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Our secure online payment gateway enables businesses to accept card payments online quickly and efficiently. Taking payments online is now more important than ever. With more customers looking to complete purchases online, it is vital your business accepts online payments through a secure system that is compliant and protected against fraud. There are a number of flexible online payment methods available.



Our online payment gateway is easily integrated into your website or choice of shopping cart so you can accept payments online in minutes or utilise our virtual terminal allows you to accept payments over the phone through a secure online payment page with card details provided by the customer. Whether you are an existing face-to-face business looking to expand into the online world or are already an established digital business, we can help you to get online fast.

Features & Benefits of our Online Payment System

Setting up our online payment system for businesses is now easier than ever. Our gateway is designed to optimise your online sales opportunities in every market with maximum security and reliability.

Safe & Secure

Payment security and fraud reduction are our priorities. We keep your customers' data secure so you can rest easy.

5 Star Customer Support

Expect the best with high quality service and 24/7 availability. That's why we're rated 5 stars on Trust Pilot.


Payment solutions that scale as your business grows.

See our solutions


Industry leading gateway with 99.99% reliability so you can be confident of getting paid when you want to.


Opayo have thousands of partners; who can help you build your perfect online business.

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Trusted by thousands of businesses

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Start taking payments online



Getting started is easy and you don't have to finish your application in one sitting. Create a password and complete at a time that suits you.

Get started here

Merchant Account

If you're already taking payments online, then Opayo can work with most acquirer's so there's no need to switch. If you're new to taking payments, we can help you get your merchant account set up.


Set up your website

It's easy to integrate Opayo into your website or use one of many Opayo partners or digital agencies to get yourself up and running.

Already have a website? Check out our list of integration methods.

Start taking payments!

Once integrated, do one test transaction and one test refund and validate your merchant ID's. When successfully completed, you're ready to start taking payments.

Need more help? Our customer support team is on hand 24/7 to walk you through the process

PCI Compliance

Opayo is certified to the highest level PCI DSS Level 1. This can reduce your compliance requirements.

Find out more here

Online Payment Fraud Prevention

Fraud prevention is something we prioritise. We understand that trusting an online payment gateway to prevent business losses and to protect the identities of customers can be tricky. 

Our payment gateway is expertly designed to identify fraudulent activity with a range of free built-in, easy-to-use ecommerce fraud prevention tools as standard which aim to protect both your shoppers and your business. Our enhanced fraud screening tools complete a number of transactional checks on personal, payment and address information to highlight the level of risk each transaction poses to your businesses. At an additional cost, our integrated ACI ReD Shield fraud prevention platform  uses real-time global transaction analysis to proactively determine whether any fraudulent activity has occurred on the account. 

For further fraud prevention, we also offer ASV, CV2 or CVV checks. The AVS or Address Verification System uses the address details that are provided by your shopper to verify the address is registered to the card being used. CV2, CVV, or Card Verification Value, is a check that uses the 3 digital security code on the reverse of the card used for the transaction for verification purposes.

With online fraud screening you can boost sales and minimise losses. For more information on our advanced tools, take a look at our page on fraud prevention & security.

Online Payment Integration

Our online payment system is easily integrated onto all major eCommerce and POS platforms. The setup process is quick, with secure encryption and custom payment pages. Choose between four simple methods of integration. Each method offers the ability to maintain different levels of control and communication between your website and your platform of choice.

Our four key methods of integration include:

Our four key methods of integration include:

Integration Process

If you would like to further understand the integration process, take a look at our support article for further guidance. 

Interested in exploring our current integrations with major ecommerce platforms? Browse through our partner directory for more examples.

Integration Process


Flex - from £25 p/m

- 350 transactions per month - Free fraud screening tools - 24/7 support

Plus - £45 p/m

- 500 token purchases per month - Free fraud screening tools - Access to Fast Pass support

Corporate - Bespoke Pricing

- 3000+ transactions per month - Bespoke fraud screening tools - Priority support services - Dedicated account manager

Why Choose Opayo?


As one of the UK’s most reliable payment providers, we offer a number of payment solutions for your business, from fixed to completely bespoke packages tailored to your requirements.


Setting up your account is a quick process, with all charges kept completely transparent.


We don’t want you to switch your payment provider or pay for a platform that you find confusing, which is why our telephone support team is available on hand 24/7 to ensure that your setup goes as smoothly as possible.


Our online payment system experts can help you every step of the way, from advising you on your merchant account to choosing which price plan is right for your business.

A Trusted Brand

Opayo - formerly Sage Pay. A trusted brand for Payments


Online Payment frequently asked questions

Online payments are now one of the quickest and safest ways for customers to make transactions through the web. With our online payment gateway, you can now accept online payments with no hidden charges to your account.
Yes, all transactions made through our online payment gateway are secure. As all payments go through your merchant account, each transaction is checked and approved before being transferred to your account.
Depending on each merchant account that is issued, there will be a difference in the cards which are accepted. During the set-up process, you will be advised on which cards can be accepted through your merchant number and what you may have active on your Opayo account. Currently, we support Visa, Visa Debit, Visa Electron, MasterCard, Maestro, American Express, JCB and Diner’s Club International. As a standard on most GBP merchant numbers, Opayo accept Visa, Visa Debit, Visa Electron, Maestro and MasterCard unless otherwise specified. For further information, take a look at our page on card types and merchant numbers.
Yes. If your business would like to accept card payments through our platform, you will need to have set up a merchant account (also known as a merchant ID) beforehand. Take a look at our page on merchant account services for further

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