If you want to expand into online sales or you currently run a business that does you will need an online payment gateway to process your online payments for you. There are a wide variety of providers offering these solutions that can either host the checkout for you or allow you to integrate the checkout into your website.
We’ve explored many of the providers to see what they can offer so take a look below to see which offer the solutions that you need.
The table below gives a quick price comparison of the top UK providers payment gateways and online payments.
Company | Card Processing Fees |
---|---|
Worldpay | 2.75% (credit cards) & 0.75% (debit cards) |
Square | 2.50% |
PayPal | from 1.9% + 20p |
Shopify | From 1.6% + 20p |
Barclaycard | Not stated |
Stripe | From 1.4% + 20p |
Klarna | Not stated |
Opayo | Not stated |
PayPoint | Not stated |
Payzone | Not stated |
Adyen | Not stated |
First Data | Not stated |
Paymentsense | Not stated |
Elavon | Not stated |
Global Payments | Not stated |
Ingenico | Not stated |
Trust Payments | Not stated |
Verifone | Not stated |
Digital River | Not stated |
Retail Merchant Services | Not stated |
CCBill | From 3.9% |
Handepay | Not stated |
nochex | Not stated |
CyberSource | Not stated |
Paysafe | Not stated |
Worldline | Not stated |
WePay | Not stated |
NMI | Not stated |
ecoPayz | Not stated |
Checkout.com | From 0.25% |
2Checkout | From 3.5% |
i-Payment | Not stated |
EVO Payments | Not stated |
Braintree | From 1.9% |
card cutters | From 9p per transaction after first 350 |
BlueSnap | From 1.4% |
Cardstream | Not stated |
emerchantpay | Not stated |
Pomelo Pay | 1.49% (UK + EU); 2.7% for everyone else |
* The facts and figures included here come from each company’s website and were accurate at the time of writing but may have since changed. Also, please keep in mind these may not be apples to apples comparisons as each provider offers different solutions. This guide should be used as a starting off point for more research on your part.
Below we profile each of the companies’ services and features in a bit more detail.
Note companies are ranked in no particular order and this no way indicates one solution is better than another.
Topics
1. WorldPay
Some of the features and benefits of WorldPay’s payment gateways and online payments.
- Offers services across multiple channels not just online
- Transparent and simple pricing
- No joining fees
- Reliable security with advanced fraud protection
- Accepts a wide range of payments
- Accepts payments from across the world
- Offers subscription payment plans
- Flexible pricing plans that support businesses of all sizes
- 24/7 UK based support
- A large well-known provider
WorldPay offers a payment gateway for receiving online payments that is secure and safe with advanced fraud protection to give peace of mind for both businesses and customers. They accept a wide range of payments including all major credit and debit cards and PayPal.
WorldPay can process payments from across the world and in 116 currencies. They can also set up payments that can recur like subscription payment plans as well as processing payments through physical card payments and virtual payments. WorldPay has four payment plans to cater for different business needs that offer stability, flexibility, customisation or pay-as-you-go.
2. Square
Some of the features and benefits of Square’s payment gateways and online payments.
- Accept payments online, in-store and virtually
- Makes deposits quickly
- Secure and safe service
- Helps in setting up an online store
- An account that allows you to manage all your locations
- Support available by phone, email, and tweet as well as online guides
- Incorporates a sales reporting tool
- Offers real-time analytics
- Includes an inventory management tool
- Offers dispute resolution and chargeback protection
Square is a payment services provider that offers an online payment platform as well as point of sale systems and equipment, and virtual payments. They offer a service that is fast with deposits being received the next working day through their secure platform.
Square offers their customers support in setting up an online store through providing easy to use templates and themes which can get your store up and running quickly. You will not need coding to connect your site to Square as they provide simple integration. They also offer more complex online stores that will allow you to build a store with one of their open source partners.
3. PayPal
Some of the features and benefits of PayPal’s payment gateways and online payments.
- Receive online payments via both PayPal and card payments
- Quick payment clearance
- Accepts Apple Pay and Android Pay
- Integrates with most popular shopping carts
- Are protected by PayPal’s world-class security
- Customisable receipts
- Manage your inventory through their app
- Customisable reports
- 24/7 fraud protection
- A well-known brand that gives confidence
PayPal is more than just a safe way to pay for services and products online as they also offer a full range of payment services for businesses which include both online and offline. As a business, you can use PayPal as a payment method, but you can also use their services to collect and process payments either on your own site through a built-in checkout or through their online forms.
PayPal also works with all major and popular shopping carts and e-commerce platforms as they are integrated into them, so it makes using their payment processing simpler. Their payment processing service is protected by their world-class security and fraud protection.
4. Shopify
Some of the features and benefits of Shopify’s payment gateways and online payments.
- Offers payment processing through a variety of platforms
- Quick and secure payments
- Online payments integrated onto your website
- Allows you to add a buy button on to any site or blog
- Assists in receiving payments through Facebook and Facebook Messenger
- Can set up automated order updates
- 14-day trial available
- Global solution
- Scalable solution that can grow with your business
- Assists in creating your own Shopify shop front
Shopify was created to help smaller businesses to operate online through their online marketplace shop and through offering payment processing solutions. They operate across the globe and offer a wide range of payment options to make their customers’ businesses more accessible. Customers are encouraged to set up a Shopify store to sell their products and services through, but they also offer their payment processing independently.
Shopify offers both online and offline payments as well as integrating with other popular sales channels such as Facebook shop and Facebook Messenger. They also have created a buy button that allows businesses to add this to their websites, blogs or anywhere online.
5. Barclaycard
Some of the features and benefits of Barclaycard’s payment gateways and online payments.
- Competitive and transparent payment processing
- Offers a range of payment processing solutions including online, in-store and virtual payments
- Offer in-app payment solutions
- Integrated or hosted payment page
- Customisable payment page
- Accept all major credit and debit cards
- Cater for a wide range of businesses and sizes
- Safe and secure service
- Proactive fraud monitoring
- Industry leading platform reliability
Barclaycard offers a payment processing solution to businesses of all sizes and types. They offer established business support, a secure service with proactive fraud monitoring that gives customers peace of mind from a name that they trust.
Barclaycard offers both payment gateway solutions and a merchant service which allows businesses to source the complete online payment processing solution from one company. They offer either an integrated or hosted payment page to give flexibility and that caters for business at all stages in their development. The hosted payment page can be customised. They also accept all major credit and debit cards.
6. Stripe
Some of the features and benefits of Stripe’s payment gateways and online payments.
- Specialise in providing internet business tools
- Simple pricing with no hidden charges, setup or monthly fees
- Offers payments on the go
- A scalable solution which will grow with your business
- Mobile commerce on iOS and Android
- Reporting functionality
- Offers subscription businesses first-class support
- Offer accounting support
- Can export data into popular accountancy software
- Provide support to millions of businesses
Stripe offers a payment gateway for online payments to businesses of all sizes including new start-ups and large corporations. Stripe offers a payment processing solution which not only enables businesses to accept online payments but to manage the online business as well.
Stripe’s payment processing services include useful apps which can help businesses to understand themselves better so they can increase their revenue, managing income and prevent fraud. They have a cloud-based infrastructure supported by a powerful engine which makes transactions simpler and more secure. They specialise in internet payments and want to help businesses to grow online through offering the widest range of payment routes.
7. Klarna
Some of the features and benefits of Klarna’s payment gateways and online payments.
- Quick and simple consumer finance provider
- Integrates with any platform
- Offers a variety of online payment options
- Enable businesses to sell goods with payment 30 days later
- Can split payments into monthly instalments
- Allows payments to be automatically scheduled
- Completes credit checks
- Offer a risk-free guarantee that merchants will get paid even if Klarna isn’t paid by their customers
- They support a range of businesses and sectors
- Deliver payment solutions for over 100,000 businesses
Klarna aims to make online shopping easier for both their own customers and their customers. Klarna offers its customers a wide range of online payment solutions that are fairly unique. They offer a buy now pay later solution and instalment services for paying for goods. They offer two instalment options called Slice it and Slice it in 3. Slice it gives businesses access to customer credit checks and fast consumer finance. Slice it in 3 gives businesses the ability to schedule payments but with no interest or consumer fees. They also offer a risk-free guarantee which means that Klarna takes the risk for non-payment, not the merchant.
8. Opayo
Some of the features and benefits of Opayo’s payment gateways and online payments.
- Fast and secure service
- Simple and transparent pricing
- Multiple payment route solutions
- Drop in checkout that is easy to integrate
- Customisable payment forms
- High level of security
- 24/7 UK support
- Software that can integrate with Sage’s accountancy software
- Software that also provides valuable business insights
- Create for a wide range of businesses including start-ups
Opayo, formally Sage Pay, is a well-established provider that helps small to medium-sized businesses to process online payments through their payment gateway solution. They also offer in-store solutions and virtual terminals.
Opayo has a flexible and easy to integrate drop-in checkout that you can add to your payment pages which seamlessly takes payments for you. Alternatively, you can own the payment form and create your own customer experience. They were part of the Sage Group of businesses who provide financial and accounting products including accountancy software which the payment gateway can integrate with to create a wider business management solution.
9. PayPoint
Some of the features and benefits of PayPoint’s payment gateways and online payments.
- Multi-channel payment provider
- Provides an easy to use portal
- Integrates into your existing systems
- Stores customer’s cards to make repeat payments easier
- Flexible direct debit solution through an intuitive portal
- Bespoke branded payment page
- App integration solutions
- Bespoke branded app
- Real-time reporting
- Established payment provider
PayPoint’s payment processing solutions enable businesses to combine their payment channels into one payment portal with a single contract that can help to reduce your overhead costs. The brand name for their payment processing software solution is MultiPay which handles multi-channel payments through a wide variety of channels which includes online, over the phone through their virtual terminal, integrates with your app, text message payment, and direct debit payments.
PayPoint’s payment processing solution offers a service that is customisable and bespoke as you can brand the payment pages on both your website and apps. They provide real-time reporting to help you manage your business more effectively.
10. Payzone
Some of the features and benefits of Payzone’s payment gateways and online payments.
- Offer a wide range of payment solutions including online
- Integrates with over 50 carts
- Integrated payments on your website or pay links
- Also offer merchant accounts
- UK based support available 7 days a week
- No setup fees
- Safe and secure
- Fraud protection
- Well-established
- Rated highly on Trustpilot
Payzone offers businesses a single solution for payment processing as they offer a payment gateway and merchant account services that allow businesses to receive payments online, in-store, through portable card terminals, and virtual terminals.
Payzone offers a payment processing service that is safe and secure that prevents fraud and is backed up with 7 days a week support from UK based team. Payzone’s payment account will hold the payment whilst your customer’s card details are verified and funds are checked to cover the payment. They offer integration with over 50 shopping carts to maximise your online reach.
11. Adyen
Some of the features and benefits of Adyen’s payment gateways and online payments.
- Unified customer experience
- Receive all payments through one provider
- Accept all popular payment methods
- Integrated web-based system
- Manages your eBay Marketplace
- Real-time data and reporting
- In-depth data insights
- Secure and safe
- Their customers include many large global businesses
- A major player who processed transactions of over €108 billion in 2017
Adyen is a major player in the payment processing market that offers a wide range of solutions that help businesses accept payments throughout the globe, and their customers include eBay, Microsoft and Booking.com. Their payment solutions include online, in-store and eBay Marketplace transactions.
Adyen believes their payment processing solution offers the best service as they can unify your payments so that you can manage your business more effectively across platforms. They offer an integrated web-based system that can give businesses real-time access to businesses data and sales which can give in-depth insights into your business and customers.
12. First Data
Some of the features and benefits of First Data’s payment gateways and online payments.
- Dynamic e-commerce platform
- One system to manage all payments
- Track your payments
- Cloud-based software to access your data from anywhere
- Run loyalty or reward based programmes
- Option to manage employees
- Reporting facilities
- Inventory tracking
- Secure and safe service
- Offers solutions to a wide range of businesses
First Data provides a payment processing solution that is suitable for businesses from new start-ups through multinational businesses. They provide both online and offline payment solutions as well as wider business management support.
First Data uses an integrated cloud-based platform that you can access from anywhere to manage your business more effectively. Through their software, you can see all payments and track them as well as run reports and monitor your stock inventory. They also offer loyalty and reward programmes that can help you gain and retain customers. Through the reports, you can gain valuable insights about your customers.
13. Paymentsense
Some of the features and benefits of Paymentsense’s payment gateways and online payments.
- Low-cost merchant and payment processor
- Offers a full range of payment processing online and offline
- Customised checkout
- Easy to use plugins
- Compatible with over 40 carts
- Set up in as little as 3 days
- Online portal to view track and manage transactions
- Regular performance reports
- 24/7 support based in the UK
- Deliver services for over 60,000 UK small businesses
Paymentsense is a large payment processing business that supports small businesses across Europe to receive card payments online and offline. They use their combined buying power of their customers to negotiate better rates that benefit all their customers.
Paymentsense offers a simple online payment solution that enables businesses to integrate their own online payment form using their plugin and use technology that is compatible with over 40 shopping carts. Setting up your online payments can be completed within a few days. Once set up you can monitor and track your transactions through their online dashboard and reports.
14. Elavon
Some of the features and benefits of Evalon’s payment gateways and online payments.
- Simple and reliable service
- Integrated online and offline payments solution
- Accept payments including cards and PayPal
- Fast payment service with same day settlement
- Secure payment solution
- Simple integration
- Expert set up support
- 24/7 support service
- Powerful business management tool
- Online reporting system
Evalon is a UK based payment processing provider who provides a flexible and integrated service to small businesses to help them receive payments online and offline which includes in-store and virtual terminals.
Evalon’s online payment service offers a simple integration that also gives customers expert support in getting set up. Once set up customers can access the 24/7 support service and will also have access to Evalon’s online reporting system that can be a powerful tool to manage your business. They offer a safe and secure environment for payments that includes enhanced authentication and fraud protection.
15. Global Payments
Some of the features and benefits of Global Payments’ payment gateways and online payments.
- Online and in-app purchases
- Customisable payment page
- Put the customer experience at the heart
- Help you optimise sales conversion
- 1-click payments
- Reoccurring billing for frequent customers
- Global reach accepting 143 currencies
- Includes anti-fraud tools
- Reporting facility that offers valuable insights
- Available in 30 languages
Global Payments is a payment processing business that offers a payment gateway that allows businesses to receive online payments. They accept a wide range of payment methods through both online and offline payments which include in-app solutions.
Global Payments offer global reach to their customers as they deliver a service which accepts over 140 global payment types and in 143 currencies. Their payment pages are also adaptable and can be viewed in 30 languages. They offer convenience for customers with 1-click payments and reoccurring billing for frequent customers, as well as enabling businesses to customise their pages so that the customer experience is optimised.
16. Ingenico
Some of the features and benefits of Ingenico’s payment gateways and online payments.
- Seamless end-to-end payment solution provider
- Integrated payment solution
- Hosted payment solution
- Plugin solutions
- Incorporates loyalty cards and programmes
- Allows prepaid and gift card management
- Reporting facilities
- Enables customer data analysis
- Allows marketing campaign management
- Secure transactions with fraud protection built-in
Ingenico offers a global payment platform that enables businesses to access an end-to-end solution to fulfil all their needs through one provider. They provide both online and offline payment solutions to a wide variety of businesses.
Ingenico offers an online payment solution that can work for businesses of all sizes as they provide both hosted payment solutions and plugin solutions depending on your needs. They have created a platform that enables businesses to be creative and proactive with their customers as they offer the ability to run loyalty programmes and to track marketing campaigns through their data reporting facilities.
17. Trust Payments
Some of the features and benefits of Trust Payments’ payment gateways and online payments.
- Omnichannel payment solution provider offering both online and offline
- Secure trading solution
- Enables easy integration
- Plugin solutions
- Hosted payment processing
- Customisable payment pages
- Multilingual
- Multi-currency offering with dynamic currency conversion
- Reporting facilities
- Dedicated account management support
Trust Payments, formally Secure Trading, specialises in helping businesses to extend their reach globally through online sales and has catered their services to help businesses grow internationally. Their offering gives businesses a platform that is multilingual and accepts payments in multiple currencies which make use of their dynamic currency conversion.
Trust Payments’ online payment gateway can be used as a plugin or hosted by them for you. Hosted solutions also offer customisable pages that help integrate them into your website better and allow you to offer a unique customer experience. They provide UK-based dedicated account management and they have experts on hand to offer support.
18. Verifone
Some of the features and benefits of Verifone’s payment gateways and online payments.
- Integrated payment solution
- Online and in-app payments
- Hosted payment pages
- Payment integration solution
- Offers business and customer-facing apps
- 1 click payment options
- Secure and safe service
- Reporting and analysis facility
- Process over 7.6 billion transactions each year
- Well established provider
Verifone is a global provider of payment processing and payment gateway solutions that offers a wide range of solutions and services for collecting payments online and offline. They provide an end-to-end managed system that integrates all payment channels.
Verifone offers online payments and in-app payments to businesses in a safe and secure environment. They cater for different business needs by offering hosted payment pages and the ability to integrate their payment forms into your own website. They also offer both business and customer-facing apps that help to improve the experience of using Verifone.
19. Digital River
Some of the features and benefits of Digital River’s payment gateways and online payments.
- Bespoke payment solutions
- Seamless payment solution
- An integrated solution to manage all orders
- Personalisation tools available for shopper experiences
- Online and in-app payments
- A cloud-based solution with self-service controls
- Supports customer expansion plans into new locations or innovation ideas
- Supports international selling with their wealth of experience
- Secure service with fraud protection safeguards
Digital River is a global provider of payment solution services that operate through an advanced commerce cloud to enable online and in-app payments. They offer bespoke payment solutions that allow businesses to have a flexible solution that caters for their needs. Their services can be seamlessly integrated into your website.
Digital River specialises in offering a global service for businesses that want to expand into new geographical locations and who also want to innovate their sales. Their payment solution can be customised to give it a branded look and feel as well as it having tools to personalise customer shopping experiences.
20. Retail Merchant Services
Some of the features and benefits of Retail Merchant Services’ payment gateways and online payments.
- Low-cost payment solution
- Next day settlement
- Simple set up
- Hosted payment page or integrated payment page
- Secure and reliable service
- Real-time online reporting functionality
- UK based customer support team
- Excellent rating on Trustpilot
- Exclusive membership benefits
- Supports small businesses
Retail Merchant Services is an affordable card payment processing service that specialises in providing solutions for small businesses in the UK and Ireland. They offer both online and offline payment solutions including in-store and virtual payments.
Retail Merchant Services provides an online payment solution which can be either a hosted payment page or an integrated solution which gives businesses a flexible solution. Their payment gateway accepts payments from all major credit and debit cards. They also offer real-time transaction tracking and an online reporting facility to help you gain valuable insight into customers and the business.
Retail Merchant Services website
21. CCBill
Some of the features and benefits of CCBill’s payment gateways and online payments.
- Online payment services included their processing package
- Accepts a wide range of payment methods
- Customisable and integrated solution
- Supports subscription services
- Admin portal to access all your data
- Reporting facilities
- Flexible service that will grow with your business
- Secure service with fraud protection
- Multilingual pages
- Supports 30,000 internet businesses
CCBill is a global payment processing provider that deliver international payment processing for online businesses. They specialise in providing payment processing for subscription services and automated billing facility.
CCBill has created an online payment gateway that offers a turnkey solution that assists businesses in billing and marketing their products and services. They offer integrated software that can be customised to your business. They have built their online payment platform on robust infrastructure that delivers secure payments in different locations with multilingual pages which receive payments in a variety of currencies and payment methods.
22. Handepay
Some of the features and benefits of Handepay’s payment gateways and online payments.
- State that they will pay your switching fees
- Low rates and simple pricing
- Fast and secure transactions
- No minimum monthly service charge, authorisation fees or joining fees
- Accept all major credit and debit cards
- Integrates with all major shopping carts
- Online dashboard with real-time reporting
- Security checks and 3D Secure
- 24/7 service and support
- Highly rated on Trustpilot
Handepay is a UK based low-cost alternative payment processing provider that offers a clear and transparent pricing structure with no hidden fees or charges. They offer to pay most businesses switching fees and claim that they can save customers up to 36% by switching to them. They also offer in-store and virtual payment solutions.
Handepay’s online payment gateway offers fast and secure transactions which accept all major credit and debit cards. They also integrate with all major shopping carts to create a solution that gives businesses access to the widest number of sales channels. Handepay also offers a secure service that is backed by 24/7 support.
23. Nochex
Some of the features and benefits of nochex’s payment gateways and online payments.
- They claim to be the no.1 alternative to PayPal in the UK
- Low charges
- Simply and swift set up
- Easy integration with your website
- Safe and secure online payment processor
- Customisable solution
- Recurring payment processing
- UK based support
- Dedicated account management
- Delivers services to a wide variety of businesses
Nochex has deliberately set themselves up as an alternative to PayPal for UK customers and provide a different type of service. They have created a merchant account and payment gateway service that operates like PayPal but does not require customers to have an account with them.
Nochex offers a wide range of payment processing solutions including online, virtual payments, reoccurring or subscription-based services, and invoicing services. They will customise their solution and cater their service to your business needs and support you through their UK based teams and dedicated account management. Setting up your online payment service is simple and can be quickly done.
24. CyberSource
Some of the features and benefits of CyberSource’s payment gateways and online payments.
- Connects to over 100 acquirers and processors
- Integrated payment gateway
- Integrates with major commerce platforms
- Process payments in 190 countries
- Operate in multiple currencies
- Back-end integration
- Reconciliation reports
- Scalable solution that can grow with your business
- Secure system
- Caters for all business sizes
CyberSource is a payment gateway and payment management provider who cater for businesses of all sizes. They provide a global service as their payment gateway connects with around 100 acquirers and processors to handle payments in more than 190 countries and multiple currencies. They offer both online and offline payment processing including in-store and virtual payments.
CyberSource offers two software solutions for processing online payments which are called CyberSource and Authorize.Net that both deliver a secure payment solution with fraud prevention built in. They integrate with major commerce platforms to give customers broad reach and access to markets.
25. Paysafe
Some of the features and benefits of Paysafe’s payment gateways and online payments.
- A single solution for payment processing
- Will grow with your business
- Global reach
- Accept all major credit and debit cards, alternative local payments and in-app payments
- Integrates with some of the biggest e-commerce platforms
- Specialist solutions for iGaming and travel sectors
- Support with compliance
- Safe and secure data handling
- Dedicated account managers
- Accountancy reporting
Paysafe is a payment processing provider who offers an integrated solution as they offer both software and marketplace platforms which give customers a seamless payment solution opposed to using multiple suppliers. They offer both online and offline payment processing that are integrated into one solution which accepts payments from all major credit and debit cards as well as alternative local payments and in-app payments.
Paysafe cater for most businesses with their payment processing solution but they also offer a specialist service for the iGaming and travel sectors where they have created a solution that is dedicated to these industries and to help them operate more effectively.
26. Worldline
Some of the features and benefits of Worldline’s payment gateways and online payments.
- Complete payment processing solution
- Merchant services and payment gateway
- Tailored and customisable solution
- Developers portal and tools
- Great customer experience
- Global provider
- Real-time transaction monitoring
- Secure and quick processes
- Fraud prevention
- Handle billions of transactions each year
Worldline offers a complete payment solution as they provide both merchant services and a payment gateway that help to integrate all payments across your business as they offer both online and offline payment processing.
Worldline offers a customisable and tailored solution to businesses that helps them to deliver a personalised and seamless payment solution across channels. They support web developers with their own developers’ portal to provide them with the support and tools needed to get your business up and running with online payments. Their solution allows businesses to maximise their digital potential and gain valuable customer insights.
27. WePay
Some of the features and benefits of WePay’s payment gateways and online payments.
- Integrated payment design
- Seamless processing
- Fast onboarding so you can accept payments within minutes
- Customisable checkouts and integration
- Payment storage for faster checkouts
- A solution that lets you control as much as you want
- Trusted brand
- 24/7 support
- Reporting that gives insights and analysis
- Support with risk management and compliance
WePay offers an integrated payment solution which delivers seamless processing of payments in a fast but secure environment that reassures customers. They offer both online and in-store payment processing that are integrated to allow businesses a complete view of all their transactions and gain valuable insight into their customers.
WePay aims to get their customer mobilised and taking payments quickly. They also offer a customised solution which enables customers to personalise their checkouts and how the solution is integrated as well as how much control you want to have. The end customer can choose to store their payment cards to improve checkout times on future purchases.
28. NMI
Some of the features and benefits of NMI’s payment gateways and online payments.
- Integrated payment solution
- Unified look and feel at every customer interface with your brand
- Easy to integrate with your website
- Choice of interfaces
- Support to build an interface
- Hosted payment page
- Centralised reporting
- They support all development platforms and apps
- Deliver services for over 110,000 merchants
- Processed over 600 million transactions
NMI is a payment processing provider who offers online, in-store, mobile and self-service pay points. They integrate their solution to create a unified look and feel so that customers get a consist branded service.
NMI offers two solutions for online payments either a hosted payment page or integrated solution. The hosted solution is a simple checkout page that can integrate with shopping carts and it accepts credit and debit cards as well as PayPal. The integrated solution has been designed for ease of integration with a choice of interfaces and support to help build an effective interface.
29. ecoPayz
Some of the features and benefits of ecoPayz’s payment gateways and online payments.
- Safe and secure payment service
- Quick and simple integration
- Offer both merchant accounts and payment gateways
- Online and mobile payment solutions
- Increase checkout conversions
- Free registration
- Global business
- Operates in over 45 currencies
- Fraud prevention and security checks
- Can be used to make payments to staff and suppliers
ecoPayz is a global payment provider that offers an end to end solutions which includes both merchant accounts and payment gateway for online and mobile payments. They offer a global service that accepts payments in over 45 currencies.
ecoPayz’s online payment solution offers a quick and simple integration with free registration which allows businesses to start selling and taking payments online within a short space of time. They claim that they can help increase your checkout conversion rates. Their platform also offers the benefit of a safe and secure service with their anti-fraud protections and security checks.
30. Checkout.com
Some of the features and benefits of Checkout.com’s payment gateways and online payments.
- Integrated and consolidated payment solution
- Competitive and transparent pricing
- Fast and efficient setup
- No setup fees
- No account maintenance fees
- Accept all major debit and credit cards, as well as digital wallets
- Integrate with all major shopping carts
- Fast and secure transactions
- Dedicated account management
- Fraud prevention and risk management tools included
Checkout.com is an integrated payment solution that consolidates several functions of online payments that shorten the route of payments from the customer through to you which includes the payment gateway, international acquiring and payment processing.
Checkout.com accept a wide range of payments which include credit and debit cards, digital wallets, and some alternative payment methods, and when combined with them integrating with all major shopping carts they give businesses greater access to customers. They claim that they are highly competitive and that they pass through card rates to the customers and minimise fees with no setup or maintenance fees.
31. 2Checkout
Some of the features and benefits of 2Checkout’s payment gateways and online payments.
- Reliable and safe payment processing
- Hosted and integrated checkouts
- Customisable checkout
- Integrates with over 100 online carts
- Global payment solution operating in over 180 countries
- Accept 87 currencies
- Multilingual with 15 languages
- Advanced security protection
- Incorporates both tax management and compliance
- Experienced provider
2Checkout is payment processing and e-commerce business that operates globally. They offer a range of online payment solutions which include a pre-integrated payment gateway as well as merchant accounts.
2Checkout is a provider that offers both online and mobile payments globally in over 180 countries, accepting 87 currencies and in 15 languages. They offer advanced security, fraud protection and PCI compliance. They also offer a customisable checkout so that you can retain your marketing identity and maximise the customer experience and consistency. They provide a hosted or integrated checkout solution as well as integrating with over 100 shopping carts to increase your business reach.
32. i-Payments
Some of the features and benefits of i-Payments’ payment gateways and online payments.
- Global payment solutions provider
- Competitively priced
- Integrated payment solution
- Accepts card payments from Union Pay, American Express, Visa and Mastercard
- Offers multi-currency
- Works with a network of global acquirers
- Accepts alternative payment methods
- Specialises in online payments only
- Dedicated support team
- Real-time fraud screening
i-Payments are a UK based payment processing provider that offers a global online payment service for businesses who want to accept payments online. They provide a platform that accepts a wide range of card payments from the major credit and debit card providers.
i-Payments specialise in providing solutions to industries in e-commerce, gaming, travel, e-wallets and financial services. Their payment gateway solution is multilingual and secure with real-time fraud screening for safe transactions. They work alongside a network of acquirers across the world to offer a global service. They also provide a dedicated support team to help businesses get the best from their solution.
33. EVO Payments
Some of the features and benefits of EVO Payment’s payment gateways and online payments.
- Integrated payment solution
- Fast and secure payment transactions
- Competitive pricing
- Provides online, mobile and in-store payment solutions
- 150 currencies
- 50 global markets
- Dedicated customer support
- Provides services to a wide range of industries
- Delivers solutions to over 550,000 businesses and processes over $100 billion per year
- One of the largest global providers
EVO Payments is a global payment processing provider who works in partnership with many of the key financial players in the market. They have a global service operating in 50 markets across the world and they continue to expand into further markets. They also operate in 150 currencies.
EVO Payments offers an integrated solution that works across payment channels to create one unified solution. They process payments made across the globe quickly and securely using their feature-rich software. EVO Payments are one of the largest integrated merchant acquirers and payment processors. They offer competitively priced integrated services that have dedicated customer support.
34. Braintree
Some of the features and benefits of Braintree’s payment gateways and online payments.
- Global payment processor
- Deliver a modern and optimised payment solution
- Offer both online and mobile payments
- Accepts most popular payment methods
- Requires no minimum transaction amounts
- No monthly fees or any hidden fees
- Accepts over 130 currencies
- Allows you to manage internal costs as well as automate back-end processes
- Dedicated customer support
- Risk mitigation and fraud prevention
- Backed by a large fintech brand
Braintree is part of PayPal service and they offer a global payment platform that is a scalable solution that fits businesses of all size and grows with them. They are a global provider supporting merchants in over 40 countries and they accept payments in over 130 currencies.
Braintree’s online payment solution is described as being modern and optimised to give the best results and experience at the checkout. They accept a wide range of payment types which include credit and debit cards, PayPal, e-wallets such as Google Pay and Apple Pay as well as Venmo in the US.
35. Card Cutters
Some of the features and benefits of Card Cutters’ payment gateways and online payments.
- Integrated payment solution
- Offer a full range of payment methods including online, in-store and virtual
- Customisable payment page
- Access transactions in real-time
- Reporting facilities
- Also incorporates stock management and booking systems
- 24/7 customer support
- Multi-lingual
- Partner with Global Payments to offer payment processing
- Highly rated on Trustpilot
Card Cutters is a UK based card processing solution that provides an integrated service in partnership with Global Payments who provide the payment processing that works with their payment gateway. They cater for businesses of all sizes including multinational businesses as they offer a global solution that is available in multiple languages.
Card Cutters online payment gateway is a hosted solution that allows you to customise the checkout so that it can be branded like your website to give a more integrated feel. They offer a free test account that has all the support tools to allow you to try their platform out before committing to it.
36. BlueSnap
Some of the features and benefits of BlueSnap’s payment gateways and online payments.
- Single source payment solution
- Offers both merchant accounts and payment gateways
- Choice of hosted or integrated checkout solutions
- Online and mobile payments
- Offers subscription management
- Supports integration with online marketplaces
- Connects to 30 global banks
- Collect invoice payments
- Reporting facilities
- Anti-fraud and risk management
BlueSnap is a global payment processing provider that delivers an integrated solution that combines a merchant account facility with a payment gateway. Their service connects with 30 global banks and operates with over 100 currencies and pays out in 13 currencies. They accept a wide range of global payment types including eWallets.
BlueSnap offers an online payment solution that gives you the choice of a hosted checkout solution or an integrated checkout solution. They also offer subscription management solutions and integrate with online marketplaces. Their payment platform uses an intelligent payment routing to ensure the best currency conversions.
37. Cardstream
Some of the features and benefits of Cardstream’s payment gateways and online payments.
- They are a white label payment gateway provider for resellers only
- Offers a single integration point
- A cloud-based platform
- Accepts online, mobile and virtual payments
- Integrates with shopping carts
- Works in multiple currencies
- Management systems
- Global network
- Scalable solution
- The platform behind many well-known payment processing providers
Cardstream is a white label payment gateway provider that delivers services on behalf of other payment providers and allow them to brand their services as their own, they do not offer their service directly to business users. They offer a cloud-based payment system that accepts online, mobile and virtual payment solutions through a single integrated system that connects providers to a wide of acquirers and e-commerce connectors.
Cardstream’s payment gateway solutions accept a wide range of payments including credit and debit cards, alternative payment types and eWallets as well as multiple currencies. They offer a range of facilities which include payment forms, modules and billing as well as a management system.
38. emerchantpay
Some of the features and benefits of emerchantpay’s payment gateways and online payments.
- Tailored online payments
- Seamless and streamlined digital payment experience
- Accept online payments across all devices
- Take 50+ global payment methods
- Customisable payment pages
- Flexible integration options
- Offers fraud and risk management solutions
- Integrate with leading shopping carts
- Pay by link option
- Create subscription services and repeat payments
emerchantpay is a payment provider that offers online payments and point of sale services. Their online payment service provides a seamless and streamlined digital payment experience for customers. Their payment pages are customisable so that you can brand the page to match your website.
emerchantpay enables you to accept payments across all devices with over 50+ global payment methods and digital payments on multiple channels. It also allows you to integrate with leading shopping carts. You can also set up pay by link and subscription services to take recurring payments and encourage customer loyalty.
39. Pomelo Pay
Some of the features and benefits of Pomelo Pay’s online payments:
- Pay just 1.49% fee per transaction
- No separate card machine required
- Authorised by the FCA
- Customers’ card details are never shared or stored
- No monthly fees
- No contract
- Email, chat and call support available
- Next working day remittance
- Data, analytics and user management
- Payment links, online shop and in-person payments
Pomelo Pay was founded in 2018. They began by offering secure QR code technology, but have since expanded to multiple payment solutions from in-person to online.
They claim to support over 2,000 businesses in 7 countries and can handle over 35 different payment methods.
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FAQ
What is a payment gateway, and how does it work?
All online stores must have a payment gateway, this way, people can make online purchases, and the store can take these purchases. Payment gateways allow customers to safely make purchases from online stores as sensitive cardholder data is protected and the transactions are facilitated.
An online payment gateway works just like a physical point of sale system. The payment gateway sends customer information to the merchant and then sends merchant information to the bank. It also authorises online payments and notifies the merchant if the payment has been approved.
Payments are processed through a credit card terminal or an e-commerce site.
What is the best online payment system?
The best online payment system will depend on your sales volume, the payment methods you need, and the type of business.
The system will also depend on your budget and sales channels, so what may be considered the best for one may not be the best for another.
When choosing your payment system, consider some factors, like how user-friendly it is, monthly fees, accessibility, buyer protection, and convenience, to list a few.
Which is the cheapest payment gateway?
Most payment gateway providers charge set-up fees, transaction fees, and subscription fees.
You will find a few that have very little to no fees. But it is still best to consider the service, credibility, customer service, payment methods, and security, no matter how good the price looks.
Some payment providers may also charge PCI-compliance fees, chargeback/refund fees, and higher fees for specific cards, so do your research before choosing a payment gateway provider.
Have a look above to get a better idea on fees.
What are the advantages of online payment?
Online payments are instant, and they can be made anywhere at any time. Payments can be secured in multiple ways, via encryption, tokenisation, and SSL, to name a few, so there is much higher payment security. It is also more convenient for customers.
You will also save on processing costs and only need to pay a subscription fee. The risk of theft is much lower, and you can get a record of all of your transactions. Online payment gateways are more transparent and can be contactless (which is a bonus in today’s world with COVID).
Online payments also allow you to accept credit card payments globally to have a further customer reach.
Depending on your payment gateway provider, you can also offer various payment methods. It is also a good way of marketing your brand as you can branch your sales onto other websites.
How do I set up online payments?
Before setting one up, you’ll need a website if you plan to have online sales, a UK business bank account, a business plan, and a merchant account.
First, you should consult an expert to ensure that you’re getting compliance, security, and coding issues right. You will then need to have a hosting platform set up and apply for an SSL (Secure Socket Layer).
Then build your payment page.
You will need to find a suitable payment processor so that you can do debit card payments, credit card payments, and account-to-account payments. Once you’ve done all this, you need to integrate your merchant account/payment processor with the payment page you set up.
Soon you’ll be accepting payments and making sales using payment gateways.
Is PayPal a payment processor or gateway?
PayPal is a payment aggregator. Payment aggregators have an easy and quick application process, and processing times are much faster than conventional payment processors.
Paypal also has its own payment gateway called Payflow, and businesses do not need to set up a merchant account to use it.
So, Paypal is both a payment gateway and a payment processor in one.
Is there anything better than PayPal?
There are alternatives to PayPal, which offer very similar services. Paypal is convenient, and you can do a fair amount through its online payment system.
If you are looking for something better, you should consider various factors and think about what PayPal actually is.
It acts as your digital wallet; you can process payments, store card information, and receive payments. PayPal is also known for its speedy transactions, security, and rewards.
There are alternatives, but what may be better than PayPal for one small business may not be better for another. It all comes down to your needs and what you want from the your payment gateway.