Best Payment Gateways in the UK
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Compare the Top Payment Gateways in the UK as of March 2026
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What are Payment Gateways in the UK?
A payment gateway is a technology that facilitates online transactions by securely processing payments between customers and merchants. It acts as an intermediary between the customer’s bank and the merchant’s bank, ensuring sensitive data, such as credit card details, are transmitted securely using encryption. Payment gateways handle authorization, ensuring the transaction is valid and funds are available before processing payment. They also support multiple payment methods, including credit cards, debit cards, and digital wallets. Overall, payment gateways simplify and secure the payment process, making online purchases smooth and reliable for both businesses and consumers. Compare and read user reviews of the best Payment Gateways in the UK currently available using the table below. This list is updated regularly.
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1
NMI Payments
NMI
NMI Payments is an embedded payments solution that lets SaaS platforms, Software companies and ISVs integrate, brand, and manage payment acceptance directly within their software—without becoming a PayFac or building complex infrastructure. As a full-stack processor, acquirer, and technology partner, NMI handles onboarding, compliance, and risk so you can stay focused on growth. The modular, white-label platform supports omnichannel payments, from online, mobile and in-app to in-store and unattended. Choose from full-code, low-code, or no-code integration paths and launch in weeks, not months. Built-in risk tools, flexible monetization, and customizable branding help you scale faster while keeping full control of your experience. With NMI’s developer-first tools, sandbox testing, and modern APIs, you can embed payments quickly and confidently. -
2
Paytm
Paytm
Paytm is India’s largest payments company that offers multi-source and multi destination payment solutions. It offers comprehensive payment solutions to over 8 million merchants and allows consumers to make payments from any bank account to any bank account at 0% fee. Pay anyone, everywhere. Make contactless & secure payments in-stores or online using Paytm Wallet or Directly from your Bank Account. Plus, send & receive money from anyone. With Paytm Postpaid, your wishlist doesn't have to be on the waitlist. Shop for the things you want today and pay for them next month. -
3
Wise
Wise
The only business account you need to go global. Everything you need to grow your business and operate internationally — without the high fees, hefty admin, and headache of a local bank. We safeguard your money in top financial institutions. We're an authorized financial services provider. Pay invoices with the real exchange rate in 70+ countries from your phone or app. 50% of payments are instant or arrive in an hour. All you need is your recipient’s bank details or email. They don’t need a Wise account to get paid. Save time and money on international payroll, employee reimbursements, or recurring payments. Pay up to 1,000 people in one click. Just upload a spreadsheet with details for each transfer and submit one payment. Add team members to your account to help with payments. All past payment info is saved for the future. -
4
Zoho Invoice
Zoho
Zoho Invoice is a 100% free cloud-based invoicing solution designed to help small businesses with invoicing, tracking expenses, and accepting online payments. Key features include project billing, time tracking, reporting, customizable templates, and a client portaI. Teams using Zoho Invoice can track estimates, convert them to invoices, and send reminders to clients to complete their outstanding payments. Additionally, users can create tasks, collect advance payments for projects, and keep track of their invoice history.Starting Price: $0 -
5
Clearly Payments
Clearly Payments
Clearly Payments provides low-cost credit card processing services and software for online payments, payment terminals, credit card machines, mobile payments, and recurring billing and invoicing. The Clearly Payments mission is to drive down the cost for merchants to accept payments. Period. Our first step in the plan is to build a payment processor with an incredibly low-cost structure. That takes innovation, so we need a strong corporate culture. We keep costs low with: - Virtual teams, cloud software, and a metrics-driven culture to operate our business - Working with the best and lowest cost payment technology providers in the world - Customer acquisition through communities, word-of-mouth, and partnerships. Our low-cost structure allows us to pass on the savings to merchants to cut their costs. We are growing on this front, making merchants happy and saving them money every day. https://www.clearlypayments.comStarting Price: $10.00/month -
6
PaySimple
PaySimple
PaySimple is the leading payments management solution for service-based businesses, powering the cashflow of over 20,000 companies nationwide. PaySimple builds long-term partnerships with companies to drive growth providing flexible payment and billing solutions and personalized customer service to suit their distinct business needs. With a robust API, PaySimple is a trusted technology partner for payment integrations; natively handling cashflow within SaaS products and mobile applications.Starting Price: $59.95/month -
7
Whalestack
Whalestack LLC
Whalestack is a sophisticated cryptocurrency payment gateway designed for enterprises, offering digital currency checkout solutions that seamlessly convert Bitcoin to your bank account within minutes. It enables the acceptance of cryptocurrencies, facilitating instant conversion to fiat currency, eliminating currency risks, chargebacks, and credit risks. The platform encompasses comprehensive financial reporting, invoicing, taxation, and analytics, making it straightforward to integrate via REST API or a simple checkout button. Whalestack serves online merchants and e-commerce platforms, allowing them to accept and settle payments in various digital currencies in a compliant manner, ensuring satisfaction for accountants and tax authorities alike. It empowers online businesses to denominate and settle sales in their national currency (e.g., EUR, USD), irrespective of the cryptocurrency (Bitcoin, Lightning, USD, EURC, or Stellar) used by customers for payment.Starting Price: 0.5% -
8
Computop Paygate
Computop
Computop offers its customers around the world local and innovative omnichannel solutions for payment processing and fraud prevention, for e-commerce and POS. With the Computop Paygate payment platform, retailers, service providers and industrial enterprises have the flexibility to choose from over 350 payment methods. Computop, a global player with locations in Germany, England and the USA, has been servicing large international companies for more than 25 years, including global brands such as C&A, Fossil, Otto Group, Sixt, Swarovski and Wargaming. Computop carbon-neutrally processes transactions with a combined value of USD 33 billion in 127 currencies.Starting Price: $29 per month -
9
Instamojo
Instamojo
Collect payments, create free online stores, ship products, get loans and more to power your business. Collect payments online, create your free online store, buy domains, mailboxes, and more with Instamojo products, built to get you started. Manage online payments, orders, inventory, customer data, and more, from a single dashboard. Track payments, shipments, and leads, on mobile and desktop. Get cash flow loans, access growth and marketing tools, use several free online business solutions, to grow your revenue and customer base. Get add-on, exclusive features on the Instamojo Android app to power your business! Access your Instamojo links quickly for faster sharing. Share and schedule shipments & payments from the app. Enable faster payouts and check eligibility for small loans. Free ledger tool to keep track of payables & receivables. PCI-DSS certified payments, SSL certified websites and more to keep your business 100% safe.Starting Price: $40 per year -
10
PaymentSpring
PaymentSpring
The all-in-one, developer-driven payment gateway Our powerful payment processing gateway is designed for software platforms, businesses and nonprofits who want a solution as simple as it is secure. Are you ready to accept more? Whether you’re a large platform providing solutions for your customers or a small merchant working for yourself, integrating with PaymentSpring is easy. Ready to give your users a better payment experience? Create what you want the way you want. Our speedy ‘n’ easy checkout button lets you add payments to your site in minutes with no coding required—all it takes is a copy/paste. -
11
Mollie
Mollie
Mollie is a money management platform that powers growth for over 250,000 businesses – from startups to enterprises. It's a single platform to get paid and simplify your finances, with online and in-person payments, subscriptions, financing, reconciliation, invoicing, and fraud prevention tools. Get started in minutes with transparent pricing, no hidden fees, and no lock-in contract.Starting Price: €0.25 per transaction -
12
MagicPay
MagicPay Merchant Services
Credit Card Processing & Merchant Services Simplified. Complete Payment Processing Solutions For Your Business Established in 2012, MagicPay Merchant Services has been providing merchant account services to thousands of merchants worldwide. Our credit card processing, ACH and eCheck solutions, along with our point-of-sale systems will support your business every step of the way, building successful business environment. Free EMV Terminal. Get a FREE credit card terminal, works with Dial-Up or Ethernet connection. Point-of-Sale Systems. Manage your business like a pro. Retail & restaurant POS solutions. Wireless Terminals. Take payments anywhere, with on-screen signature capture. Mobile Payments. Accept payments using your smartphone or tablet with our Bluetooth card reader. Online Payments Virtual terminal, recurring billing, electronic invoicing & E-Commerce. Multi-Currency Processing. Accept payments in 120+ currencies and settle in USD.Starting Price: $15 per month -
13
CARDZ3N
CARDZ3N
CARDZ3N supports global payments for credit cards, ACH, SEPA, and Crypto (140+ coins). CARDZ3N processes payments for emerging markets & high-risk businesses, including CBD, crypto exchanges, gambling, travel, and more. We also offer a Stripe Alternative with rates starting at 2.25% for non-profits & 2.75% & $0.25 for e-commerce. CARDZ3N also offers other payment options, such as ACH, payroll and HR, benefits, or business capital. CARDZ3N Our mission is to solve the most pressing problems facing our clients, large and small. Our unique approach is what distinguishes us and what makes us different. We offer a wide range of services and solutions that help organizations achieve their vision, facilitate change, and maximize performance and productivity. -
14
NETePay Hosted
Datacap Systems
NETePay Hosted is a comprehensive payments platform that consolidates payments and tokens across brick-and-mortar, eCommerce, mobile and unattended environments, all managed via Datacap’s portal. Datacap supports virtually every payment processor in North America. Dozens of plug-and-play EMV-ready devices from leading OEM providers. Datacap’s omnichannel payments solutions combine in-store, unattended, mobile, and eCommerce to create a unified, consistent payment experience across all channels. Purchase, configure and maintain Datacap products 24/7 via Datacap's product portal. Real-time reporting is available 24/7 for Datacap partners and their merchants. Remotely configure settings, pad flows, key injection, and more. Processor-proprietary Encryption methods ensure that card data is encrypted at the sale and decrypted at the NETePay Hosted without additional hops. Reduce card-present fraud with contact and contactless EMV (chip card) certifications for fixed, and mobile devices.Starting Price: Free -
15
Aevi
Aevi
Our platform lets payments and data flow across all channels and consumer touchpoints. Customizable to your precise requirements, the platform connects the in-person world with digital channels, orchestrates checkout flows, and sets transaction data free. It’s a flexible solution stack that gives you the infrastructure needed to build a scalable payments world. An open, cloud-based gateway that works with any payment type, anywhere in the world. From cards to phones to crypto, and everything in between. Leveraging our open APIs, we securely integrate your existing or new systems and connect them to a terminal management system (TMS). Our consolidated solution uses the ISO 20022 open standard, making end-to-end payments Nexo-certifiable, where applicable. Combines a device-agnostic payment app with enhanced payment gateway functionality, consolidating all payment solutions into one. The module also comes with a fully functional plug-and-play payment app for use on smart POS devices.Starting Price: Free -
16
Hips
HIPS Payment Group
Hips is a complete omnichannel payment gateway and platform for businesses, ISV's and ISO's that want to offer their customers payment terminals or online payment services. Programmatically create merchant accounts or manage terminals via our REST API. Focus on customers and sales — not payment infrastructure, acquiring, issuing, licensing, PCI certification, hardware or software. Scale your POS or payment business with a single global payment platform in 70+ countries and 60+ payment methods online, mobile or in-store. We design custom pricing and tailored payment services (gateway, acquiring or issuing) that work for you and your business model. You set the price to your merchants and keep full ownership of your customers and offers. Programmatically create merchant accounts or manage terminals. Our SDKs make it easy to integrate Hips into your own mobile and web applications for mobile, unattended, online or in-store payments.Starting Price: €3.90 per device per month -
17
Eway
Eway
We provide everything you need to start taking payments for your business. With out-of-the-box payment solutions to suit almost every industry or business, we work hard to ensure your payments just work! We also understand that payments can be complicated, that’s why our dedicated local team of experts is here to help you every step of the way. Our flat rates and simple pricing structure are clear and come with no hidden surprises. Complemented with fast settlement, we are there to support your growth. We provide your customers with peace of mind while transacting with you, with PCI DSS level 1 card data protection and fraud protection tools to screen incoming transactions. We give you practical support that helps you grow. From setup to support, our local team is here to assist you throughout the entire payment process, including 24-hour emergency technical support. Whether you’re a start-up or enterprise company, we offer a payment solution to meet your business needs.Starting Price: $20 per month -
18
OKTO Payments
OKTO Payments
We power digital payments for every online and retail environment globally. OKTO’s platform enables you to deploy new digital payment solutions quickly, easily, and at scale. We support merchants and individuals across multiple countries and cultures to benefit from responsible and real-time money transactions. We act locally but think globally. Our dedicated local teams lead in their regions, leveraging their experience to meet the needs of users. We’re using regional and regulatory expertise to solve longstanding market complexities. We offer solutions that are tailored to our partners’ needs, supporting the ways their customers expect to pay and making their experience faster, more responsible, and enjoyable. Compliant with all payments and any other associated authorities, OKTO incorporates a powerful API to manage all KYC, AML, and fraud queries. We adhere to the strategic needs of operators to remain socially responsible.Starting Price: Free -
19
AsiaPay
AsiaPay
AsiaPay supports merchants to accept digital payments by credit/debit cards, bank accounts/net banking, digital wallets, buy now pay later, over-the-counter, and more in one single platform. AsiaPay is a leading digital payment service, solution, and technology provider in APAC. We provide a comprehensive array of secured, advanced, and integrated payment processing solutions to banks, payment service providers, and merchants. We have partnerships with international card associations, banks, and payment companies all over the world. Country operations and payment processing. Anti-fraud tools, mobile-ready, real-time consolidated reports, big data. Multi-lingual, multi-currencies, multi-channels, multi-cards, and multi-acquirers. High service uptime of 99.9%+ and high performance. Local account and risk operation support as well as 24/7 technical support in 17 operational offices in the Asia Pacific.Starting Price: Free -
20
NETS
NETS
NETS for Business offers a comprehensive suite of payment and merchant services to help Singapore businesses accept both in-store and online payments efficiently. Its in-store solutions include wired and wireless POS terminals supporting NETS debit/ATM card, QR payments, contactless cards, and overseas wallet/foreign card acceptance. Payments are settled by the next working day, and merchants have access to transaction reporting and settlement via an online Merchant Portal. For online businesses, products include eNETS Gateway (handling direct debit and all major credit cards), NETS Click, NETS QR Online, and SoftPOS. There are also self-service and motoring solutions, unified POS systems, vending solutions, solutions for F&B self-service, car park payment integrations, SGQR label support, and digital receipt management. The NETSBiz mobile app lets merchants get payment notifications and manage terminals; merchant guides and developer APIs are provided.Starting Price: Free -
21
WePay
WePay
We provide payments infrastructure for independent software vendors (ISVs) and software platforms to ensure small businesses get paid quickly and easily. We deliver payments you can bank on. Our APIs make flexible, integrated payments possible via referral, white label or payment facilitator models, so our customers can focus on their core strategy. WePay’s corporate values are core to who we are and how we operate. We endeavor to live up to them every day in our interactions with each other and with our customers and partners. Seamlessly integrate payments into your application; we’ll support you from behind-the-scenes. Leverage the Chase brand & network to maximize adoption of digital payments. -
22
PayXpert
PayXpert
THE PERFECT FORMULA TO INCREASE YOUR SALES Our Payment Gateway together with our Central Panel and our Connect2pay payment page solution are the result of years of experience in the payment industry. We constantly revamp them as our innovative experts come up with new ideas and our clients’ needs grow. With PayXpert, you will benefit from an innovative payment technology. We help you to improve your conversion rate while keeping you safe. Use the advanced payment technological tools that PayXpert team has developed. In accordance with local payments habits, one of the main key to be successful in company internationalization is to have the right payment method to get high volume of sales. With PayXpert, you can go international with local payment methods. Our payment solutions enable our clients to open business worldwide. PayXpert is connected with a large network of acquirers and also with many Alternative Payment Solutions around Europe, Morocco and Asia. & more -
23
AlphaPoint
AlphaPoint
AlphaPoint is a global financial technology company providing digital asset infrastructure to power the next generation of exchanges, brokerages, payment networks, and banking. Our full-suite products provide trusted, secure, scalable, and customizable solutions for trading, payments, lending, custody, and more. AlphaPoint has enabled over 150 customers in 35 countries including the CME Group, XP Securities, and Chivo. AlphaPoint has powered over 1 trillion in trading volume and the technology has handled billions in assets on the platform. Over the past decade, we have received multiple prestigious awards recognizing our innovations, exponential growth and leading technology in the fintech and digital asset space, positioning us to continue empowering our clients. -
24
Alviere Hive
Alviere
Alviere’s embedded finance platform allows any organization to seamlessly integrate financial products and services into their existing offerings, and provide customers and partners with the most comprehensive embedded financial solution on the market. Alviere’s platform offers an extensive range of customizable branded products and services that include FDIC-insured virtual accounts and physical card issuing, payments, digital global money transfers, and crypto/web3 products, all through one API integration. Alviere is a fully licensed and regulated financial institution, and provides comprehensive compliance, risk management, fraud/AML montioring and security to ensure long-term program success.Starting Price: $0 -
25
Xendit
Xendit
Xendit is a leading payment gateway for Indonesia, the Philippines and Southeast Asia. With a single integration, enable your business to accept payments in Indonesia and the Philippines. Credit and debit cards, e-Wallets, bank transfer and more. Xendit is a payment gateway that helps businesses make payments simple, secure and easy for customers. We process millions of transactions monthly, helping businesses grow by providing a suite of world-class APIs. Get started with Xendit easily with your choice of Live URLs, Web/mobile checkout or API integration. Try it out with our sandbox environment, where you can start testing with a simple login. Go live in less than a day, and start making live transactions with Xendit. Access your transaction history on a centralized dashboard, with daily reconciliation for visibility and easy reporting. Better yet, pay as you go with competitive pricing and no hidden fees or surprises.Starting Price: $0.32 Fee -
26
Omise
Omise
The complete set of powerful payment features that enable fast, flexible, and seamless online payment experiences is already built-in — helping you maximize business opportunities and accelerate growth. Payment solutions that suit new ventures just getting started, and scale to support the most demanding needs of regional and global brands. Solutions are adaptable right down to the smallest detail to cater for the unique requirements of businesses operating in the most varied industry verticals. Rather than making payments in full amount, you can give customers the control and flexibility they need. Allow them to split payments into smaller amounts which they can pay off at regular intervals over a fixed period. Domestic or international, online or over-the-counter, your customers will always find popular payment options they prefer.Starting Price: 1.65% Fee -
27
PayNet Cloud
PayNet Systems
Our Low code solution is quick to deploy and adapts to the requirements of your growing business. We are highly flexible and can be tailored to meet the demands of your business. Interface easily with existing IT infrastructure and external tech partners using any standard protocols like REST, SOAP, ISO 20022, ISO 8583 etc. Centrally customize and monitor and all products, users type and transactions. Aggregate customer data from other systems like CRM, Trade & Finance, and aggregators and BI systems. We are enabling the retail banking industry with the digital-first approach by providing digital-first solutions. Create a unique digital experience for your customer's unique needs your bank. -
28
Bolt
Bolt Financial
Bolt is a next-generation checkout platform designed to make online purchases faster, safer, and more intuitive. It uses an intelligent shopper network to recognize customers instantly and enable one-click, passwordless checkout. Bolt adapts in real time based on shopper behavior, preferences, and purchase history. The platform helps businesses reduce cart abandonment and increase repeat purchases. Bolt integrates seamlessly into existing ecommerce stacks without disrupting current workflows. Its identity-driven checkout builds trust and improves conversion rates across sites. Trusted by leading brands, Bolt turns checkout into a competitive advantage. -
29
Prolitus Crypto Payment Gateway
Prolitus Technologies
Providing End-to-end NFT token development services to ensure users can tokenize their rare items or collectibles assets. World-class Metaverse NFT marketplace development services offered to help users create a perfect, virtual new world and also customize their own Metaverses. Create your own crypto tokens that are fungible and have legal compliance with our offerings of comprehensive SFT token development services. Unlock the benefits of DeFi yield farming strategies to generate more cryptos with existing cryptos. Launch your own DeFI wallets to enjoy complete freedom, transparency, security and accessibility of your digital assets. Peer-to-peer decentralized Applications or Dapps can enhance security of your systems and also bring about more transparency in the ecosystem. -
30
2Checkout
Verifone
The 2Checkout Monetization Platform is comprehensive and flexible, so you can quickly pursue new market opportunities and deliver exceptional user experiences. The all-in-one monetization platform that maximizes your revenues and makes global digital sales easier. We enable merchants to accept mobile and online payments from buyers worldwide. Our payment processing is seamless, safe, reliable, no matter where you are on the map. This is the all-in-one monetization package that helps global businesses grow digital commerce revenue streams. Get in front of new customers worldwide via our niche affiliates from across the globe, and use our channel manager solution to multiply your global distribution network online. Reach out through the channels where your customers are buying.Starting Price: 4.5% + $0.45 per sale
