do you become a Digital Payments Specialist?

Common routes in include Payments Operations Analyst (L1) (1-2 years), Junior Finance Operations Specialist (2-3 years) and Customer Support Specialist (with Payments Focus) (2-4 years). Times vary with prior experience.

Where can a Digital Payments Specialist progress to?

This role can lead on to Senior Digital Payments Specialist (L3) (3-5 years in current role), depending on the skills you build.

What level is a Digital Payments Specialist in the UK?

This role aligns to RQF Level 3 on the UK framework, a guide to the depth of qualification it maps to, not a hard entry bar.

What new skills matter most for a Digital Payments Specialist?

Increasingly, Advanced Prompt Engineering for Financial Analysis. These are the areas where the higher-paid, future-proof work is heading.

The honest bit

You’ve started things before

Most of them were built for a room full of people who aren’t you. A cohort moves on whether or not your week allowed it, and by the third week the thing you’re behind on becomes the reason you stop opening it.

There’s no cohort here, and no timetable to fall behind. Before anything starts, Zavmo asks when you’re sharpest and how long you can realistically sit down for, then builds the sessions around those answers. A bad fortnight changes your pace. It doesn’t put you behind.

And you only pay once you start learning. Searching and planning are free, and you can cancel any time — so the cost of finding out is an afternoon, not a year.

What it costs

Less than one coaching session. Every month.

A single career-coaching hour costs more than a month of this, and it ends when the hour does. Zavmo doesn't. It's £70 a month, about £2.30 a day, for a companion that knows a Digital Payments Specialist, works on the job you actually do, and keeps going at your pace rather than a timetable's.

  • Searching and planning stay free. You only pay when you start learning.
  • Your credits are yours. Regulated, and they don't vanish when a subscription ends.
  • Cancel any time and billing stops. No notice period, no minimum term.

Your path, personalised

You have the map. Walking it is the part we do together.

This route runs to 10 national skill standards. That is a real journey.

Zavmo shapes a learning experience as unique as you are. It fits how you learn, your pace and the work you already do. Every step stays benchmarked to recognised national standards. That’s the plan for becoming a Digital Payments Specialist: personal to you, and it still counts. The first steps are free.

Independent research finds well-designed intelligent tutoring performs nearly as well as one-to-one human tutoring: VanLehn (2011), Educational Psychologist.

A private tutor in the UK averages £35–40 an hour . Zavmo is £70/month.

A real plan on learn.zavmo.ai: Ofqual-regulated units, credits, and a three-month run at your own pace.
Start free No commitment. See your first steps free.

15Where to go from here

Other roles at Level 3

Same depth of qualification, different job. Useful if the work appeals but this particular role does not.

Other roles in Finance roles

Stay in the field you know and move sideways rather than up.

If you leave this industry

The skills you'll gain in this role are highly transferable across the finance sector, particularly within fintech, e-commerce, and any organisation dealing with high volumes of digital transactions. You could move into roles focused purely on fraud, treasury, or broader finance operations.

Not sure this is the right direction?

Work out what you actually want from work first, then come back and see which roles fit it. Takes about ten minutes.

This role profile is © 2026Growth Engineering Technologies Ltd. Built from UK occupational standards and regulated qualification data, and written for Zavmo.

You're not behind. You're right on time. The shift is only just beginning. Your role won't look the same in two years. Be the one who leads the change, not the one it happens to. Build my plan, free Here's the first ten minutes: a 2-minute confidence check → your personalised roadmap → meet the tutors matched to you. No card, cancel any time. No card. Build your plan, see your roadmap and meet the twelve tutors matched to you. All free. When you're ready to start learning, it's £70 a month, billed monthly. Cancel any time and billing stops.