{"id":27770,"date":"2026-10-06T10:22:13","date_gmt":"2026-10-06T09:22:13","guid":{"rendered":"https:\/\/commercialexperts.com\/uk\/?p=27770"},"modified":"2026-10-06T12:50:42","modified_gmt":"2026-10-06T11:50:42","slug":"best-payment-gateways-uk-compare-leading-providers","status":"publish","type":"post","link":"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/best-payment-gateways-uk-compare-leading-providers\/","title":{"rendered":"Best Payment Gateways UK: Compare Leading Providers"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"27770\" class=\"elementor elementor-27770\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4b5c3fa6 e-con-full e-flex e-con e-parent\" data-id=\"4b5c3fa6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4c661e34 elementor-widget elementor-widget-shortcode\" data-id=\"4c661e34\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\t\t<div data-elementor-type=\"container\" data-elementor-id=\"3421\" class=\"elementor elementor-3421\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4089210 e-con-full e-flex e-con e-parent\" data-id=\"4089210\" data-element_type=\"container\" data-e-type=\"container\" id=\"product-banner\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-c15a039 e-con-full e-flex e-con e-child\" data-id=\"c15a039\" data-element_type=\"container\" data-e-type=\"container\" id=\"hero-container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-fdf9b32 e-con-full e-flex e-con e-child\" data-id=\"fdf9b32\" data-element_type=\"container\" data-e-type=\"container\" id=\"hero-inner-container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1b3aef3 elementor-widget elementor-widget-heading\" data-id=\"1b3aef3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Compare Quotes From Merchant Account Providers, Today.<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6e6fa5e e-con-full e-flex e-con e-child\" data-id=\"6e6fa5e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-afc5fa8 elementor-widget elementor-widget-heading\" data-id=\"afc5fa8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Do you currently accept card payments?<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c817a62 e-grid e-con-full e-con e-child\" data-id=\"c817a62\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3f4893d elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"3f4893d\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"drop-button\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-float\" href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/Apply\" rel=\"nofollow\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Yes<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4ea1099 elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"4ea1099\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"drop-button\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-float\" href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/Apply\" rel=\"nofollow\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">No<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bd430b8 elementor-align-center elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"bd430b8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" id=\"Layer_1\" x=\"0px\" y=\"0px\" viewBox=\"0 0 1080 1080\" style=\"enable-background:new 0 0 1080 1080;\" xml:space=\"preserve\"><style type=\"text\/css\">\t.st0{display:none;fill:#FFFFFF;}\t.st1{fill:#45378A;}<\/style><g id=\"_x36_ff1e8d1-53ef-4e18-83cb-44b25912cc6c\" transform=\"matrix(1 0 0 1 540 540)\">\t<rect x=\"-540\" y=\"-540\" class=\"st0\" width=\"1080\" height=\"1080\"><\/rect><\/g><g id=\"bbbfeb99-66a1-4030-bfad-d841f1614ce3\" transform=\"matrix(1 0 0 1 540 540)\"><\/g><g transform=\"matrix(2.11 0 0 2.11 540 540)\">\t<g>\t\t<g transform=\"matrix(1 0 0 1 -4.05 -238.64)\">\t\t\t<path class=\"st1\" d=\"M-43.4-17.4h86.8c4.8,0,8.7,3.9,8.7,8.7V8.7c0,4.8-3.9,8.7-8.7,8.7    h-86.8c-4.8,0-8.7-3.9-8.7-8.7V-8.7C-52.1-13.5-48.2-17.4-43.4-17.4z\"><\/path>\t\t<\/g>\t\t<g transform=\"matrix(1 0 0 1 -4.05 25.64)\">\t\t\t<path class=\"st1\" 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S17.4-9.6,17.4,0z\"><\/path>\t\t<\/g>\t\t<g transform=\"matrix(1 0 0 1 -4.05 38.83)\">\t\t\t<path class=\"st1\" d=\"M-138.8,0.2c0,4.8-3.9,8.7-8.7,8.7h-25.6c2,39.9,17.7,78,44.6,107.6    l18.1-18.1c2.2-2.3,5.4-3.2,8.4-2.4c3,0.8,5.4,3.2,6.2,6.2c0.8,3-0.1,6.3-2.4,8.4l-18.1,18.1c29.6,26.9,67.6,42.6,107.6,44.6    v-25.6c0-4.8,3.9-8.7,8.7-8.7s8.7,3.9,8.7,8.7v25.6c39.9-2,78-17.7,107.6-44.6l-18.1-18.1c-3.3-3.4-3.2-8.8,0.1-12.2    c3.3-3.3,8.8-3.4,12.2-0.1l18.1,18.1c26.9-29.6,42.6-67.6,44.6-107.6h-25.6c-4.8,0-8.7-3.9-8.7-8.7s3.9-8.7,8.7-8.7h25.6    c-2-39.9-17.7-78-44.6-107.6L110.4-98c-2.2,2.3-5.4,3.2-8.4,2.4c-3-0.8-5.4-3.2-6.2-6.2c-0.8-3,0.1-6.3,2.4-8.4l18.1-18.1    c-65.9-60.1-166.6-60.1-232.5,0l18.1,18.1c2.3,2.2,3.2,5.4,2.4,8.4c-0.8,3-3.2,5.4-6.2,6.2c-3,0.8-6.3-0.1-8.4-2.4l-18.1-18.1    c-26.9,29.6-42.6,67.6-44.6,107.6h25.6C-142.7-8.5-138.8-4.6-138.8,0.2z M-8.7-33.3v-114c0-4.8,3.9-8.7,8.7-8.7s8.7,3.9,8.7,8.7    v114c16.9,4.4,28,20.6,25.8,38S17.5,35.1,0,35.1s-32.2-13-34.4-30.3C-36.6-12.6-25.6-28.9-8.7-33.3z\"><\/path>\t\t<\/g>\t<\/g><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">It only takes a minute.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-57729ea0 e-flex e-con-boxed e-con e-parent\" data-id=\"57729ea0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f1dc9c8 elementor-widget elementor-widget-shortcode\" data-id=\"f1dc9c8\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"breadcrumb-post\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><nav aria-label=\"breadcrumbs\" class=\"rank-math-breadcrumb\"><p><span class=\"last\">Home<\/span><\/p><\/nav><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-163ed567 elementor-hidden-tablet elementor-hidden-mobile elementor-widget elementor-widget-shortcode\" data-id=\"163ed567\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\t\t<div data-elementor-type=\"container\" data-elementor-id=\"7091\" class=\"elementor elementor-7091\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-719a216e e-flex e-con-boxed e-con e-parent\" data-id=\"719a216e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6b4e295d elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"6b4e295d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Best Payment Gateways UK: Compare Leading Providers<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-797156a1 e-flex e-con-boxed e-con e-parent\" data-id=\"797156a1\" data-element_type=\"container\" data-e-type=\"container\" id=\"art-fullcon\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-405d415b e-con-full e-flex e-con e-child\" data-id=\"405d415b\" data-element_type=\"container\" data-e-type=\"container\" id=\"otp-col\" data-settings=\"{&quot;sticky&quot;:&quot;top&quot;,&quot;sticky_offset&quot;:110,&quot;sticky_parent&quot;:&quot;yes&quot;,&quot;sticky_on&quot;:[&quot;desktop&quot;],&quot;sticky_effects_offset&quot;:0,&quot;sticky_anchor_link_offset&quot;:0}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2d9667f0 elementor-widget elementor-widget-shortcode\" data-id=\"2d9667f0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\t\t<div data-elementor-type=\"container\" data-elementor-id=\"5000\" class=\"elementor elementor-5000\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fedf17f e-flex e-con-boxed e-con e-parent\" data-id=\"fedf17f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d70d77d elementor-widget elementor-widget-shortcode\" data-id=\"d70d77d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\t\t<div data-elementor-type=\"container\" data-elementor-id=\"8575\" class=\"elementor elementor-8575\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-97fb6a2 elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"97fb6a2\" data-element_type=\"container\" data-e-type=\"container\" id=\"on-this-page\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3cd958e elementor-widget elementor-widget-heading\" data-id=\"3cd958e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">On This Page<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2a21a3f elementor-hidden-desktop elementor-hidden-tablet e-con-full e-flex e-con e-parent\" data-id=\"2a21a3f\" data-element_type=\"container\" data-e-type=\"container\" id=\"on-this-page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-252e905 elementor-widget elementor-widget-heading\" data-id=\"252e905\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">On This Page<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-74e8604b e-con-full elementor-hidden-mobile elementor-hidden-tablet e-flex e-con e-child\" data-id=\"74e8604b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1e2fb64c elementor-widget elementor-widget-heading\" data-id=\"1e2fb64c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Find a card machine for your business today<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7c015591 elementor-widget elementor-widget-heading\" data-id=\"7c015591\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Get a quote in seconds with our simple form<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-11d54e10 h-button elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"11d54e10\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/Apply\" rel=\"nofollow\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-arrow-right\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Start Free Quote<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-61353e1c e-con-full e-flex e-con e-child\" data-id=\"61353e1c\" data-element_type=\"container\" data-e-type=\"container\" id=\"main-artcon\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5c5487f9 elementor-hidden-desktop elementor-widget elementor-widget-shortcode\" data-id=\"5c5487f9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\t\t<div data-elementor-type=\"container\" data-elementor-id=\"7091\" class=\"elementor elementor-7091\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-719a216e e-flex e-con-boxed e-con e-parent\" data-id=\"719a216e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6b4e295d elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"6b4e295d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Best Payment Gateways UK: Compare Leading Providers<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6aa2d847 elementor-widget elementor-widget-shortcode\" data-id=\"6aa2d847\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\t\t<div data-elementor-type=\"container\" data-elementor-id=\"7135\" class=\"elementor elementor-7135\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cd8505a e-con-full e-flex e-con e-parent\" data-id=\"cd8505a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c726538 elementor-widget elementor-widget-shortcode\" data-id=\"c726538\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><div class='tfli_author_box'><div class='tfli_author_details'><div class='tfli_author_details_content'><img alt='' src='https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2024\/11\/steve-o.png' srcset='https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2024\/11\/steve-o.png 2x' class='avatar avatar-60 photo avatar-default' height='60' width='60' \/><a href=\"https:\/\/commercialexperts.com\/uk\/authors\/stephen-thompson\/\"><h4>Stephen Thompson<\/h4><p>Content Writer<\/p><\/a><\/div><\/div><div class='tfli_post_details'><p>Last updated 06\/10\/2026<\/p><\/div><\/div><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6eee5f46 e-con-full e-flex e-con e-child\" data-id=\"6eee5f46\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b8bad40 elementor-widget elementor-widget-text-editor\" data-id=\"b8bad40\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><em><strong>Last reviewed: October 2026. Prices, products, integrations, and availability can change, so confirm current charges and commercial terms before applying or signing up.<\/strong><\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-615ce656 elementor-widget elementor-widget-heading\" data-id=\"615ce656\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"article-ititle\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\nWhich Is the Best Payment Gateway in the UK?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-101ef394 elementor-widget elementor-widget-text-editor\" data-id=\"101ef394\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>There is no universally &#8220;best&#8221; payment gateway for UK businesses. Instead, the right choice depends on your ecommerce platform, checkout experience, transaction volume, domestic and international sales, recurring payments, technical resources, existing merchant account, acquirer, or payment provider, and whether you need online and in-person payments.<\/p><p>Some providers bundle the gateway, payment processing, and merchant services into one service, while others may charge them separately.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6a8ee3b elementor-widget elementor-widget-heading\" data-id=\"6a8ee3b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Best Payment Gateways UK: Quick Comparison\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-035fd42 elementor-widget elementor-widget-text-editor\" data-id=\"035fd42\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The table below compares key areas across eight payment gateway providers. This is not a ranking of each provider, and all \u201cbest for\u201d classifications are based on comparative suitability rather than an unconditional recommendation.<\/p><p>Some bundle the gateway, processing, and merchant services while others support more traditional acquiring arrangements. Checkout options and integrations vary between products. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-50f0fd4e elementor-widget elementor-widget-shortcode\" data-id=\"50f0fd4e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\n<table id=\"tablepress-71\" class=\"tablepress tablepress-id-71\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\">Provider<\/th><th class=\"column-2\">Best for<\/th><th class=\"column-3\">Provider model<\/th><th class=\"column-4\">Gateway model<\/th><th class=\"column-5\">Ecommerce integrations<\/th><th class=\"column-6\">Payment methods<\/th><th class=\"column-7\">Recurring payments<\/th><th class=\"column-8\">International support<\/th><th class=\"column-9\">Pricing approach<\/th><th class=\"column-10\">Main strength<\/th><th class=\"column-11\">Main limitation<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\">Barclaycard<\/td><td class=\"column-2\">Established businesses wanting gateway and acquiring support<\/td><td class=\"column-3\">Acquirer and gateway provider<\/td><td class=\"column-4\">Hosted payment pages, direct API, virtual terminal, and product-dependent integrations<\/td><td class=\"column-5\">Ecommerce integrations; confirm platform compatibility<\/td><td class=\"column-6\">Cards and digital wallets<\/td><td class=\"column-7\">Stored credentials, tokenisation, and account-updater support<\/td><td class=\"column-8\">International acceptance; Smartpay Advance processes 100+ currencies and settles in 14 currencies<\/td><td class=\"column-9\">Contact for quote<\/td><td class=\"column-10\">Gateway, acquiring, and implementation support<\/td><td class=\"column-11\">Gateway pricing and commercial terms are quote-based<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\">Stripe<\/td><td class=\"column-2\">Custom checkout, subscriptions, and international ecommerce<\/td><td class=\"column-3\">Bundled payment service provider (PSP)<\/td><td class=\"column-4\">Hosted, embedded, and API-led<\/td><td class=\"column-5\">APIs, SDKs, and ecommerce integrations<\/td><td class=\"column-6\">Cards, wallets, bank payments, and local payment methods<\/td><td class=\"column-7\">Yes; Stripe Billing available at additional cost<\/td><td class=\"column-8\">135+ currencies; international and currency-conversion charges apply<\/td><td class=\"column-9\">Published: 1.5% + 20p for standard UK cards; other cards and services differ<\/td><td class=\"column-10\">Checkout flexibility and developer tooling<\/td><td class=\"column-11\">Extra costs can apply for Billing, international cards, and currency conversion<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\">Takepayments<\/td><td class=\"column-2\">Small businesses wanting supported ecommerce setup<\/td><td class=\"column-3\">Merchant-services provider with acquiring arrangements<\/td><td class=\"column-4\">Customisable gateway with ecommerce integrations<\/td><td class=\"column-5\">50+ integrations including Shopify, WooCommerce, Magento, WordPress, and OpenCart<\/td><td class=\"column-6\">Cards, Apple Pay, and Google Pay<\/td><td class=\"column-7\">Yes; recurring and scheduled payments<\/td><td class=\"column-8\">International requirements should be confirmed with Takepayments<\/td><td class=\"column-9\">Contact for quote<\/td><td class=\"column-10\">Supported onboarding and integration assistance<\/td><td class=\"column-11\">Pricing and acquiring arrangements are quote-based<\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td class=\"column-1\">Worldpay<\/td><td class=\"column-2\">Established, higher-volume, and international ecommerce businesses<\/td><td class=\"column-3\">Acquirer, processor, and gateway provider<\/td><td class=\"column-4\">Hosted, embedded, plugin-based, and API-led<\/td><td class=\"column-5\">Shopify, WooCommerce, Adobe Commerce, OpenCart, and others<\/td><td class=\"column-6\">Cards, wallets, and product-dependent local payment methods<\/td><td class=\"column-7\">Yes; tokenisation and subscription tools available<\/td><td class=\"column-8\">110+ currencies on Worldpay eCommerce; broader international capability through Worldpay online products<\/td><td class=\"column-9\">Published PAYG pricing: 1.5% + 20p Essential or 1.3% + 20p Full for Visa\/Mastercard consumer cards; other cards differ<\/td><td class=\"column-10\">International capability and range of integration options<\/td><td class=\"column-11\">Pricing becomes more complex for bespoke or higher-volume arrangements<\/td>\n<\/tr>\n<tr class=\"row-6\">\n\t<td class=\"column-1\">PayPal Point of Sale<\/td><td class=\"column-2\">Existing PayPal Point of Sale users exploring limited remote-payment or ecommerce connections<\/td><td class=\"column-3\">PSP and POS platform<\/td><td class=\"column-4\">Ecommerce integrations and product-dependent remote-payment tools<\/td><td class=\"column-5\">PayPal ecommerce connections and partner integrations<\/td><td class=\"column-6\">Depends on the connected PayPal service<\/td><td class=\"column-7\">Not a native POS feature; separate PayPal products may be required<\/td><td class=\"column-8\">Depends on the PayPal product used<\/td><td class=\"column-9\">Published: 2.5% for Payment Links, currently unavailable to new sellers<\/td><td class=\"column-10\">Connection with the wider PayPal ecosystem<\/td><td class=\"column-11\">Not a conventional standalone ecommerce gateway<\/td>\n<\/tr>\n<tr class=\"row-7\">\n\t<td class=\"column-1\">SumUp<\/td><td class=\"column-2\">Simple online selling<\/td><td class=\"column-3\">Bundled payment platform<\/td><td class=\"column-4\">Hosted, embedded, plugin-based, and API-led<\/td><td class=\"column-5\">WooCommerce and PrestaShop; Wix available to existing integrations, with new onboarding currently paused<\/td><td class=\"column-6\">Cards and digital wallets<\/td><td class=\"column-7\">Tokenised recurring payments supported through integration<\/td><td class=\"column-8\">International requirements and supported checkout currencies should be confirmed<\/td><td class=\"column-9\">Published: 2.5% online, \u00a30 monthly on standard online pricing<\/td><td class=\"column-10\">Online Store, Payment Links, and straightforward pricing<\/td><td class=\"column-11\">Recurring payments are more basic than full subscription-management platforms<\/td>\n<\/tr>\n<tr class=\"row-8\">\n\t<td class=\"column-1\">Square<\/td><td class=\"column-2\">Businesses combining online and in-person selling<\/td><td class=\"column-3\">Bundled PSP and business-software platform<\/td><td class=\"column-4\">Hosted, API-led, and plugin-based<\/td><td class=\"column-5\">Square Online, WooCommerce, Wix, Magento, BigCommerce, and others<\/td><td class=\"column-6\">Cards and digital wallets<\/td><td class=\"column-7\">Yes; subscription payments, recurring Payment Links, and card-on-file payments<\/td><td class=\"column-8\">Non-UK cards accepted; additional international charges apply<\/td><td class=\"column-9\">Published: 1.4% + 25p for UK online card payments; other channels differ<\/td><td class=\"column-10\">Connected ecommerce, POS, invoicing, and reporting<\/td><td class=\"column-11\">International cards cost more, and paid software can increase total cost<\/td>\n<\/tr>\n<tr class=\"row-9\">\n\t<td class=\"column-1\">Dojo<\/td><td class=\"column-2\">Businesses combining Dojo card machines with online payments<\/td><td class=\"column-3\">Acquirer and bundled payment-services provider<\/td><td class=\"column-4\">Hosted checkout, embedded components, plugins, APIs, mobile SDKs, and payment links<\/td><td class=\"column-5\">WooCommerce, Adobe Commerce, PrestaShop, OpenCart, and others<\/td><td class=\"column-6\">Cards, Apple Pay, and Google Pay<\/td><td class=\"column-7\">Tokenisation and stored credentials supported; full subscription management not established<\/td><td class=\"column-8\">Major card schemes supported; confirm international and cross-border requirements in your quote<\/td><td class=\"column-9\">Contact for quote<\/td><td class=\"column-10\">Online and in-person payments under one provider<\/td><td class=\"column-11\">Shopify is currently unsupported, and new online customers need a Dojo card machine<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-71 from cache --><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1e06b2f elementor-widget elementor-widget-heading\" data-id=\"1e06b2f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Payment Gateways by Business Requirement<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6403c2d elementor-widget elementor-widget-text-editor\" data-id=\"6403c2d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><em><strong>The recommendations below focus on comparative suitability rather than claiming one provider as universally best.<\/strong><\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e05bc4a e-con-full e-flex e-con e-child\" data-id=\"e05bc4a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bfae105 elementor-widget elementor-widget-heading\" data-id=\"bfae105\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Best for Simple Online Payment Setup\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2bdb5cc elementor-widget elementor-widget-text-editor\" data-id=\"2bdb5cc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>SumUp<\/strong> offers a straightforward approach to payment acceptance. Payment Links, its Online Store, published pricing, and no need for a separate merchant account make this a simple way to accept online payments. Its main drawbacks are limited checkout customisation and a relatively high 2.5% online transaction rate.<\/p><p><strong>Square<\/strong> is another option for businesses wanting simple online payments alongside broader business software.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ac4b32b e-con-full e-flex e-con e-child\" data-id=\"ac4b32b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-938e5bc elementor-widget elementor-widget-heading\" data-id=\"938e5bc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Best for Ecommerce Platform Integrations<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3eb746a elementor-widget elementor-widget-text-editor\" data-id=\"3eb746a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Stripe<\/strong> may suit ecommerce sellers, with integrations for Shopify, WooCommerce, Magento, BigCommerce, and Wix. It also offers extensive documentation to help simplify the integration process. Checkout customisation can depend on the ecommerce platform and integration method used.<\/p><p><strong>Worldpay<\/strong> may suit larger merchants needing support across more complex ecommerce environments.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1772732 e-con-full e-flex e-con e-child\" data-id=\"1772732\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8d49176 elementor-widget elementor-widget-heading\" data-id=\"8d49176\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Best for Custom and API-Led Integrations<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-09e3e24 elementor-widget elementor-widget-text-editor\" data-id=\"09e3e24\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>For businesses with development resources, <b>Stripe<\/b> offers extensive APIs, SDKs, webhooks, testing tools, and embedded checkout components. This advanced functionality does come with a more technical setup, making it less suitable for less tech-savvy sellers or those seeking a largely no-code setup.<\/p><p><b>Square<\/b> is an alternative where API-led online payments also need to connect with in-person operations.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0e7c83e e-con-full e-flex e-con e-child\" data-id=\"0e7c83e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-45d63af elementor-widget elementor-widget-heading\" data-id=\"45d63af\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Best for Subscriptions and Recurring Payments<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-417726d elementor-widget elementor-widget-text-editor\" data-id=\"417726d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Stripe<\/strong> offers Stripe Billing, which supports recurring billing, tokenisation, and failed-payment management. This comes with additional charges alongside standard payment processing fees.<\/p><p><strong>Barclaycard Smartpay Fuse<\/strong> may be worth considering for larger businesses already using Barclaycard acquiring and requiring stored-payment or account-updater functionality.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-229043e e-con-full e-flex e-con e-child\" data-id=\"229043e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e68ba94 elementor-widget elementor-widget-heading\" data-id=\"e68ba94\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Best for Subscriptions and Recurring Payments<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b9abad1 elementor-widget elementor-widget-text-editor\" data-id=\"b9abad1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Stripe<\/strong> offers Stripe Billing, which supports recurring billing, tokenisation, and failed-payment management. This comes with additional charges alongside standard payment processing fees.<\/p><p><strong>Barclaycard Smartpay Fuse<\/strong> may be worth considering for larger businesses already using Barclaycard acquiring and requiring stored-payment or account-updater functionality.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-06996e0 e-con-full e-flex e-con e-child\" data-id=\"06996e0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-635b2c9 elementor-widget elementor-widget-heading\" data-id=\"635b2c9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Best for International Selling<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-58d7335 elementor-widget elementor-widget-text-editor\" data-id=\"58d7335\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Worldpay<\/strong> is suited to businesses conducting business overseas, offering multicurrency selling and a broad range of payment methods. It publishes pay-as-you-go ecommerce pricing, although higher-volume or more complex arrangements may require a tailored quote.<\/p><p><strong>Stripe<\/strong> is an alternative for those seeking transparent international pricing, broad currency support, and local payment methods. Cross-border and currency-conversion charges may increase the total cost.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bf84de0 e-con-full e-flex e-con e-child\" data-id=\"bf84de0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9b16d98 elementor-widget elementor-widget-heading\" data-id=\"9b16d98\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Best for Small and Low-Volume Businesses<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e2c5d6d elementor-widget elementor-widget-text-editor\" data-id=\"e2c5d6d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>SumUp<\/strong> suits businesses wanting simple pricing, no long-term contract, and minimal fixed costs. Its percentage-based pricing can become less competitive as turnover increases.<\/p><p><strong>PayPal Point of Sale (Formerly Zettle)<\/strong> is another straightforward option for businesses already using PayPal services. However, as of October 2026, payment links are not available to new sellers.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-992615c e-con-full e-flex e-con e-child\" data-id=\"992615c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-52d165f elementor-widget elementor-widget-heading\" data-id=\"52d165f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Best for Small and Low-Volume Businesses<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-97f11a1 elementor-widget elementor-widget-text-editor\" data-id=\"97f11a1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>SumUp<\/strong> suits businesses wanting simple pricing, no long-term contract, and minimal fixed costs. Its percentage-based pricing can become less competitive as turnover increases.<\/p><p><strong>PayPal Point of Sale (Formerly Zettle)<\/strong> is another straightforward option for businesses already using PayPal services. However, as of October 2026, payment links are not available to new sellers.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6868b9a e-con-full e-flex e-con e-child\" data-id=\"6868b9a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6965037 elementor-widget elementor-widget-heading\" data-id=\"6965037\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Best for Larger or Higher-Volume Businesses\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ff40f32 elementor-widget elementor-widget-text-editor\" data-id=\"ff40f32\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Worldpay<\/strong> may suit larger businesses seeking negotiated pricing, international capabilities, account support, and payment infrastructure designed for higher volumes. For higher-volume or bespoke arrangements, request a quote and compare the complete cost against Worldpay\u2019s published pay-as-you-go options.<\/p><p><strong>Barclaycard<\/strong> is another option for established businesses wanting acquiring and gateway services within the same broader relationship.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3c82f6f e-con-full e-flex e-con e-child\" data-id=\"3c82f6f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-85beec0 elementor-widget elementor-widget-heading\" data-id=\"85beec0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Best for Omnichannel Businesses<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c5e22b4 elementor-widget elementor-widget-text-editor\" data-id=\"c5e22b4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Square<\/strong> is well suited to businesses selling across multiple channels, providing online payments, POS, invoicing, reporting, and refunds available within the same wider platform. Its ecommerce capabilities may not suit those looking for a more complex solution.<\/p><p>For hospitality businesses, <strong>Dojo<\/strong> provides in-person and online payment options through the same provider.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-dc278e6 e-con-full e-flex e-con e-child\" data-id=\"dc278e6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-32e75e4 elementor-widget elementor-widget-heading\" data-id=\"32e75e4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Best for Service Businesses<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-47af5ac elementor-widget elementor-widget-text-editor\" data-id=\"47af5ac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>SumUp<\/strong> is suitable for service businesses that need Payment Links, invoicing, and simple remote-payment options without building a full ecommerce site. <\/p><p><strong>Square<\/strong> offers a broader set of invoicing and business-management tools. Businesses with more advanced recurring-payment or subscription requirements may need a more specialised platform such as Stripe.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-799d98f e-con-full e-flex e-con e-child\" data-id=\"799d98f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4021eca elementor-widget elementor-widget-heading\" data-id=\"4021eca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How We Compared Payment Gateway Providers\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cd72c02 elementor-widget elementor-widget-text-editor\" data-id=\"cd72c02\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>At Commercial Experts, we compare UK payment gateway providers using a consistent set of commercial, technical, and operational criteria, including:<\/p><ul><li>Checkout experience<\/li><li>Integration options<\/li><li>Setup and development effort<\/li><li>Ecommerce platform compatibility<\/li><li>Supported payment methods<\/li><li>Recurring-payment capabilities<\/li><li>International payments and currencies<\/li><li>Fraud-prevention tools<\/li><li>PCI compliance implications<\/li><li>Pricing transparency<\/li><li>Transaction and gateway charges<\/li><li>Refund and chargeback costs<\/li><li>Reliability evidence<\/li><li>Customer support<\/li><li>Reporting and reconciliation<\/li><li>Settlement arrangements<\/li><li>Scalability<\/li><li>Omnichannel support<\/li><li>Portability of payment data and stored-payment tokens<\/li><\/ul><p>\u00a0<\/p><p>For evidence, we use a mix of official UK provider pricing pages, gateway and online-payment product pages, integration directories, developer documentation, terms and fee schedules, and published contract and support information. We also use relevant UK payment-industry guidance and existing Commercial Experts provider research where appropriate.<\/p><p><em><strong>We have not conducted hands-on testing of any payment gateways, nor have we carried out any mystery shopping. Published facts are kept separate from our editorial recommendations. Any \u201cBest for\u201d classification reflects comparative suitability for a particular business requirement rather than an unconditional recommendation.<\/strong><\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-54694b7 elementor-widget elementor-widget-heading\" data-id=\"54694b7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Payment Gateway, Payment Processor, and Merchant Account: What Is the Difference?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b678c91 elementor-widget elementor-widget-text-editor\" data-id=\"b678c91\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>It can be easy to confuse payment gateways, payment processors, and merchant accounts, especially as providers may bundle payment processing and gateway services together, whereas others may charge separately.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bc94aaf elementor-widget elementor-widget-heading\" data-id=\"bc94aaf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Payment Gateway<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3aa7d08 elementor-widget elementor-widget-text-editor\" data-id=\"3aa7d08\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A payment gateway securely captures and transmits payment information from the customer-facing checkout to the authorising and processing services. Depending on your provider, the gateway may use a hosted payment page, embedded checkout, ecommerce plugin, or API integration.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-80818e9 elementor-widget elementor-widget-heading\" data-id=\"80818e9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Payment Processor<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9bca5da elementor-widget elementor-widget-text-editor\" data-id=\"9bca5da\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The payment processor communicates transaction information between the relevant parties so the payment can be authorised and completed. Some providers may bundle the processor and gateway together, whereas others may charge separately.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fced3c9 elementor-widget elementor-widget-heading\" data-id=\"fced3c9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Merchant Account<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-603040a elementor-widget elementor-widget-text-editor\" data-id=\"603040a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A merchant account is the acquiring arrangement through which card-payment funds are processed and settled before reaching your business bank account. Some businesses have a dedicated merchant account with an acquiring provider, while aggregated payment service providers group multiple businesses under a shared master merchant structure.<\/p><p><em><strong>For more detail, see our guides on What Is a Merchant Account?, How to Take Online Payments, and Best Merchant Accounts.<\/strong><\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-87dc788 elementor-widget elementor-widget-heading\" data-id=\"87dc788\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Bundled Payment Service Providers\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-926f4c3 elementor-widget elementor-widget-text-editor\" data-id=\"926f4c3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Some payment service providers combine the gateway, processing, acquiring, fraud tools, and settlement within one platform. This can simplify setup because you may not need separate contracts for each service. However, a bundled arrangement can also make it harder to change one component independently without affecting the wider payment setup.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2bfb80f e-con-full e-flex e-con e-child\" data-id=\"2bfb80f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-ea8a356 e-con-full e-flex e-con e-child\" data-id=\"ea8a356\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3b29c0d elementor-widget elementor-widget-image\" data-id=\"3b29c0d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"360\" height=\"195\" src=\"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2026\/07\/barclaycard.png\" class=\"attachment-full size-full wp-image-27323\" alt=\"\" srcset=\"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2026\/07\/barclaycard.png 360w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2026\/07\/barclaycard-300x163.png 300w\" sizes=\"(max-width: 360px) 100vw, 360px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2630e19 e-con-full e-flex e-con e-child\" data-id=\"2630e19\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-556086f elementor-widget elementor-widget-heading\" data-id=\"556086f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Barclaycard Payment Gateway<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fb41057 elementor-widget elementor-widget-heading\" data-id=\"fb41057\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\"><b>Best suited to:<\/b> Established SMEs and larger businesses that want a supported online gateway alongside traditional acquiring and are comfortable with complex API integrations.<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-41b57e3 elementor-widget elementor-widget-heading\" data-id=\"41b57e3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Overview<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b30c21d elementor-widget elementor-widget-text-editor\" data-id=\"b30c21d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Barclaycard is part of Barclays Bank, offering online payment gateways through its Smartpay range. Smartpay Fuse targets small, medium, and mid-sized corporate businesses, while Smartpay Advance is designed for larger organisations with more complex needs.<\/p><p>Barclaycard supports hosted payment pages, direct API integrations, ecommerce connections, virtual-terminal payments, MOTO transactions, mobile-optimised checkout, and digital wallets. Card details can also be stored for future payments, with an account-updater service available for recurring-payment credentials.<\/p><p>Smartpay Advance offers extra features including tokenisation, more than 100 processing currencies, and settlement into 14 currencies.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4bd3fe6 elementor-widget elementor-widget-heading\" data-id=\"4bd3fe6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Pricing and Contract\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-92c941f elementor-widget elementor-widget-text-editor\" data-id=\"92c941f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Barclaycard does not publish standard pricing for any Fuse products. You must request a quote to establish gateway charges, processing rates, setup costs, fraud tools, settlement arrangements, contract terms, and cancellation conditions.<\/p><p>Some fraud services, including Barclaycard Transact, may cost extra, so confirm all included features in your quote.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f4dc238 elementor-widget elementor-widget-heading\" data-id=\"f4dc238\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Key Strengths<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1fb42e0 elementor-widget elementor-widget-text-editor\" data-id=\"1fb42e0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Hosted checkout and direct API options.<\/li><li>Virtual terminal and MOTO support.<\/li><li>Stored credentials and tokenisation.<\/li><li>International and multi-currency capabilities.<\/li><li>Fraud-screening and authentication tools.<\/li><li>Integration and implementation support.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1bc4307 elementor-widget elementor-widget-heading\" data-id=\"1bc4307\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Main Limitations\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f132988 elementor-widget elementor-widget-text-editor\" data-id=\"f132988\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Gateway pricing is quote-based.<br \/>Some fraud tools cost extra.<\/li><li>Commercial and settlement terms depend on the agreement.<\/li><li>May be more complex than needed for a basic online store.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f0dbf87 elementor-widget elementor-widget-heading\" data-id=\"f0dbf87\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Verdict\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-33b898a elementor-widget elementor-widget-text-editor\" data-id=\"33b898a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Shortlist Barclaycard<\/strong> if you want a supported gateway with traditional acquiring and room to scale into more complex integrations.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7d12b84 e-con-full e-flex e-con e-child\" data-id=\"7d12b84\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-0d73789 e-con-full e-flex e-con e-child\" data-id=\"0d73789\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b826b51 elementor-widget elementor-widget-image\" data-id=\"b826b51\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"960\" height=\"400\" src=\"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2026\/07\/Stripe.webp\" class=\"attachment-full size-full wp-image-27216\" alt=\"Stripe logo\" srcset=\"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2026\/07\/Stripe.webp 960w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2026\/07\/Stripe-300x125.webp 300w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2026\/07\/Stripe-768x320.webp 768w\" sizes=\"(max-width: 960px) 100vw, 960px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-db3d627 e-con-full e-flex e-con e-child\" data-id=\"db3d627\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a15b223 elementor-widget elementor-widget-heading\" data-id=\"a15b223\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Stripe Payment Gateway\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8828ebf elementor-widget elementor-widget-heading\" data-id=\"8828ebf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\"><b>Best suited to:<\/b> Ecommerce and subscription businesses, and those selling abroad seeking flexible checkout options, strong developer tools, and published pay-as-you-go pricing.<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bfee884 elementor-widget elementor-widget-heading\" data-id=\"bfee884\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Overview\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1cf7649 elementor-widget elementor-widget-text-editor\" data-id=\"1cf7649\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Stripe bundles a payment platform and PSP, removing the need for a separate merchant account. Its online payment offerings include Stripe Checkout, Payment Links, embedded payment components, APIs, SDKs, and ecommerce integrations. This gives you a choice between hosted checkout and more customised implementations.<br \/>Stripe also supports digital wallets, mobile checkout, recurring payments through<\/p><p>Stripe Billing, tokenised payment details, failed-payment management, 3D Secure, and Radar fraud tools.<\/p><p>If you sell overseas, Stripe supports 135+ currencies and a wide range of local payment methods.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e0279fd elementor-widget elementor-widget-heading\" data-id=\"e0279fd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Pricing and Contract\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1253b41 elementor-widget elementor-widget-text-editor\" data-id=\"1253b41\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Stripe\u2019s standard UK pricing has no setup or monthly payment-processing fee. Costs include:<\/p><p>Standard UK cards: <strong>1.5% + 20p<\/strong><br \/>Premium UK cards: <strong>2.8% + 20p<\/strong><br \/>EEA cards: <strong>2.5% + 20p<\/strong><br \/>Other international cards: <strong>3.15% + 20p<\/strong><\/p><p>Currency conversion adds <strong>2%<\/strong> where required.<\/p><p>Stripe Billing costs <strong>0.7% of Billing volume<\/strong> on its pay-as-you-go plan, with monthly plans also available. Dispute fees are <strong>\u00a320<\/strong>. Custom pricing is available for larger or more complex payment volumes.<\/p><p><em><strong>These figures are correct as of October 2026.<\/strong><\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bbdf416 elementor-widget elementor-widget-heading\" data-id=\"bbdf416\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Key Strengths\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-758e734 elementor-widget elementor-widget-text-editor\" data-id=\"758e734\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Hosted, embedded, and API-led checkout options.<\/li><li>Extensive developer documentation and tools.<\/li><li>Subscription and recurring-payment capabilities.<\/li><li>Broad international and local payment method support.<\/li><li>Published standard pricing.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-37b2e6d elementor-widget elementor-widget-heading\" data-id=\"37b2e6d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Main Limitations<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-14b9570 elementor-widget elementor-widget-text-editor\" data-id=\"14b9570\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Advanced integrations can require development resources.<\/li><li>Billing, international payments, and currency conversion add extra costs.<\/li><li>May offer more functionality than a basic UK-only business requires.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0495ee6 elementor-widget elementor-widget-heading\" data-id=\"0495ee6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Verdict\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ec821f1 elementor-widget elementor-widget-text-editor\" data-id=\"ec821f1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Shortlist Stripe<\/strong> if you need flexible ecommerce integration, subscriptions, international payments, or developer-led checkout control.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4636b16 e-con-full e-flex e-con e-child\" data-id=\"4636b16\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-7e72261 e-con-full e-flex e-con e-child\" data-id=\"7e72261\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7e8b696 elementor-widget elementor-widget-image\" data-id=\"7e8b696\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1900\" height=\"281\" src=\"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2026\/10\/take-payments.png\" class=\"attachment-full size-full wp-image-27759\" alt=\"\" srcset=\"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2026\/10\/take-payments.png 1900w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2026\/10\/take-payments-300x44.png 300w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2026\/10\/take-payments-1024x151.png 1024w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2026\/10\/take-payments-768x114.png 768w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2026\/10\/take-payments-1536x227.png 1536w\" sizes=\"(max-width: 1900px) 100vw, 1900px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ef7a36c e-con-full e-flex e-con e-child\" data-id=\"ef7a36c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-de4d568 elementor-widget elementor-widget-heading\" data-id=\"de4d568\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Takepayments Payment Gateway\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ceb47bf elementor-widget elementor-widget-heading\" data-id=\"ceb47bf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\"><b>Best suited to:<\/b> Small UK businesses that want a supported online-payment setup, ecommerce integrations, and access to online and in-person payment services.\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-46d32f5 elementor-widget elementor-widget-heading\" data-id=\"46d32f5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Overview\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5d10d67 elementor-widget elementor-widget-text-editor\" data-id=\"5d10d67\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Takepayments provides online payment services alongside its wider merchant-services offering. Its payment gateway integrates with more than 50 shopping carts, including Shopify, WooCommerce, Magento, WordPress, and OpenCart, and accepts major cards alongside Apple Pay and Google Pay.<\/p><p>With Takepayments, you can customise your gateway to match your website&#8217;s design, with implementation support provided. Other options include payment links and a virtual terminal.<\/p><p>The gateway also supports recurring and scheduled transactions, with real-time transaction reporting available through the merchant account.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6f8c5a3 elementor-widget elementor-widget-heading\" data-id=\"6f8c5a3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Pricing and Contract<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9f62d9e elementor-widget elementor-widget-text-editor\" data-id=\"9f62d9e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Takepayments does not publicly display its pricing, requiring a quote to establish the total cost.<\/p><p>If you sign up through Takepayments, you must enter an agreement with an acquiring bank that is nominated by Takepayments rather than selected independently by you.<\/p><p>Although Takepayments advertises next-working-day settlement for eligible services, ecommerce pay pages, payment links, and virtual-terminal transactions may have different settlement timescales. Ensure that these timelines are clearly outlined in your quote before signing an agreement.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cce135f elementor-widget elementor-widget-heading\" data-id=\"cce135f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Key Strengths<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-be0c35b elementor-widget elementor-widget-text-editor\" data-id=\"be0c35b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Integrations with 50+ shopping carts.<\/li><li>Apple Pay and Google Pay support.<\/li><li>Customisable website checkout.<\/li><li>Recurring and scheduled payments.<\/li><li>Payment links and virtual terminal.<\/li><li>Seven-day customer support.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fede08c elementor-widget elementor-widget-heading\" data-id=\"fede08c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Main Limitations<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0450ebd elementor-widget elementor-widget-text-editor\" data-id=\"0450ebd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Gateway pricing is quote-based.<\/li><li>Separate acquiring agreements may apply.<\/li><li>Online settlement times can differ from card-machine settlement.<\/li><li>Less developer-led than API-first platforms.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-833c594 elementor-widget elementor-widget-heading\" data-id=\"833c594\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Verdict\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-26fa960 elementor-widget elementor-widget-text-editor\" data-id=\"26fa960\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Shortlist Takepayments<\/strong> if you want supported setup and multiple online-payment options without managing the integration alone.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f7d69c9 e-con-full e-flex e-con e-child\" data-id=\"f7d69c9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-a8a995a e-con-full e-flex e-con e-child\" data-id=\"a8a995a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-241e9ad elementor-widget elementor-widget-image\" data-id=\"241e9ad\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"871\" height=\"275\" src=\"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2024\/07\/worldpay.png\" class=\"attachment-full size-full wp-image-249\" alt=\"worldpay logo\" srcset=\"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2024\/07\/worldpay.png 871w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2024\/07\/worldpay-300x95.png 300w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2024\/07\/worldpay-768x242.png 768w\" sizes=\"(max-width: 871px) 100vw, 871px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5d52c5d e-con-full e-flex e-con e-child\" data-id=\"5d52c5d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-92eeea8 elementor-widget elementor-widget-heading\" data-id=\"92eeea8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Worldpay Payment Gateway<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1bdc639 elementor-widget elementor-widget-heading\" data-id=\"1bdc639\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\"><b>Best suited to:<\/b> Established and growing businesses that need a scalable ecommerce gateway, international payment support, and a choice of hosted, embedded, plugin, and API-led integration options.<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bd848a3 elementor-widget elementor-widget-heading\" data-id=\"bd848a3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Overview<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-23e26ff elementor-widget elementor-widget-text-editor\" data-id=\"23e26ff\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Worldpay combines traditional merchant acquiring and payment processing. Its current online payment options include hosted checkout, embedded payment components, ecommerce plugins, API integration, digital wallets, Payment Links+, and a virtual terminal.<br \/><br \/>Worldpay also supports tokenisation, recurring payments, and subscriptions, with integration options for Shopify, WooCommerce, Adobe Commerce, and OpenCart. Worldpay eCommerce supports payments in more than 100 currencies alongside product-dependent local payment methods.<br \/><br \/><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6f7a5e3 elementor-widget elementor-widget-heading\" data-id=\"6f7a5e3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Pricing and Contract<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-29ebe07 elementor-widget elementor-widget-text-editor\" data-id=\"29ebe07\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Worldpay currently offers pay-as-you-go ecommerce pricing with no monthly commitment or setup fees.<\/p><p>Its Essential package charges <b>1.5% + 20p<\/b> for Visa and Mastercard consumer cards, while the Full package charges <b>1.3% + 20p.<\/b><\/p><p>Commercial cards and American Express cost <b>2.9% + 20p<\/b> on both packages.<\/p><p>Bespoke pricing is also available for higher transaction volumes.<\/p><p>Worldpay also promotes next-business-day settlement for its ecommerce service. Other charges may apply; ensure that all additional fees are clearly outlined in your quote.<\/p><p><em><strong>These figures are correct as of October 2026.<\/strong><\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-81bd8ba elementor-widget elementor-widget-heading\" data-id=\"81bd8ba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Key Strengths<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5aba49f elementor-widget elementor-widget-text-editor\" data-id=\"5aba49f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Hosted, embedded, plugin, and API checkout options.<\/li><li>Tokenisation and recurring-payment support.<\/li><li>International and multi-currency capabilities.<\/li><li>Apple Pay and Google Pay support.<\/li><li>FraudSight and 3DS Flex security tools.<\/li><li>Virtual terminal and Payment Links+.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-979c575 elementor-widget elementor-widget-heading\" data-id=\"979c575\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Main Limitations\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-faa0790 elementor-widget elementor-widget-text-editor\" data-id=\"faa0790\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Pricing can become more complex outside published<\/li><li>PAYG packages.<br \/>Bespoke commercial terms require a quote.<\/li><li>May offer more functionality than a very small online business needs.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-92a1eb0 elementor-widget elementor-widget-heading\" data-id=\"92a1eb0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Verdict<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fb4beaf elementor-widget elementor-widget-text-editor\" data-id=\"fb4beaf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Shortlist Worldpay<\/strong> if you need scalable ecommerce, international payments, recurring billing, or multiple integration routes.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9144a15 e-con-full e-flex e-con e-child\" data-id=\"9144a15\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-186c98a e-con-full e-flex e-con e-child\" data-id=\"186c98a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-2c08bbc e-con-full e-flex e-con e-child\" data-id=\"2c08bbc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a2b25c9 elementor-widget elementor-widget-image\" data-id=\"a2b25c9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"593\" height=\"585\" src=\"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2024\/08\/87d1d0843f64f89c0416aa9217bb5f050c5dd942.png\" class=\"attachment-full size-full wp-image-3590\" alt=\"paypal no credit check merchant account\" srcset=\"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2024\/08\/87d1d0843f64f89c0416aa9217bb5f050c5dd942.png 593w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2024\/08\/87d1d0843f64f89c0416aa9217bb5f050c5dd942-300x296.png 300w\" sizes=\"(max-width: 593px) 100vw, 593px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-97ead96 e-con-full e-flex e-con e-child\" data-id=\"97ead96\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9b2f7e7 elementor-widget elementor-widget-heading\" data-id=\"9b2f7e7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">PayPal Point of Sale Online Payments (Formerly Zettle)<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-39e4b44 elementor-widget elementor-widget-heading\" data-id=\"39e4b44\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\"><b>Best suited to:<\/b> Existing Zettle or PayPal Point of Sale users who want simple links or ecommerce connections alongside their in-person payments.<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bda293a elementor-widget elementor-widget-heading\" data-id=\"bda293a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Overview\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-97e8c74 elementor-widget elementor-widget-text-editor\" data-id=\"97e8c74\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>PayPal Point of Sale (previously Zettle) is positioned more as an in-person POS system with online payment acceptance capabilities, rather than a standalone payment gateway.<\/p><p>Some legacy remote-payment tools remain available to existing users. As of October 2026, Payment Links are currently unavailable to new sellers, while Zettle Invoice is restricted to eligible businesses that signed up before 8 May 2023.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5c349a8 elementor-widget elementor-widget-heading\" data-id=\"5c349a8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Pricing and Contract\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7839417 elementor-widget elementor-widget-text-editor\" data-id=\"7839417\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>PayPal Point of Sale has no monthly or startup fee and no long-term contract for its standard POS service. Pricing is currently listed as:<\/p><p><strong>Payment links:<\/strong> 2.5% (currently unavailable to new sellers)<\/p><p><strong>Zettle invoice:<\/strong> 2.5% (not available to those signing up after 8 May 2023)<\/p><p><strong>Standard card transactions:<\/strong> 1.75%<\/p><p>Funds can be made available in your PayPal Business account, with transfer options to a linked bank account subject to PayPal\u2019s applicable terms and availability.<br \/><br \/><em><strong>These figures are correct as of October 2026.<\/strong><\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d6f9cf3 elementor-widget elementor-widget-heading\" data-id=\"d6f9cf3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Key Strengths<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-798f996 elementor-widget elementor-widget-text-editor\" data-id=\"798f996\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Connection with the wider PayPal ecosystem.<\/li><li>Ecommerce integrations alongside POS.<\/li><li>Published transaction pricing.<\/li><li>No recurring POS subscription fee or long-term contract.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2b19178 elementor-widget elementor-widget-heading\" data-id=\"2b19178\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Main Limitations\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c3a05b8 elementor-widget elementor-widget-text-editor\" data-id=\"c3a05b8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Not a conventional standalone ecommerce gateway.<\/li><li>Payment Links are unavailable to new sellers.<\/li><li>Zettle Invoice has legacy-account restrictions.<\/li><li>Limited native online functionality compared with specialist gateways.<\/li><li>Recurring subscriptions are not presented as a native PayPal POS feature.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7eef840 elementor-widget elementor-widget-heading\" data-id=\"7eef840\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Verdict\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-71773e4 elementor-widget elementor-widget-text-editor\" data-id=\"71773e4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Consider PayPal Point of Sale<\/strong> if you already use Zettle or PayPal for in-person sales and need straightforward connected online options.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-55a357b e-con-full e-flex e-con e-child\" data-id=\"55a357b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-89be79d e-con-full e-flex e-con e-child\" data-id=\"89be79d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-5108b00 e-con-full e-flex e-con e-child\" data-id=\"5108b00\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b9a5ca6 elementor-widget elementor-widget-image\" data-id=\"b9a5ca6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"500\" height=\"151\" src=\"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2024\/10\/Sumup_logo.png\" class=\"attachment-full size-full wp-image-11565\" alt=\"sumup logo\" srcset=\"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2024\/10\/Sumup_logo.png 500w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2024\/10\/Sumup_logo-300x91.png 300w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-71dcab4 e-con-full e-flex e-con e-child\" data-id=\"71dcab4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-644d45f elementor-widget elementor-widget-heading\" data-id=\"644d45f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">SumUp Online Payment Gateway\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-10fe6ea elementor-widget elementor-widget-heading\" data-id=\"10fe6ea\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\"><b>Best suited to:<\/b> Small businesses that want straightforward online selling, payment links, and simple website checkout alongside SumUp\u2019s in-person payment tools.\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a7103fc elementor-widget elementor-widget-heading\" data-id=\"a7103fc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Overview\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c04a85b elementor-widget elementor-widget-text-editor\" data-id=\"c04a85b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>SumUp is a bundled payment platform rather than a traditional standalone gateway. Its UK online-payment products include Payment Links, a free Online Store, online invoices, Hosted Checkout, an embedded Payment Widget, ecommerce plugins, APIs, and mobile checkout tools.<\/p><p>SumUp provides the payment infrastructure as part of its platform without the need for a separate merchant account. This can simplify online and in-person payment acceptance because separate acquiring and gateway agreements are not required.<\/p><p>Its developer tools also support tokenisation and recurring payments, although its recurring-payment functionality is more limited than a dedicated subscription-management platform.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b37cf5c elementor-widget elementor-widget-heading\" data-id=\"b37cf5c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Pricing and Contract\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b17d6f4 elementor-widget elementor-widget-text-editor\" data-id=\"b17d6f4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>SumUp currently charges 2.5% per online transaction across products such as Payment Links, its Online Store, and other digital payment tools. The standard online service has \u00a30 monthly cost and no setup fee. No binding contract is required.<\/p><p>If you rely on SDK or API integrations, you can contact its sales team about custom pricing.<\/p><p>Settlement and account arrangements depend on the SumUp setup used, so confirm these timings in writing before signing up or agreeing to any bespoke terms.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d7b7e85 elementor-widget elementor-widget-heading\" data-id=\"d7b7e85\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Key Strengths<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-81c8a0d elementor-widget elementor-widget-text-editor\" data-id=\"81c8a0d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Published online pricing.<\/li><li>Payment Links and free Online Store.<\/li><li>Hosted and embedded checkout options.<\/li><li>Plugins, APIs, and mobile SDKs.<\/li><li>Tokenisation and recurring-payment support.<\/li><li>Combined online and in-person payments.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-91c66f7 elementor-widget elementor-widget-heading\" data-id=\"91c66f7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Main Limitations\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-79d1600 elementor-widget elementor-widget-text-editor\" data-id=\"79d1600\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Less advanced than specialist developer-led gateways.<\/li><li>Recurring payments are relatively basic.<\/li><li>Flat-rate pricing may become less attractive at higher volumes.<\/li><li>Checkout customisation is more limited than API-first platforms.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2815840 elementor-widget elementor-widget-heading\" data-id=\"2815840\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Verdict\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a84b8d7 elementor-widget elementor-widget-text-editor\" data-id=\"a84b8d7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Shortlist SumUp<\/strong> if you want simple online selling with transparent pricing and minimal setup.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c8a54d0 e-con-full e-flex e-con e-child\" data-id=\"c8a54d0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-dece57b e-con-full e-flex e-con e-child\" data-id=\"dece57b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-9386603 e-con-full e-flex e-con e-child\" data-id=\"9386603\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bc64ec1 elementor-widget elementor-widget-image\" data-id=\"bc64ec1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"512\" height=\"512\" src=\"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2026\/06\/square.png\" class=\"attachment-full size-full wp-image-27086\" alt=\"Square Logo\" srcset=\"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2026\/06\/square.png 512w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2026\/06\/square-300x300.png 300w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2026\/06\/square-150x150.png 150w\" sizes=\"(max-width: 512px) 100vw, 512px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1e0af9c e-con-full e-flex e-con e-child\" data-id=\"1e0af9c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5cd04ed elementor-widget elementor-widget-heading\" data-id=\"5cd04ed\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Square Online Payment Gateway<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-20df341 elementor-widget elementor-widget-heading\" data-id=\"20df341\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\"><b>Best suited to: <\/b>Small and mid-sized businesses that want online payments, invoicing, ecommerce, and in-person POS tools within one platform.<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5aaf2dc elementor-widget elementor-widget-heading\" data-id=\"5aaf2dc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Overview\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-08337ea elementor-widget elementor-widget-text-editor\" data-id=\"08337ea\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Square is a bundled payment platform and business-software provider, so you do not need to enter into a separate merchant account agreement. Its UK online-payment services include Square Online, Online Checkout, payment links, invoices, a virtual terminal, ecommerce APIs, and integrations with platforms including WooCommerce, Wix, Magento, and BigCommerce.<\/p><p>Square can connect online and physical stores through shared inventory management and reporting.<\/p><p>Square also supports recurring and subscription payments, card-on-file transactions, and digital wallets through its wider payments platform.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d6b577a elementor-widget elementor-widget-heading\" data-id=\"d6b577a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Pricing and Contract\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aa10f98 elementor-widget elementor-widget-text-editor\" data-id=\"aa10f98\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Square charges <strong>1.4% + 25p<\/strong> for UK cards taken through Square Online, its ecommerce API, and eligible Online Checkout payments. Non-UK cards cost <strong>2.5% + 25p.<\/strong><\/p><p>Payments taken through Online Payment Links, Square Invoices, the Virtual Terminal, or manually keyed into the POS app cost <strong>2.5%<\/strong>.<\/p><p>Square also lists a <strong>1.5% international transaction fee<\/strong> where the card is issued in a different country from the merchant\u2019s Square account, so check how this applies to your specific payment method and transaction type.<\/p><p>Square does not charge account activation, early-termination, chargeback, inactivity, or PCI-compliance fees.<\/p><p><em><strong>These figures are correct as of October 2026.<\/strong><\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8404aaf elementor-widget elementor-widget-heading\" data-id=\"8404aaf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Key Strengths<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1c9de0d elementor-widget elementor-widget-text-editor\" data-id=\"1c9de0d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Ecommerce and in-person payments under one platform.<\/li><li>Published online pricing.<\/li><li>Payment links, invoicing, and virtual terminal.<\/li><li>Ecommerce APIs and third-party integrations.<\/li><li>Recurring and card-on-file payment options.<\/li><li>No long-term contract or early-termination fee.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-34f0b00 elementor-widget elementor-widget-heading\" data-id=\"34f0b00\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Main Limitations\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f21ff3c elementor-widget elementor-widget-text-editor\" data-id=\"f21ff3c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Flat-rate pricing may be less competitive at higher volumes.<\/li><li>Paid software can increase overall cost.<\/li><li>Less internationally focused than some specialist gateways.<\/li><li>Using multiple Square products can make switching individual payment or software components more involved.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bf54c05 elementor-widget elementor-widget-heading\" data-id=\"bf54c05\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Verdict\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e3e6c7b elementor-widget elementor-widget-text-editor\" data-id=\"e3e6c7b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Shortlist Square<\/strong> if you want ecommerce, invoicing, POS, and reporting to work together under one provider.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4075059 e-con-full e-flex e-con e-child\" data-id=\"4075059\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-3c777de e-con-full e-flex e-con e-child\" data-id=\"3c777de\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-c7cd3e2 e-con-full e-flex e-con e-child\" data-id=\"c7cd3e2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-84e14c4 e-con-full e-flex e-con e-child\" data-id=\"84e14c4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d54fc2d elementor-widget elementor-widget-image\" data-id=\"d54fc2d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"3600\" height=\"1582\" src=\"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2026\/07\/dojo.png\" class=\"attachment-full size-full wp-image-27217\" alt=\"dojo logo\" srcset=\"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2026\/07\/dojo.png 3600w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2026\/07\/dojo-300x132.png 300w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2026\/07\/dojo-1024x450.png 1024w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2026\/07\/dojo-768x337.png 768w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2026\/07\/dojo-1536x675.png 1536w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2026\/07\/dojo-2048x900.png 2048w\" sizes=\"(max-width: 3600px) 100vw, 3600px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6c66744 e-con-full e-flex e-con e-child\" data-id=\"6c66744\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ecf9276 elementor-widget elementor-widget-heading\" data-id=\"ecf9276\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Dojo Online Payments\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-94282cc elementor-widget elementor-widget-heading\" data-id=\"94282cc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\"><b>Best suited to: <\/b>Customer-facing businesses that want to connect in-person, online, and ecommerce sales with remote-payment tools.<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fce6ed8 elementor-widget elementor-widget-heading\" data-id=\"fce6ed8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Overview\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ff44e06 elementor-widget elementor-widget-text-editor\" data-id=\"ff44e06\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Dojo provides acquiring and payment services, not just a standalone payment gateway. Its product range includes card-machine services, ecommerce plugins, embedded checkout components, APIs, mobile SDKs, payment links, and virtual-terminal payments.<\/p><p>Ecommerce platforms such as WooCommerce, Adobe Commerce, PrestaShop, and OpenCart directly integrate with Dojo. Developer tools include customised embedded checkout, webhooks, sandbox testing, tokenisation, and stored credentials for future payments.<\/p><p>Dojo accepts major cards and digital wallets online and provides fraud controls including address verification and behavioural analysis.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4270b3c elementor-widget elementor-widget-heading\" data-id=\"4270b3c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Pricing and Contract\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-94689db elementor-widget elementor-widget-text-editor\" data-id=\"94689db\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Dojo does not publish one standard online transaction rate, with custom pricing based on your annual card turnover and business requirements.<\/p><p>Payment Links carry no monthly fee, although remote-payment transaction charges apply according to your agreed plan. Confirm any applicable gateway charges, contract terms, cancellation conditions, settlement arrangements, and ancillary fees in your proposal.<\/p><p>New customers wanting Dojo online payments currently need a Dojo card machine, linking the ecommerce proposition closely to its wider acquiring service.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-75f8428 elementor-widget elementor-widget-heading\" data-id=\"75f8428\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Key Strengths<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cc90c7c elementor-widget elementor-widget-text-editor\" data-id=\"cc90c7c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Ecommerce plugins and API integration.<\/li><li>Embedded and hosted payment options.<\/li><li>Payment Links and virtual terminal.<\/li><li>Tokenisation and stored credentials.<\/li><li>Online and in-person payments under one provider.<\/li><li>Published developer documentation and testing tools.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9bcb81a elementor-widget elementor-widget-heading\" data-id=\"9bcb81a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Main Limitations\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ae73c89 elementor-widget elementor-widget-text-editor\" data-id=\"ae73c89\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Online pricing is quote-based.<\/li><li>Shopify is currently unsupported.<\/li><li>New online customers need a Dojo card machine.<\/li><li>Less suitable for businesses wanting a completely independent ecommerce gateway.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a1da41b elementor-widget elementor-widget-heading\" data-id=\"a1da41b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Verdict\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-03556a4 elementor-widget elementor-widget-text-editor\" data-id=\"03556a4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><b>Shortlist Dojo<\/b> if you already want its acquiring and card-machine services and need online payments alongside them.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0952131 elementor-widget elementor-widget-heading\" data-id=\"0952131\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Types of Payment Gateway and Integration<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-119e679 elementor-widget elementor-widget-text-editor\" data-id=\"119e679\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Payment gateways come in numerous forms, and your choice impacts how much control you have over checkout, the development work required, the customer experience, and your PCI compliance responsibilities.<\/p><p>Choosing the right payment gateway model for your business depends on your desired simplicity, customisation, and technical control.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2248626 elementor-widget elementor-widget-heading\" data-id=\"2248626\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Hosted and Redirected Checkout<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4324d13 elementor-widget elementor-widget-text-editor\" data-id=\"4324d13\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>With hosted or redirected checkout, customers complete payment through a checkout page managed by the payment provider. This model is straightforward to implement, reduces the required infrastructure, and can also reduce your PCI compliance scope, because your provider handles sensitive payment information.<\/p><p>It does come at the cost of less control over the payment interface, although some providers may still offer some level of customisation. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-57ba10b elementor-widget elementor-widget-heading\" data-id=\"57ba10b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Embedded Checkout and Hosted Fields<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a86df49 elementor-widget elementor-widget-text-editor\" data-id=\"a86df49\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Embedded checkout keeps payment fields within your website rather than sending customers to a separate payment page. Provider-hosted components or iframes can collect sensitive card information without that data passing through your own server.<\/p><p>This allows you to customise your checkout experience, but it does require more integration work. Customisation and PCI implications depend on how the embedded components are implemented.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6558e3f elementor-widget elementor-widget-heading\" data-id=\"6558e3f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Ecommerce Plugins<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a6186e elementor-widget elementor-widget-text-editor\" data-id=\"4a6186e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Ecommerce plugins are prebuilt integrations that connect a payment service to an ecommerce platform, eliminating the need for custom integrations. Availability can vary depending on your ecommerce platform, such as Shopify, WooCommerce, Magento, and BigCommerce.<\/p><p>Check whether a plugin is official or third-party, who maintains it, whether additional charges apply, and what happens when either the ecommerce platform or payment provider updates its software.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d87cc9e elementor-widget elementor-widget-heading\" data-id=\"d87cc9e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Direct and API Integration\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-de79fad elementor-widget elementor-widget-text-editor\" data-id=\"de79fad\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Direct API integrations offer a highly customisable checkout experience and can support more bespoke payment requirements. Developers may work with APIs, software development kits, webhooks, and testing environments.<\/p><p>This increased customisation places greater responsibility on your business for development, testing, maintenance, and security. Direct API integration is better suited to businesses with the technical resources to develop and maintain it.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-57bba0f elementor-widget elementor-widget-heading\" data-id=\"57bba0f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Payment Links<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e109f23 elementor-widget elementor-widget-text-editor\" data-id=\"e109f23\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Payment links offer a provider-hosted payment page that can be shared through email, text, invoices, or social media. They allow businesses to take remote payments without developing a complete ecommerce website.<\/p><p>Setup is relatively simple, but compare branding, reporting, and transaction charges with those applying to the provider&#8217;s standard online checkout.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6cb1fd7 elementor-widget elementor-widget-heading\" data-id=\"6cb1fd7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Virtual Terminals\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fc37629 elementor-widget elementor-widget-text-editor\" data-id=\"fc37629\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A virtual terminal lets your business enter payment information through a secure online interface, commonly for telephone payments and other card-not-present transactions. It can be useful for businesses taking payments remotely without an ecommerce checkout.<\/p><p>Compare card-not-present pricing, PCI responsibilities, fraud exposure, and any additional monthly or transaction charges before choosing this approach.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-751a941 elementor-widget elementor-widget-heading\" data-id=\"751a941\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How Much Does a UK Payment Gateway Cost?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e5ac3ab elementor-widget elementor-widget-text-editor\" data-id=\"e5ac3ab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>UK payment gateway costs depend on how the provider structures its service. Some providers may bundle gateway access, payment processing, and acquiring or merchant services, while others may charge separately for acquiring, processing, and gateway access.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-20c32d7 elementor-widget elementor-widget-heading\" data-id=\"20c32d7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Payment Gateway Fees to Compare\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-da2a20f elementor-widget elementor-widget-text-editor\" data-id=\"da2a20f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Look beyond the headline transaction rate, as this only makes up part of your total cost. When comparing providers, look for:<\/p><ul><li>Setup and integration fee<\/li><li>Monthly gateway fees<\/li><li>Gateway transaction charges<\/li><li>Payment-processing rates<\/li><li>Fixed authorisation charges<\/li><li>Minimum monthly charges<\/li><li>Ecommerce plugin or platform charges<\/li><li>Virtual-terminal fees<\/li><li>Recurring-billing charges<\/li><li>International card and cross-border charges<\/li><li>Currency-conversion fees<br \/>Refund fees<\/li><li>Chargeback and dispute fees<\/li><li>Additional fraud-tool charges<\/li><li>Faster-settlement fees<\/li><li>Contract and early-termination charges<\/li><\/ul><p>Some providers may bundle these together in a single package, while others may charge them separately.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7afcc93 elementor-widget elementor-widget-heading\" data-id=\"7afcc93\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Bundled Versus Separate Gateway Pricing<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-af0dfe4 elementor-widget elementor-widget-text-editor\" data-id=\"af0dfe4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A bundled PSP combines multiple functions, which can make the overall pricing structure easier to understand. This simplicity does not always translate into an automatically cheaper headline rate.<\/p><p>Likewise, paying a separate monthly gateway fee does not necessarily make a traditional arrangement more expensive. A lower processing rate or negotiated pricing could offset the fixed cost at higher transaction volumes.<\/p><p>When selecting a provider, remember to compare the total cost for the same transaction profile.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-14ab22d elementor-widget elementor-widget-heading\" data-id=\"14ab22d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Why the Cheapest Payment Gateway Depends on Your Business<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bdfea52 elementor-widget elementor-widget-text-editor\" data-id=\"bdfea52\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Your effective cost can quickly change depending on your:<\/p><ul><li>Monthly online turnover<\/li><li>Number of transactions<\/li><li>Average transaction value<\/li><li>Card mix (UK, EEA, international, consumer, and commercial cards may incur different charges)<\/li><li>Required currencies<\/li><li>Refund and chargeback volumes<\/li><li>Recurring payments<\/li><li>Optional fraud tools<\/li><li>Monthly or minimum charges<br \/><br \/><\/li><\/ul><p>A useful way to compare providers is the effective rate formula:<\/p><p><em><strong>Effective online payment rate = total online payment costs \u00f7 total online card turnover \u00d7 100<\/strong><\/em><\/p><p>When using this formula, use costs and turnover from the same period to maintain consistency and calculate a more accurate effective rate.<\/p><p>For a more detailed cost framework, see our <strong>Card Processing Fees<\/strong> guide.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e02f708 elementor-widget elementor-widget-heading\" data-id=\"e02f708\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How to Choose the Right Payment Gateway\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d9a4225 elementor-widget elementor-widget-text-editor\" data-id=\"d9a4225\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Choosing a payment gateway starts with understanding how your business takes payments both now and in the future. Below is a step-by-step guide to choosing the right one for your business.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5bb883f elementor-widget elementor-widget-heading\" data-id=\"5bb883f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">1. Define Your Online-Payment Requirements<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fe9e6d9 elementor-widget elementor-widget-text-editor\" data-id=\"fe9e6d9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Record your monthly online turnover, transaction count, average transaction value, customer locations, card and payment-method mix, refund rate, recurring-payment requirements, and expected growth. Use the same figures across all providers to make the comparison as accurate as possible.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ed54e3f elementor-widget elementor-widget-heading\" data-id=\"ed54e3f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">2. Check Your Ecommerce Platform<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c3cd808 elementor-widget elementor-widget-text-editor\" data-id=\"c3cd808\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Identify the integration plugins and third-party connectors your ecommerce platform already relies on. Check that your gateway is compatible and confirm restrictions, additional transaction fees, who maintains the integration, and who is responsible for technical support if something stops working.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-17d9d64 elementor-widget elementor-widget-heading\" data-id=\"17d9d64\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">3. Choose the Appropriate Checkout Model<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-25b9096 elementor-widget elementor-widget-text-editor\" data-id=\"25b9096\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Compare hosted and redirected checkout, embedded fields, ecommerce plugins, API integration, payment links, and virtual terminals. The right option depends on how much checkout control you need and whether you have the technical resources to build and maintain the integration.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5905322 elementor-widget elementor-widget-heading\" data-id=\"5905322\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">4. Compare the Complete Cost<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dc34273 elementor-widget elementor-widget-text-editor\" data-id=\"dc34273\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Look beyond the headline processing rate. Also account for fixed transaction charges, gateway fees, monthly fees, international and currency-conversion charges, refunds, chargebacks, fraud tools, and contract costs.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-edd1c9e elementor-widget elementor-widget-heading\" data-id=\"edd1c9e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">5. Check Payment Methods and Currencies<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4f49bf0 elementor-widget elementor-widget-text-editor\" data-id=\"4f49bf0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Confirm support for the payment methods your customers use, including credit and debit cards, digital wallets, local payment methods, and bank payments. If you sell overseas, check supported transaction and settlement currencies, along with international-card acceptance.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a0ceb18 elementor-widget elementor-widget-heading\" data-id=\"a0ceb18\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">6. Assess Recurring-Payment Requirements\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d0e5805 elementor-widget elementor-widget-text-editor\" data-id=\"d0e5805\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If you are a subscription-based business, compare subscription billing, tokenisation, card-on-file payments, variable amounts, failed-payment management, account-updater services, and cancellation and refund handling.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-392f4f3 elementor-widget elementor-widget-heading\" data-id=\"392f4f3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">7. Review Security and Fraud Controls\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3ee1cf4 elementor-widget elementor-widget-text-editor\" data-id=\"3ee1cf4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Check your PCI responsibilities, 3D Secure support, Strong Customer Authentication requirements, fraud screening, custom rules, address and security-code checks, dispute evidence, and whether advanced fraud tools cost extra.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-884bfba elementor-widget elementor-widget-heading\" data-id=\"884bfba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">8. Assess Support and Technical Resources<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b93b3e2 elementor-widget elementor-widget-text-editor\" data-id=\"b93b3e2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Consider whether you&#8217;ll handle implementation internally or use an agency or freelancer. Review provider documentation, test environments, integration assistance, support channels and hours, and responsibility for plugin problems.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-042f0b4 elementor-widget elementor-widget-heading\" data-id=\"042f0b4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">9. Examine Contracts and Portability<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-15ece8b elementor-widget elementor-widget-text-editor\" data-id=\"15ece8b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Check the minimum term, notice period, and early-termination conditions. Also investigate data export, stored payment token portability, recurring-payment migration, ownership of the integration, and what remains accessible after cancellation.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5dd30ad elementor-widget elementor-widget-heading\" data-id=\"5dd30ad\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">10. Consider Future Requirements<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e32ac04 elementor-widget elementor-widget-text-editor\" data-id=\"e32ac04\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Think beyond your immediate needs and consider your future requirements. Increased volumes, international expansion, new payment methods, subscriptions, marketplace functionality, multiple websites, mobile apps, in-person payments, and reporting or accounting integrations can all affect which provider remains suitable for the long term.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-90dbfdb elementor-widget elementor-widget-heading\" data-id=\"90dbfdb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Payment Gateway Selection Matrix\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0d7092f elementor-widget elementor-widget-text-editor\" data-id=\"0d7092f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Below is a matrix to help you narrow down the type of payment gateway and integration that best suits your business needs.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0363b56 elementor-widget elementor-widget-shortcode\" data-id=\"0363b56\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\n<table id=\"tablepress-73\" class=\"tablepress tablepress-id-73\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\">Business requirement<\/th><th class=\"column-2\">Features to prioritise<\/th><th class=\"column-3\">Commercial checks<\/th><th class=\"column-4\">Technical checks<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\">Basic ecommerce website<\/td><td class=\"column-2\">Hosted checkout, ecommerce plugins, digital wallets<\/td><td class=\"column-3\">Monthly gateway fees, transaction charges, minimum monthly charges<\/td><td class=\"column-4\">Platform compatibility, plugin support, checkout setup<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\">Subscription business<\/td><td class=\"column-2\">Tokenisation, stored credentials, recurring billing, failed-payment tools<\/td><td class=\"column-3\">Billing charges, transaction fees, failed-payment or recovery costs<\/td><td class=\"column-4\">Subscription integration, token handling, migration options<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\">International ecommerce<\/td><td class=\"column-2\">Multiple currencies, international cards, local payment methods<\/td><td class=\"column-3\">Cross-border charges, FX fees, international-card pricing<\/td><td class=\"column-4\">Regional availability, settlement currencies, payment-method support<\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td class=\"column-1\">Service business<\/td><td class=\"column-2\">Payment links, invoicing, virtual terminal, recurring payments where needed<\/td><td class=\"column-3\">Card-not-present rates, virtual-terminal fees, monthly charges<\/td><td class=\"column-4\">CRM, invoicing, or accounting connections<\/td>\n<\/tr>\n<tr class=\"row-6\">\n\t<td class=\"column-1\">Marketplace or platform<\/td><td class=\"column-2\">Split payments, seller onboarding, payout management, verification tools<\/td><td class=\"column-3\">Platform fees, payout charges, dispute responsibility<\/td><td class=\"column-4\">API capability, seller onboarding flows, compliance requirements<\/td>\n<\/tr>\n<tr class=\"row-7\">\n\t<td class=\"column-1\">Omnichannel business<\/td><td class=\"column-2\">Connected online and in-person payments, refunds, reporting, customer data<\/td><td class=\"column-3\">Total cost across channels, software fees, settlement charges<\/td><td class=\"column-4\">EPOS, ecommerce, reporting, and inventory integration<\/td>\n<\/tr>\n<tr class=\"row-8\">\n\t<td class=\"column-1\">Bespoke platform<\/td><td class=\"column-2\">APIs, SDKs, webhooks, embedded checkout, testing tools<\/td><td class=\"column-3\">Volume pricing, gateway fees, advanced-feature charges<\/td><td class=\"column-4\">Developer resources, testing, security responsibilities, long-term maintenance<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-73 from cache --><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-96cdfa9 elementor-widget elementor-widget-heading\" data-id=\"96cdfa9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Payment Gateway Due-Diligence Checklist\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7009d19 elementor-widget elementor-widget-text-editor\" data-id=\"7009d19\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Before selecting a payment gateway provider, ensure you know the answers to these questions:<\/p><ul><li>Is the gateway available to UK businesses?<\/li><li>Is it a standalone gateway or part of a bundled payment service?<\/li><li>Do I need a separate merchant account?<\/li><li>Must I use the provider\u2019s payment processing?<\/li><li>Does it integrate with my ecommerce platform?<\/li><li>Is the integration officially supported?<\/li><li>Who maintains the plugin?<\/li><li>What happens if the integration stops working?<\/li><li>Can I use hosted, embedded, and API-led checkout options?<\/li><li>Which payment methods are supported?<\/li><li>Which currencies can customers use?<\/li><li>Which currencies can be settled into my bank account?<\/li><li>Does it support recurring payments?<\/li><li>What tokenisation or card-on-file tools are available?<\/li><li>What are the complete UK and international transaction charges?<\/li><li>Is there a separate gateway or monthly fee?<\/li><li>Are there minimum monthly charges?<\/li><li>What are the refund, chargeback, and dispute fees?<\/li><li>Do advanced fraud tools cost extra?<\/li><li>What are the contract and cancellation terms?<\/li><li>What is the standard settlement time?<\/li><li>Does faster settlement cost extra?<\/li><li>What PCI responsibilities remain with my business?<\/li><li>What customer and technical support is included?<\/li><li>Can I export transaction and customer data?<\/li><li>Can stored payment tokens be transferred or migrated to another provider?<\/li><li>What happens to subscriptions if I change provider?<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2fd17a4 e-con-full e-flex e-con e-child\" data-id=\"2fd17a4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7ceb7b8 elementor-widget elementor-widget-heading\" data-id=\"7ceb7b8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Questions to Ask Your Web Developer or Ecommerce Agency\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f58cce7 elementor-widget elementor-widget-text-editor\" data-id=\"f58cce7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Understanding what your web developer or ecommerce agency offers is just as important as understanding what your payment gateway provider offers. Make sure you understand:<\/p><ul><li>Which gateways integrate natively with our ecommerce platform?<\/li><li>Is the integration supplied by the provider, platform, or a third party?<\/li><li>Will we need a custom API integration?<\/li><li>How much development and testing will be required?<\/li><li>Who will maintain the integration after launch?<\/li><li>Will the checkout remain on our website or redirect customers elsewhere?<\/li><li>How much control will we have over its appearance?<\/li><li>Which payment methods can the integration display?<\/li><li>What PCI responsibilities will remain with us?<\/li><li>Can the integration support subscriptions and stored cards?<\/li><li>How will refunds and disputes appear in our systems?<\/li><li>Can transaction data connect with our accounting or order-management software?<\/li><li>What happens if the provider changes its API or plugin?<\/li><li>Can we change the payment gateway later without rebuilding the checkout?<\/li><li>Can existing recurring-payment tokens be migrated?<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0739848 e-con-full e-flex e-con e-child\" data-id=\"0739848\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dda553d elementor-widget elementor-widget-heading\" data-id=\"dda553d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Changing Payment Gateways: Migration and Implementation\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6e4ec7c elementor-widget elementor-widget-text-editor\" data-id=\"6e4ec7c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If you already use a payment gateway and are looking to change to another provider, you should first review how the current service connects with your ecommerce platform, acquiring agreement, plugins, custom code, stored payment methods, subscriptions, reporting, and accounting systems.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-64d3584 e-con-full e-flex e-con e-child\" data-id=\"64d3584\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3db30bf elementor-widget elementor-widget-heading\" data-id=\"3db30bf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Review Your Existing Setup\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6aab80e elementor-widget elementor-widget-text-editor\" data-id=\"6aab80e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Map the parts of your payment setup that depend on your existing provider. This helps identify what needs replacing, rebuilding, or retaining and can expose dependencies that might otherwise delay the switch.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-82ab0e3 e-con-full e-flex e-con e-child\" data-id=\"82ab0e3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d757e5f elementor-widget elementor-widget-heading\" data-id=\"d757e5f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Confirm Data and Token Portability\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-72da744 elementor-widget elementor-widget-text-editor\" data-id=\"72da744\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Customer information and transaction records may be exportable, but stored card information generally cannot be downloaded and transferred to another provider, although it is worth confirming this functionality with your provider.<\/p><p>Payment tokens may also be specific to the existing gateway or processor and cannot always be migrated. Subscription businesses should establish what happens to stored credentials and active recurring payments before committing to a new provider.<\/p><p>Confirm what data can be exported, whether payment tokens can be transferred, and how subscriptions will be migrated rather than assuming the new provider can take them over automatically.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-47dc07e e-con-full e-flex e-con e-child\" data-id=\"47dc07e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c5636df elementor-widget elementor-widget-heading\" data-id=\"c5636df\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Build and Test the New Integration\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-908d11c elementor-widget elementor-widget-text-editor\" data-id=\"908d11c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Use your new provider&#8217;s test environment to ensure everything works before launch. Check successful and failed transactions, 3D Secure, refunds, recurring payments, digital wallets, international cards, confirmation emails, and reporting and reconciliation.<\/p><p>Remember to test payment scenarios that your business actually handles rather than checking whether only basic card payments succeed.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c2586b6 e-con-full e-flex e-con e-child\" data-id=\"c2586b6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1dfb101 elementor-widget elementor-widget-heading\" data-id=\"1dfb101\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Plan the Switch\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e45de86 elementor-widget elementor-widget-text-editor\" data-id=\"e45de86\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Try to plan the switch around slower periods to minimise the impact of any downtime. If possible, parallel test as well. Allow for DNS or plugin changes, staff training, and customer communication where required.<\/p><p>Before cancelling your old service, confirm how outstanding refunds will be handled, how long you will retain access to historic transaction data, and when cancellation should take effect.<\/p><p>Ensure that all testing is complete and your new gateway is fully operational before closing your existing arrangement, or you may find yourself unable to accept online payments altogether.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a96c4e elementor-widget elementor-widget-heading\" data-id=\"4a96c4e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Other Online Payment Providers to Consider\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f6a1308 elementor-widget elementor-widget-text-editor\" data-id=\"f6a1308\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The eight providers we\u2019ve covered may not be right for your business. Below are six other online payment providers that may better suit your needs.<\/p><p><strong>Paysafe:<\/strong> Consider it for ecommerce and card-not-present payments, including international and multi-currency requirements.<\/p><p><strong>Adyen:<\/strong> Consider it for online, international, or omnichannel payments, including websites, apps, and pay-by-link.<\/p><p><strong>GoCardless:<\/strong> Consider it for recurring payments, invoices, and bank-to-bank collections through Direct Debit and Open Banking rather than card acceptance.<\/p><p><strong>Tyl by NatWest:<\/strong> Consider it if you want hosted checkout, ecommerce plugins, APIs, payment links, and virtual-terminal support alongside acquiring.<\/p><p><strong>Global Payments:<\/strong> Consider it if you need online payments through hosted pages, gateways, APIs, virtual terminals, pay-by-link, or QR payments.<\/p><p><strong>Verifone:<\/strong> Consider it if you need hosted or integrated checkout, virtual-terminal payments, or API-based online-payment integration.<\/p><p><em><strong>Omission from the main comparison does not mean these providers are unsuitable. The right choice depends on your payment channels, integrations, pricing requirements, and support needs.<\/strong><\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-15c82ee elementor-widget elementor-widget-heading\" data-id=\"15c82ee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Final Recommendations: Which Payment Gateway Should You Choose?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a322f08 elementor-widget elementor-widget-text-editor\" data-id=\"a322f08\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>There is no definitive \u201cbest\u201d payment gateway; the right option depends on how you take payments, the complexity of your checkout, and the commercial terms you qualify for.<\/p><p>If you want a simple setup, prioritise hosted checkout, supported ecommerce plugins, transparent pricing, and straightforward support. For subscription businesses, look for recurring billing, tokenisation, and failed-payment management features.<br \/>For those selling overseas, look for supported currencies, local payment methods, international card charges, currency conversion, and settlement arrangements. If you have more technical resources available, assess APIs, documentation, testing tools, and the long-term work required to maintain the integration.<\/p><p>Service businesses may not need a full ecommerce checkout if payment links, invoices, or a virtual terminal meet their needs. If you sell across multiple channels, examine how online and in-person payments, refunds, reporting, and customer data connect.<\/p><p>At higher transaction volumes, always use the same information when requesting quotes for a like-for-like comparison. If you are switching providers, investigate data export, token portability, and recurring-payment migration before signing.<\/p><p>Build your shortlist around your commercial and technical requirements, then compare each provider using the same transaction assumptions before choosing a payment solution.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-19fdafff elementor-widget elementor-widget-heading\" data-id=\"19fdafff\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"article-ititle\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">FAQs<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1670e993 e-con-full e-flex e-con e-child\" data-id=\"1670e993\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-31910f8e elementor-widget elementor-widget-n-accordion\" data-id=\"31910f8e\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"faq-box\" data-settings=\"{&quot;max_items_expended&quot;:&quot;multiple&quot;,&quot;default_state&quot;:&quot;expanded&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-8310\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-8310\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What is the best payment gateway for a UK business? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-8310\" class=\"elementor-element elementor-element-274fbf13 e-con-full e-flex e-con e-child\" data-id=\"274fbf13\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-35b7b2f0 elementor-widget elementor-widget-text-editor\" data-id=\"35b7b2f0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>There is no single best payment gateway for every UK business. The right choice depends on your transaction profile, ecommerce platform, payment methods, checkout requirements, and technical resources. Compare providers using the same business assumptions rather than choosing one based on a headline rate alone.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-8311\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-8311\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What is the difference between a payment gateway and a payment processor? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-8311\" class=\"elementor-element elementor-element-76a24272 e-con-full e-flex e-con e-child\" data-id=\"76a24272\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-61cd8652 elementor-widget elementor-widget-text-editor\" data-id=\"61cd8652\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A payment gateway captures and securely transmits payment details from the customer to the payment system. A payment processor then communicates the transaction information between the relevant parties for authorisation and completion. Some providers bundle gateway and processing functions within one payment platform.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-8312\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-8312\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Do I need a merchant account as well as a payment gateway? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-8312\" class=\"elementor-element elementor-element-7684539 e-con-full e-flex e-con e-child\" data-id=\"7684539\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0b4f086 elementor-widget elementor-widget-text-editor\" data-id=\"0b4f086\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Traditional payment setups may require a separate merchant account alongside the gateway. Bundled payment service providers can include access to the processing and settlement structure within one service. A standalone gateway does not necessarily provide acquiring, so check how each provider structures the arrangement.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-8313\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-8313\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> How much does a payment gateway cost? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-8313\" class=\"elementor-element elementor-element-0dc8186 e-con-full e-flex e-con e-child\" data-id=\"0dc8186\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7cfff5a elementor-widget elementor-widget-text-editor\" data-id=\"7cfff5a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Payment gateway costs can include percentage transaction rates, fixed per-transaction charges, monthly gateway fees, international or currency-conversion charges, and fees for refunds or disputes. Some providers bundle these costs, while others separate gateway and processing charges, so compare total cost using your own transaction profile.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-8314\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-8314\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What is the cheapest payment gateway for a small business? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-8314\" class=\"elementor-element elementor-element-b769c82 e-con-full e-flex e-con e-child\" data-id=\"b769c82\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c179d3c elementor-widget elementor-widget-text-editor\" data-id=\"c179d3c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>There is no universally cheapest payment gateway for small businesses. Lower-volume businesses may benefit from providers with no or limited fixed monthly costs, but percentage charges can matter more as turnover grows. Compare total annual costs using your transaction count, average value, card mix, and sales channels.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-8315\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"6\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-8315\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Can a payment gateway integrate with my ecommerce platform? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-8315\" class=\"elementor-element elementor-element-03e2e5e e-con-full e-flex e-con e-child\" data-id=\"03e2e5e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c8ae153 elementor-widget elementor-widget-text-editor\" data-id=\"c8ae153\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Many payment gateways provide native integrations, ecommerce plugins, APIs, or third-party connectors for common platforms. Availability varies by provider, platform, country, and account type. Before choosing a gateway, confirm compatibility and establish who supplies, updates, and supports the integration if problems occur.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is the best payment gateway for a UK business?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"There is no single best payment gateway for every UK business. The right choice depends on your transaction profile, ecommerce platform, payment methods, checkout requirements, and technical resources. Compare providers using the same business assumptions rather than choosing one based on a headline rate alone.\"}},{\"@type\":\"Question\",\"name\":\"What is the difference between a payment gateway and a payment processor?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"A payment gateway captures and securely transmits payment details from the customer to the payment system. A payment processor then communicates the transaction information between the relevant parties for authorisation and completion. Some providers bundle gateway and processing functions within one payment platform.\"}},{\"@type\":\"Question\",\"name\":\"Do I need a merchant account as well as a payment gateway?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Traditional payment setups may require a separate merchant account alongside the gateway. Bundled payment service providers can include access to the processing and settlement structure within one service. A standalone gateway does not necessarily provide acquiring, so check how each provider structures the arrangement.\"}},{\"@type\":\"Question\",\"name\":\"How much does a payment gateway cost?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Payment gateway costs can include percentage transaction rates, fixed per-transaction charges, monthly gateway fees, international or currency-conversion charges, and fees for refunds or disputes. Some providers bundle these costs, while others separate gateway and processing charges, so compare total cost using your own transaction profile.\"}},{\"@type\":\"Question\",\"name\":\"What is the cheapest payment gateway for a small business?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"There is no universally cheapest payment gateway for small businesses. Lower-volume businesses may benefit from providers with no or limited fixed monthly costs, but percentage charges can matter more as turnover grows. Compare total annual costs using your transaction count, average value, card mix, and sales channels.\"}},{\"@type\":\"Question\",\"name\":\"Can a payment gateway integrate with my ecommerce platform?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Many payment gateways provide native integrations, ecommerce plugins, APIs, or third-party connectors for common platforms. Availability varies by provider, platform, country, and account type. Before choosing a gateway, confirm compatibility and establish who supplies, updates, and supports the integration if problems occur.\"}}]}<\/script>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f7d9d41 e-con-full e-flex e-con e-child\" data-id=\"f7d9d41\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ef6d9ae elementor-widget elementor-widget-heading\" data-id=\"ef6d9ae\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">More about Card Machines<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b2c4517 elementor-widget elementor-widget-heading\" data-id=\"b2c4517\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Find out more about Card Machines<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-144d2a9 e-con-full e-flex e-con e-child\" data-id=\"144d2a9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-9efb3ab e-con-full e-flex e-con e-child\" data-id=\"9efb3ab\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8c4ec7e elementor-grid-1 elementor-grid-tablet-1 elementor-grid-mobile-1 elementor-widget elementor-widget-loop-grid\" data-id=\"8c4ec7e\" data-element_type=\"widget\" data-e-type=\"widget\" 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0px;}@media(max-width:1024px){.elementor-1921 .elementor-element.elementor-element-945ae43 .elementor-widget-container{font-size:14px;}}@media(max-width:767px){.elementor-1921 .elementor-element.elementor-element-5b59782{--min-height:340px;}.elementor-1921 .elementor-element.elementor-element-d50222e{text-align:start;}.elementor-1921 .elementor-element.elementor-element-d50222e .elementor-heading-title{font-size:20px;}.elementor-1921 .elementor-element.elementor-element-945ae43 .elementor-widget-container{text-align:start;font-size:13px;}.elementor-1921 .elementor-element.elementor-element-7a41ec7{--justify-content:flex-start;}.elementor-1921 .elementor-element.elementor-element-4788e55{text-align:start;width:var( --container-widget-width, auto );max-width:auto;--container-widget-width:auto;--container-widget-flex-grow:0;}.elementor-1921 .elementor-element.elementor-element-4788e55 .elementor-heading-title{font-size:12px;line-height:1.2em;}.elementor-1921 .elementor-element.elementor-element-985fef4 .elementor-heading-title{font-size:12px;line-height:1.2em;}}<\/style>\t\t<div data-elementor-type=\"loop-item\" data-elementor-id=\"1921\" class=\"elementor elementor-1921 e-loop-item e-loop-item-25210 post-25210 post type-post status-publish format-standard has-post-thumbnail hentry category-merchant-accounts category-merchant-accounts-guide tag-card-machine tag-lopay content_type-guides\" data-elementor-post-type=\"elementor_library\" data-custom-edit-handle=\"1\">\n\t\t\t<a class=\"elementor-element elementor-element-5b59782 e-con-full e-flex e-con e-parent\" data-id=\"5b59782\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\" href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/lopay-card-machine-fees-card-readers-and-how-it-works\/\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d50222e elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"d50222e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">LoPay Card Machine: Fees, Card Readers, and How It Works<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7a41ec7 e-con-full e-flex e-con e-child\" data-id=\"7a41ec7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4788e55 elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"4788e55\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">By Stephen Thompson -<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-985fef4 elementor-widget elementor-widget-heading\" data-id=\"985fef4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">22 Jan 2026<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bef674f e-con-full elementor-hidden-mobile e-flex e-con e-child\" data-id=\"bef674f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-541381b elementor-grid-1 elementor-posts--align-left whats-trending elementor-posts--thumbnail-left elementor-grid-tablet-1 elementor-grid-mobile-1 elementor-widget elementor-widget-posts\" data-id=\"541381b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;classic_columns&quot;:&quot;1&quot;,&quot;classic_row_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]},&quot;classic_columns_tablet&quot;:&quot;1&quot;,&quot;classic_columns_mobile&quot;:&quot;1&quot;,&quot;classic_row_gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;classic_row_gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"posts.classic\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-posts-container elementor-posts elementor-posts--skin-classic elementor-grid\" role=\"list\">\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-12145 post type-post status-publish format-standard has-post-thumbnail hentry category-merchant-accounts category-merchant-accounts-guide tag-card-machine content_type-how-to\" role=\"listitem\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/taking-card-payments-ultimate-guide\/\" tabindex=\"-1\">\n\t\t\t<div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"800\" src=\"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2024\/10\/Your-Guide-to-Taking-Card-Payments-In-Person-and-Online.png\" class=\"attachment-full size-full wp-image-12954\" alt=\"Your Guide to Taking Card Payments In-Person and Online\" srcset=\"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2024\/10\/Your-Guide-to-Taking-Card-Payments-In-Person-and-Online.png 800w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2024\/10\/Your-Guide-to-Taking-Card-Payments-In-Person-and-Online-300x300.png 300w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2024\/10\/Your-Guide-to-Taking-Card-Payments-In-Person-and-Online-150x150.png 150w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2024\/10\/Your-Guide-to-Taking-Card-Payments-In-Person-and-Online-768x768.png 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h4 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/taking-card-payments-ultimate-guide\/\">\n\t\t\t\tHow to Take Credit Card Payments In 2025\t\t\t<\/a>\n\t\t<\/h4>\n\t\t\t\t<div class=\"elementor-post__excerpt\">\n\t\t\t<p>Taking card payments is key to business growth, here\u2019s how it works in-person and online. Taking<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-12323 post type-post status-publish format-standard has-post-thumbnail hentry category-merchant-accounts category-merchant-account-cost-saving tag-card-machine content_type-sector-explainers\" role=\"listitem\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/card-processing-fees\/\" tabindex=\"-1\">\n\t\t\t<div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"800\" src=\"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2024\/10\/Merchant-Account-Fees-Your-Guide-to-The-Cost-of-Taking-Digital-Payments.png\" class=\"attachment-full size-full wp-image-12447\" alt=\"Merchant Account Fees: Your Guide to The Cost of Taking Digital Payments\" srcset=\"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2024\/10\/Merchant-Account-Fees-Your-Guide-to-The-Cost-of-Taking-Digital-Payments.png 800w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2024\/10\/Merchant-Account-Fees-Your-Guide-to-The-Cost-of-Taking-Digital-Payments-300x300.png 300w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2024\/10\/Merchant-Account-Fees-Your-Guide-to-The-Cost-of-Taking-Digital-Payments-150x150.png 150w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2024\/10\/Merchant-Account-Fees-Your-Guide-to-The-Cost-of-Taking-Digital-Payments-768x768.png 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h4 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/card-processing-fees\/\">\n\t\t\t\tCard Processing Fees: What They Are and How They Work\t\t\t<\/a>\n\t\t<\/h4>\n\t\t\t\t<div class=\"elementor-post__excerpt\">\n\t\t\t<p>While having a merchant account boosts profits, understanding their cost is important. While having a merchant<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-12305 post type-post status-publish format-standard has-post-thumbnail hentry category-merchant-accounts category-merchant-accounts-guide tag-card-machine content_type-sector-explainers\" role=\"listitem\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/credit-card-chargebacks\/\" tabindex=\"-1\">\n\t\t\t<div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"800\" src=\"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2024\/10\/Chargebacks-Guide-What-They-Are-and-How-They-Affect-Your-Business.png\" class=\"attachment-full size-full wp-image-12634\" alt=\"Chargeback Guide\" srcset=\"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2024\/10\/Chargebacks-Guide-What-They-Are-and-How-They-Affect-Your-Business.png 800w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2024\/10\/Chargebacks-Guide-What-They-Are-and-How-They-Affect-Your-Business-300x300.png 300w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2024\/10\/Chargebacks-Guide-What-They-Are-and-How-They-Affect-Your-Business-150x150.png 150w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2024\/10\/Chargebacks-Guide-What-They-Are-and-How-They-Affect-Your-Business-768x768.png 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h4 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/credit-card-chargebacks\/\">\n\t\t\t\tCredit Card Chargebacks: All You Need to Know\t\t\t<\/a>\n\t\t<\/h4>\n\t\t\t\t<div class=\"elementor-post__excerpt\">\n\t\t\t<p>You may have heard of them before, but what are credit card chargebacks how can you<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2b44351 elementor-align-right elementor-widget elementor-widget-button\" data-id=\"2b44351\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/commercialexperts.com\/uk\/articles\/merchant-accounts\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-arrow-right\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">View all<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e3e7e25 e-con-full elementor-hidden-desktop elementor-hidden-tablet e-flex e-con e-child\" data-id=\"e3e7e25\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7988ab7 elementor-grid-1 elementor-posts--align-left whats-trending elementor-posts--thumbnail-left elementor-grid-tablet-2 elementor-grid-mobile-1 elementor-widget elementor-widget-posts\" data-id=\"7988ab7\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;classic_columns&quot;:&quot;1&quot;,&quot;classic_row_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]},&quot;classic_columns_tablet&quot;:&quot;2&quot;,&quot;classic_columns_mobile&quot;:&quot;1&quot;,&quot;classic_row_gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;classic_row_gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"posts.classic\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-posts-container elementor-posts elementor-posts--skin-classic elementor-grid\" role=\"list\">\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-3582 post type-post status-publish format-standard has-post-thumbnail hentry category-merchant-accounts category-merchant-account-cost-saving tag-card-machine content_type-best-of\" role=\"listitem\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/card-machines-for-small-business\/\" tabindex=\"-1\">\n\t\t\t<div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"1400\" height=\"934\" src=\"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2025\/05\/Adobe-Express-file.jpg\" class=\"attachment-full size-full wp-image-21175\" alt=\"contactless payments\" srcset=\"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2025\/05\/Adobe-Express-file.jpg 1400w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2025\/05\/Adobe-Express-file-300x200.jpg 300w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2025\/05\/Adobe-Express-file-1024x683.jpg 1024w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2025\/05\/Adobe-Express-file-768x512.jpg 768w\" sizes=\"(max-width: 1400px) 100vw, 1400px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h4 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/card-machines-for-small-business\/\">\n\t\t\t\tBest Card Machines For Your Small Business: 2025 Round-Up\t\t\t<\/a>\n\t\t<\/h4>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-12145 post type-post status-publish format-standard has-post-thumbnail hentry category-merchant-accounts category-merchant-accounts-guide tag-card-machine content_type-how-to\" role=\"listitem\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/taking-card-payments-ultimate-guide\/\" tabindex=\"-1\">\n\t\t\t<div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"800\" src=\"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2024\/10\/Your-Guide-to-Taking-Card-Payments-In-Person-and-Online.png\" class=\"attachment-full size-full wp-image-12954\" alt=\"Your Guide to Taking Card Payments In-Person and Online\" srcset=\"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2024\/10\/Your-Guide-to-Taking-Card-Payments-In-Person-and-Online.png 800w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2024\/10\/Your-Guide-to-Taking-Card-Payments-In-Person-and-Online-300x300.png 300w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2024\/10\/Your-Guide-to-Taking-Card-Payments-In-Person-and-Online-150x150.png 150w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2024\/10\/Your-Guide-to-Taking-Card-Payments-In-Person-and-Online-768x768.png 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h4 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/taking-card-payments-ultimate-guide\/\">\n\t\t\t\tHow to Take Credit Card Payments In 2025\t\t\t<\/a>\n\t\t<\/h4>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-12323 post type-post status-publish format-standard has-post-thumbnail hentry category-merchant-accounts category-merchant-account-cost-saving tag-card-machine content_type-sector-explainers\" role=\"listitem\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/card-processing-fees\/\" tabindex=\"-1\">\n\t\t\t<div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"800\" src=\"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2024\/10\/Merchant-Account-Fees-Your-Guide-to-The-Cost-of-Taking-Digital-Payments.png\" class=\"attachment-full size-full wp-image-12447\" alt=\"Merchant Account Fees: Your Guide to The Cost of Taking Digital Payments\" srcset=\"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2024\/10\/Merchant-Account-Fees-Your-Guide-to-The-Cost-of-Taking-Digital-Payments.png 800w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2024\/10\/Merchant-Account-Fees-Your-Guide-to-The-Cost-of-Taking-Digital-Payments-300x300.png 300w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2024\/10\/Merchant-Account-Fees-Your-Guide-to-The-Cost-of-Taking-Digital-Payments-150x150.png 150w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2024\/10\/Merchant-Account-Fees-Your-Guide-to-The-Cost-of-Taking-Digital-Payments-768x768.png 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h4 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/card-processing-fees\/\">\n\t\t\t\tCard Processing Fees: What They Are and How They Work\t\t\t<\/a>\n\t\t<\/h4>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b12e7be elementor-align-right elementor-mobile-align-right elementor-widget elementor-widget-button\" data-id=\"b12e7be\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/commercialexperts.com\/uk\/articles\/merchant-accounts\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-arrow-right\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">View all<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Last reviewed: October 2026. Prices, products, integrations, and availability can change, so confirm current charges and commercial terms before applying or signing up. Which Is the Best Payment Gateway in<\/p>\n","protected":false},"author":13,"featured_media":27771,"comment_status":"closed","ping_status":"open","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[7,41],"tags":[],"content_type":[143,141],"ppma_author":[39],"class_list":["post-27770","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-merchant-accounts","category-merchant-accounts-guide","content_type-best-of","content_type-guides"],"acf":[],"authors":[{"term_id":39,"user_id":13,"is_guest":0,"slug":"stephen-thompson","display_name":"Stephen Thompson","avatar_url":{"url":"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2024\/11\/steve-o.png","url2x":"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2024\/11\/steve-o.png"},"author_category":"","first_name":"Stephen","last_name":"Thompson","user_url":"","job_title":"","description":""}],"_links":{"self":[{"href":"https:\/\/commercialexperts.com\/uk\/wp-json\/wp\/v2\/posts\/27770","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/commercialexperts.com\/uk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/commercialexperts.com\/uk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/commercialexperts.com\/uk\/wp-json\/wp\/v2\/users\/13"}],"replies":[{"embeddable":true,"href":"https:\/\/commercialexperts.com\/uk\/wp-json\/wp\/v2\/comments?post=27770"}],"version-history":[{"count":4,"href":"https:\/\/commercialexperts.com\/uk\/wp-json\/wp\/v2\/posts\/27770\/revisions"}],"predecessor-version":[{"id":27791,"href":"https:\/\/commercialexperts.com\/uk\/wp-json\/wp\/v2\/posts\/27770\/revisions\/27791"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/commercialexperts.com\/uk\/wp-json\/wp\/v2\/media\/27771"}],"wp:attachment":[{"href":"https:\/\/commercialexperts.com\/uk\/wp-json\/wp\/v2\/media?parent=27770"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/commercialexperts.com\/uk\/wp-json\/wp\/v2\/categories?post=27770"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/commercialexperts.com\/uk\/wp-json\/wp\/v2\/tags?post=27770"},{"taxonomy":"content_type","embeddable":true,"href":"https:\/\/commercialexperts.com\/uk\/wp-json\/wp\/v2\/content_type?post=27770"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/commercialexperts.com\/uk\/wp-json\/wp\/v2\/ppma_author?post=27770"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}