Select Page

Merchant Accounts

The easiest way to get signed up with a merchant account is by using our bulk-buying-power – over £500 million in transactions each year by business we've advised on merchant accounts.

Opayo Sage Pay Elavon

Opayo by Elavon – Formerly Sage Pay

Opayo is the new name for Sage Pay after their acquisition by Elavon Digital Europe Limited from Sage Group PLC.

Elavon Digital Europe Limited

Itself a subsidiary of the US company Bancorp. Elavon are one of the largest payment processors in the world, processing several trillion annually for their customers.

Sagepay Elavon

Elavon is active in ten countries and claims to be Europe’s fourth-largest merchant acquirer, fighting rivals like as Global Payments, Vantiv, FIS, Ingenico, Verifone, Stripe, Chase Bank, MasterCard and Visa.


Opayo is moving forward as major playing in the merchant services sector and offers a range of payment solutions. Among the multiple payment methods businesses can accpt via Opaya are:

  • Online payments
  • Payment gateways
  • Phone payments
  • Face to face payments
  • Virtual Terminal

Opayo is a PCI Level 1 Service Provider – the highest level of security for PCI DSS compliance in the industry. They handle payment information securely from start to finish using encryption, tokenization and EMV technology.

Payment Providers

Opayo give merchants the ability to process transactions and taking payments via virtual terminals or by accepting online payments into their merchant accounts

Online Payments

With over 100 currencies supported, it’s easy to accept online payments from international customers in their own currency for foreign transactions and local European payment types using dynamic currency conversion.

Payment Gateway

Opayo supports all the functions to accept card payments and can provide in-depth reports on your transactions.

Virtual Terminal

Opayo virtual terminal enables payments via e-mail or phone and can be used for payments from customers where it is not possible to process a card payment in-person.

What is a Payment Gateway?

A payment gateway is the secure bridge between your online store and the banking system. They are mainly used to accept card payments, control recurring billing and provide advanced analytics.

Phone Payments

With Opayo you can easily take secure payments over the phone. Telephone payments are used when customer payment data (card details) is given over-the-phone and input into a virtual terminal for payment processing.

Mobile Payments

Opayo provides a free mobile-optimised template that lets users take payments on the go with their phone.

Face to Face Payments

Opayo helps you offer an efficient and smooth face-to-face experience that boosts sales and improves customer relationships as opposed to payments over the phone for example.

Opayo are committed to providing secure online transactions for customers, which is why all credit card payments made are processed via the Payment Card Industry Data Security Standard (PCI DSS).

Contactless Payments

Opayo now offers contactless payments for mobile devices. Contactless payment via NFC (Near Field Communication) is becoming increasingly popular. A contactless payment simply requires users to touch or hold their mobile device close to the retailer’s terminal rather than enter a PIN or sign.

Opayo for Small Business

Opayo is designed to be easy to use, helping smaller businesses compete with larger ones by allowing them the opportunity to take credit card payments over the phone (using a virtual terminal), online or face to face.

Opayo for Large Scale Business

Opayo provide a bespoke pricing tariff for larger well as a myriad of other benefits such as, 24/7 live customer support and the option to take international transactions.

Opayo for Ecommerce Businesses

Opayo provides everything you need for an efficient online store. You can process payments and receive in-depth reports on your transactions so you can be sure that your business is running under the best possible conditions.

Sage Solutions

Taking over from Sage Pay, whether you’re a startup or an established global business, they can offer developers merchant support to integrate Opayo and provide a tailored and secure payment solution to accept payments.

Despite the new name and branding Opayo is still offering the same products and service so you can access all the tools you need in a similar way to the old Sagepay login.

Sage Pay

What is Sage Pay Now Called?

Sage Pay is now called Opayo. They provide a range of payment solutions for both merchants and customers.

Is Opayo secure?

Opayo is PCI Level 1 Service Provider.

Enjoy peace of mind that Opayo is the most secure way to take card payments online.

Is Opayo a Payment Processor?

Opayo is an Payment Processor and Merchant Services Provider

They offer a full range of financial services to merchants and all transactions are secure and PCI DSS compliant.

Is Opayo a Payment Gateway?

Opayo offers a solution to process payments that is PCI Level 1 compliant.

They help you set up credit card acceptance on your website with just a few clicks.

Opayo / Sage Pay Fees

Opayo formerly Sage Pay Monthly Fees (June 2021)

Package Features Monthly Fees
Flex 350 transactions per month


Free fraud screening tools
No set up fees – All major debit and credit cards accepted
24/7 support
Virtual terminal included (MOTO)
No fees for refunds
12p per transaction above 350 transactions
Plus 350 transactions per month – 500 token payments £45
  Free fraud screening tools  
  Access to Fast Pass customer support  
  12p per transaction above 350 transactions  
  Accept a range of local European Payment types  
3000+ transactions per month POA
  Fixed rate per transaction  
  Estimate your usage and pay up front for discounted pricing  
  Bespoke fraud screening tools  
  Priority support services  
  Dedicated account manager  


Payzone merchant services is a payment processing company that has partnered with takepayments, in fact takepayments changed their name from Payzone UK Limited to takepayments Limited in January 2020. Nothing else has changed according to their statement at the time....


Epos Now are a company specialising in EPOS equipment and EPOS systems. "Epos Now promises to always deliver reliable service and upfront, honest pricing with no hidden surcharges." POS System EPOS System EPOS stands for Electronic Point of Sale - this describes the...

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, card terminals and POS Virtual terminal and telephone payments available Sage Pay has a very secure payment...

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...


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.

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.


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.


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,...

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 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.

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


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

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.

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...

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...


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...


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 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 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.

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


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.


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...


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...


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...

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 packages for selling with pay-later options with Checkout, Instore and Instant Shopping options, 3 easy options for customers to pay for their order and simple integration into your existing checkout solution means you can be up and running in no...

Lloyds Bank Cardnet

Lloyds Bank Cardnet offer a full-range of services allowing you to accept payments simply and easily, in person, online and over the phone.Lloyds Bank Cardnet Clover Clover is an innovative point of sale (POS) system that adds real value to your business. Accept...

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...

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...


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


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...


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 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...


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...


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...


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...

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


Sum Up offer the card reader without a contract, SumUp offer card processing with no fixed costs and quick sign up. No fixed costs SumUp offer one fee per transaction. Any card. Reliable technology SumUp provide their own designed and branded card readers available to...

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. Elavon offer a range of payment processing solutions to take...


SimplyPayMe is the company that says "Run your business from your phone", using their subscription free and no obligation phone app that enables seamless payments, invoicing and simple business management solutions, all through your smartphone. The Simply Pay Me app...