UK online payment gateways

Take card payments on your website, live in 2 days.

Stripe Checkout, Adyen Web, Shopify Payments, Square Online, GoCardless. We match you against the right UK online gateway for your platform, volume, B2B-vs-B2C mix and SCA / 3DS2 requirements.

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Free · 2 mins · No call-back spam · Acquirer pays our fee

80+ UK acquirer panel
24/7 dedicated account team included
Companies House 16833937

UK online gateways

0.8%-2.9%

Rate range

2 mins

To get quotes

24-72h

Quote turnaround

Why UK merchants pick Online payments through us

Whole-of-market UK gateways

Stripe, Adyen, Shopify Payments, Square Online, GoCardless, PayPal, Opayo, Mollie. Plus 12 high-risk online specialists.

SCA / 3DS2 handled

UK Strong Customer Authentication compliant out of the box. Frictionless flow on low-risk, challenge on high-risk. Liability shift to issuer.

Subscription, marketplace, B2B

Stripe Billing for SaaS, Stripe Connect for marketplaces, GoCardless Bacs for B2B invoicing, Klarna for BNPL.

From 0.8% to 2.9%

UK online gateway rates from Revolut 0.8% (Premium plan) through Stripe 1.5%+20p to PayPal 2.9%+30p. We get quotes line-by-line.

Best fit for

UK Shopify and WooCommerce ecommerce
UK SaaS subscription billing
UK marketplaces (Stripe Connect)
UK B2B invoicing (GoCardless Bacs)

Not the right fit if

In-person-only trade (card machine, not gateway)
Cash-only businesses

In the UK market

Stripe and Shopify Payments dominate UK SMB ecommerce in 2026. Adyen wins above £1m monthly.

UK merchants ask

Which UK online payment gateway is the cheapest?

Depends on volume and channel. Sub-£10k monthly: Shopify Payments (Shopify stores only) or Stripe (1.5%+20p). Above £100k: Adyen interchange-plus. B2B recurring above £30/month: GoCardless Bacs at 1%+20p capped £2.

Does my UK online business need its own SCA implementation?

No if you use hosted-checkout (Stripe Checkout, Shopify Payments, Square Online, Mollie). The gateway handles SCA. If you use direct-form (Stripe Elements, Adyen Components), you need to integrate the 3DS2 SDK.

Can AcceptCard help with high-risk online verticals?

Yes. We route online gambling, crypto, dating, subscription, adult, CBD and other high-risk verticals to our specialist acquirer panel. Disclosed upfront on every introduction.

Sign through us, get all of this

Take this product. We do the rest.

Named UK account team for the life of the agreement. Acquirer pays our commission on completed introductions, so it costs you nothing on top.

24/7 dedicated support
Direct line to a named UK account manager, not a generic acquirer helpline. When your terminal goes down on a Saturday night you call us.
Quarterly rate reviews
As your card volume grows your rate should drop. We renegotiate against the 80+ UK acquirer panel every quarter, so you never overpay because you forgot to ask.
Chargeback and dispute help
UK chargebacks cost £15 to £35 per case and 60-80% are friendly fraud you can win with the right evidence. We draft the response and escalate where the acquirer drags its feet.
Switching support when you outgrow
If a better acquirer fit emerges as you grow we manage the cutover. No exit-fee surprises, no dual-running gap. Same account team across acquirers.

How we work, end to end →

Get matched in 2 minutes.

Whole-of-market UK acquirer panel. Free to apply. Acquirer pays our commission. 24/7 dedicated UK account team for the life of the agreement.

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Reviewed by Oliver Mackman, Director · Best Business Loans Ltd (Companies House 16833937)