Merchant Account Providers UK

Merchant Account Providers UK

Merchant Account Providers UK

The big list of merchant account providers for UK business with links to merchant account reviews and card processing fees.

Top UK Merchant Account Providers

Fees, reviews and ratings for ten of the most popular providers. Are they the best and do they offer the lowest rates applicable for your business to process card payments? You’ll need to take in costs, fees and the whole spectrum of merchant services that apply to you to find out. It’s a painstaking process alright but we could do this for you and it’s a completely cost free service we offer. Use our interactive merchant services review and spend fewer than 60 seconds to get started.

Sage Pay

Sage Pay is now Opayo. Secure payments for merchants from the most reliable UK payment provider.

Features

Trusted by thousands of businesses
Offers online payments, card terminals and POS
Virtual terminal and telephone payments available

First Payment

Launched in 2011 First Payment Merchant Services wanted to make a difference in the payments industry and have managed to do exactly that! First Payment Merchant Services are now one of the UK’s leading independent processing providers.

Features

Processed with over 288 Million Transactions a Year
Next-day replacement for card terminals
Online dashboard with real-time reporting

Verifone

Verifone offer facilities for taking payments through an e-commerce website or app.
A single global unified platform to provide your customers a seamless payment experience with any payment method.

Allied Wallet

Allied Wallet offer facilities for taking payments through an e-commerce website or app.
Allied Wallet is one of the leading turnkey payment gateway solutions in the industry.

Transax

Transax offer facilities for taking payments through an e-commerce website or app.
Transax Merchant Services provide same day card payments with the newest card machines, with TRANSAX, you’ll get paid on the same working day for your customers’ card transactions, straight into your bank account!

FIS owned company boasts over 3 Million point-of-sale, MOTO and e commerce card payments processed every day.

Features

Payment gateway consolidates the processing of all your credit card, debit card, charge card (and fuel card) payment transactions
Process, transmit and store data more securely using TRANSAXpay EFT Software
FIS Payment Gateway

SmartDebit

SmartDebit offer facilities for taking payments through an e-commerce website or app.
The UK’s leading Direct Debit service provider with over 20 years’ experience in creating payment solutions for companies and organisations of all sizes.

Retail Merchant Services

Retail Merchant Services offer facilities for taking payments through an e-commerce website or app.
Retail Merchant Services payment technology helps you transform your customer experience, enabling you to thrive in an ever-changing marketplace.

NetPay

NetPay offer facilities for taking payments through an e-commerce website or app.
NetPay are an award-winning payment service provider. Offering a range of face to face, online and over the phone payment services.

Cardstream

Cardstream offer facilities for taking payments through an e-commerce website or app.
Cardstream is a global connector of payments with full end-to-end white label payment gateway to modular solutions, covering all your payment requirements.

Axcess Merchant Services

Merchant account solutions to fit your business model. Greater choice, flexibility and bespoke merchant account arrangements.

Features

Offers 51 alternative payment methods
Works with 391 acquiring banks worldwide
Provides two PCI Level 1 gateways

Amazon Pay

Amazon Pay offer facilities for taking payments through an e-commerce website or app.
Amazon Online Payment Gateway Service offer the hundreds of millions of Amazon customers a fast and familiar payment solution.

Stripe

Stripe bring together everything that’s required to build websites and apps that accept payments and send payouts globally.

Features

Take online payments, in-person payments and subscription payments.
Supports software platforms and marketplaces
Send invoices

Shopify

Known as a subscription based, e-commerce website platform Shopify also provide electronic payment facilities for their subscribers.

Features

Fees from 0.5% to 2% based on subscription level from $299 to $29 per month
Easy drag-and-drop web store creation to sell your products
App based store available

Monek

One global payment platform. All payment types, in-store, online and by phone.

Features

Offers online payments, card machines and integrated terminal solutions
Dynamic fraud protection
Accepts the world’s most popular payment types

HSBC Merchant Services

HSBC offer card payments solutions for UK businesses through their partner Global Payments.

Features

Offers online payment solutions via Global Iris
Accept payments in various currencies
Offers fraud protection services

Bank of Ireland Payment Acceptance

BOI believe in Smarter Card Acceptance, allowing all our merchants to seamlessly accept card payments in-store, online or on the move.

Features

Virtual terminals, payment gateways and online payment services
In-store payments with no hidden fees
All BOIPA card terminals are enabled to accept Google Pay, Apple Pay and Samsung Pay transactions

First Payment Merchant Services

First Payment Merchant Services offer facilities for taking payments through an e-commerce website or app.
Launched in 2011 First Payment Merchant Services wanted to make a difference in the payments industry and have managed to do exactly that! First Payment Merchant Services are now one of the UK’s leading independent processing providers.

Cybersource

Cybersource offer facilities for taking payments through an e-commerce website or app.
A VISA solution. Flexible, secure commerce solutions for everyday life.

Global Iris

Global Iris is Global Payments simple, professional way of streamlining your eCommerce presence.

Features

Easy telephone payments
Online payment gateway with a powerful suite of options that can be integrated seamlessly into your business
API available, host the entire payment process within your site

Braintree

An online payments solutions provider, global payments processor and partner of Global Payments.

Features

Modernized, optimized payments experience
Leverages the PayPal network and next-generation technology
Manage internal costs and automate back-end processes

Handepay

Handepay offer facilities for taking payments through an e-commerce website or app.
Handepay offer merchants card payment solutions for face to face, online or phone payments.

Cardsave

Cardsave offer facilities for taking payments through an e-commerce website or app.
Cardsave is now Worldpay who are owned by FIS, support more than 1,000,000 merchants worldwide and process over 40 billion transactions annually. With more than 300 payment methods.

Credorax

Credorax offer facilities for taking payments through an e-commerce website or app.
Credorax offer a range of smart acquiring solutions to maximise your business potential with competitive pricing, high approval rates, rapid onboarding and 24/7 support.

Paysafe

A global leader in payments, serving businesses of all shapes and sizes across 120 markets.

Features

Issue prepaid and eCash products throughout the EEA
Seamlessly integrated e-commerce platforms such as Magento, Shopify, WooCommerce, and many more
Integrate Vindicia into your payment processing to maximise conversions rates and retain customers

Natwest

Make and receive fast, secure, and cost-efficient payments directly to and from your business account. Natwest provide flexible payment solutions that enable your business to trade effectively in the UK and around the world.

Features

Latest technology and payment standards
Electronic bank-to-bank links
Make and receive payments online or by telephone

Zettle

Zettle by Paypal make modern point-of-sale (POS) products designed to simplify every workday. Focused on POS and merchants making face-to-face transactions.

Features

Offers Zettle card readers
Offers Zettle EPOS systems
Never miss a payment, speed through transactions and track everything automatically

Fiserv

Payments and business solutions made easy with Clover. Start taking card payments safely and easily.

Features

Complete all-in-one POS (point of sale) solution available as mobile, handheld and countertop devices
On-the-go payments, in-store payments and online payments
Serving the UK for 30+ years

Card Cutters

Card Cutters offer facilities for taking face-to-face card payments.
Card Cutters are a trusted Card Acceptance and Payment Solutions Specialist in the UK and Ireland offering the latest payments technology and merchant services to a wide range of businesses.

Klarna

Klarna offer facilities for taking face-to-face card payments.
Klarna offer packages for selling with pay-later options with Checkout, Instore and Instant Shopping options.

Lloyds Bank Cardnet

Lloyds Bank Cardnet offer facilities for taking face-to-face card payments.
Lloyds Bank Cardnet offer a full-range of merchant services allowing you to accept card payments simply and easily, in person, online and over the phone.

Global Payments

Global Payments offer merchants leading software solutions and world-class expertise.

Features

Offer businesses the option to accept payments online, mobile, in-store and more
Products and services to help you grow your business and create loyal customers
Powers secure ecommerce and online payment acceptance

Smarttrade App

Smarttrade is now SimplyPayMe – Take payments anywhere, anytime with SimplyPayMe’s flexible, low-fee payment options.

Features

Process card payments with your smartphone or tablet and a 3G connection
The SimplyPayMe Pay by Bank app allows you to send you invoices via text
PayLink with a 1.65% + 20p transaction fee

Paymentsense

Paymentsense use the combined buying power of 70,000 customers to keep rates really low.

Features

Enables merchants to take payments via card machines, payment gateway and pay-by-link
PCI phone validation
Currently help over 80,000 businesses

Authorize.Net

An American card processing provider operating as Cybersource in the UK.

Features

Modular platform supports seamless payments and a global footprint using a single integration
Expert help to reduce fraud and accept more valid orders
Providing online and in-person card payment solutions that reliably secures the transmission of payment card data

Adyen

Experience more approvals on every single payment with local and global payment processing, data-driven optimizations, and powerful risk management.

Features

Accept cards, mobile wallets and more on any digital channel or device
Payment terminals and in-store POS setups
Unified Commerce, all your payment data feeds into the same system

SecurionPay

SecurionPay offer facilities for taking face-to-face card payments.
SecurionPay offer web and mobile payments with the highest level of security via their online payment platform designed to maximize revenue specialising in minimizing chargebacks with anti-fraud tools.

Santander

Santander offer merchant services provision for UK businesses via Elavon.

Features

Take payments online, over-the-phone or contactless or POS in-store
Fast settlement for payments into Santander business accounts
Take customer payments via Apple and Google

First Data

First Data is now Fiserv, Payments and business solutions made easy with Clover.

Features

Complete all-in-one POS (point of sale) solution available as mobile, handheld and countertop devices
On-the-go payments, in-store payments and online payments
Serving the UK for 30+ years

Worldpay

Worldpay support more than 1,000,000 merchants worldwide and process over 40 billion transactions annually. With more than 300 payment methods.

Features

Accepts traditional and alternative payment types anywhere, any time, on any device
Enhanced checkout experiences
Leading fraud intelligence tools

Positives

  • 24 Hour Support
  • Card Machines/Epos Available
  • Range of Flexible Pricing

Negatives

  • 18 Month Contract Minimum
  • Does Not Include Dedicated Account Management

Paypal

Paypal is a popular and well-known provider for online payments with an easy set up process for businesses in the UK. Often favoured as a starting-point for merchant services by small businesses Paypal also offer a full-suite of electronic payment options, scalable to any size.

Features

Fast checkout for customers with a Paypal account
Fees from 1.5% plus 30p – standard rate at 2.9% plus 30p per transaction
Integrated with all the major shopping carts
Also supplies card machines

iZettle

iZettle is now Zettle by Paypal make modern point-of-sale (POS) products designed to simplify every workday. Focused on POS and merchants making face-to-face transactions.

Features

Offers Zettle card readers
Offers Zettle EPOS systems
Never miss a payment, speed through transactions and track everything automatically

Square

Set up a free online store that syncs with your inventory and your social media. Get set up with the right solutions for you.

Features

Accept payments anywhere
Offers the popular Square Card Reader
Provides virtual terminals, checkout links, invoicing and gift cards

Opayo by Elavon

Opayo by Elavon offer facilities for taking face-to-face card payments.
Opayo by Elavon offer simple pricing packages in three tiers, Flex, Plus and Corporate for online payments, with a range of Corporate or Small Business Solutions for virtual terminals. Opayo by Elavon also offer EPOS systems for face-to-face payments from customers.

Secure payments for merchants from the most reliable UK payment provider.

Features

Trusted by thousands of businesses
Offers online payments, card terminals and POS
Virtual terminal and telephone payments available

Paypoint

Paypoint help over 28,000 retailers across the UK drive more footfall, save time, get valuable business insights and grow profitability.
Features

Next generation EPoS with PayPoint One
Seamless card payments with PayPoint One
Ingenico PIN pad is included in the PayPoint One package at no extra cost

Secure Trading

Secure Trading offer facilities for taking face-to-face card payments.
Secure Trading provide intelligent omnichannel payment solutions to accelerate the growth of your business. Let your customers pay the way they want to. Secure Trading complete omnichannel payments solution has customer convenience at its core.

Barclays

Barclays offer facilities for taking face-to-face card payments.
Barclaycard Business offer a full-range of card payment solutions from a variety of card readers both contracted and informal, online payments and virtual terminals.

Barclaycard from Barclays Bank PLC provide business payments for UK merchants with a full-range of options for taking customer payment.

Features

Flex mobile card reader with prices from just 1.1% per transaction and no joining or cancellation fees
Online payment gateways with active fraud filters
Take payments by over-the-phone or using the app

AIB Merchant Services

AIB or Allied Irish Bank are a payment solutions provider originating in Ireland but available to merchants in both Britain and Ireland.

Features

Supplies POS for in-store payments from the Clover POS range
Provides Authipay to take online payments

SumUp

SumUp offer facilities for taking face-to-face card payments.
The card reader without a contract, SumUp offer card processing with no fixed costs and quick sign up. SumUp offer bespoke rates for businesses with more than £250K annual turnover.

EVO Payments

Founded in 1989, EVO Payments process around $80 billion in payments pass through our systems around the world every year.
Features

Accept payments in store, in app, online or over the phone
Integration for software developers
Various pricing plans

First Data / Fiserv.

First Data / Fiserv. offer facilities for taking face-to-face card payments.
First Data are a global leader in merchant services with a full-range of facilities for small to multi-national business.

Elavon

Elavon has the expertise to integrate emerging technologies, security and PCI DSS compliance for a payment solution that can mean the difference between satisfied customers and delighted ones.

Features

Tailored online stores and e commerce solutions
Anytime, anywhere in-app phone payments
Same day funding

SimplyPayMe

SimplyPayMe – Take payments anywhere, anytime with SimplyPayMe’s flexible, low-fee payment options.

Features

Process card payments with your smartphone or tablet and a 3G connection
The SimplyPayMe Pay by Bank app allows you to send you invoices via text
PayLink with a 1.65% + 20p transaction fee

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