Top 10 UK Payment Gateways – Accept Payments Online
With many major banking institutions based in London, the capital city of the United Kingdom, one thing you are never going to find a shortage of are payment gateway services based in the UK or offering their services to companies in Great Britain.
If you are a new or established company that is actively looking around for a payment gateway company that will be able to safely and securely process your online or mobile payments then the following guide is going to enlighten you on the top 10 UK payment gateways.
You will of course have one eye on cost and the other on reliability, and as such throughout the following guide I will let you know which the most popular payment gateways are in regards to the services they offer and a range of different factors too.
Signing up to such a service is surprisingly easy these days, and it is not going to be very difficult at all integrating a payment gateway into your existing website or web store.
Do always keep in mind that as you have the maximum choice in regards to which ones you choose, and as such never be in too much of a rush to sign up to the first company you come across offering you a payment gateway service in the United Kingdom, but do ensure the one you have selected is offering you everything you need.
Payment Gateway Providers in the UK
- Payment Gateway Providers in the UK
- Frequently Asked Questions
- 1. How easy is the integration of a payment gateway?
- 2. Will the fees and charges be excessive?
- 3. Can I process payments in currencies other than GBP?
- 4. What payment methods will I be able to accept?
- 5. How reliable are payment gateways?
- 6. Is it easy to change payment gateways?
- 7. Can any business utilize a payment gateway?
Please do think long and hard as to just which payment gateway you do decide to have in operation on your site, for your customers in the UK and beyond will often want to pay by a range of different methods for whatever goods or services that you are offering them.
With that at the forefront of your mind I will now give you a deep insight into the top 10 UK payment gateways, and I will also be enlightening you below on what makes using each of them unique and what they are offering you as one of their clients too.
If you need to have the very highest of security protocols in place on your website or mobile e-commerce channels, and let’s face it these days that is something every business should ensure they do have, then you need to choose a payment gateway provider that offers their clients only the highest of security features.
It is with that in mind that anyone running any type of business online or that can be accessed via a mobile device that is based in the United Kingdom should seriously consider making use of the service offered to them by PayVector.
That company has been in business for many years now and have designed and developed one of the most secure payment interfaces available on both online and mobile channels, and as such they should be one that you add to your list of companies to check out.
Another major advantage of using PayVector is that they can process payments in many different currencies and you can also configure the payment gateway to offer multiple different language options, and the fees and charges they impose are nowhere near as high as some other company’s involved in that market sector either.
Braintree offers a micro payment service to anyone living in the UK, and as such if your business is one in which customers are going to need to make in app purchases or any type or kind of mobile payments then their payment gateway is going to be one you should consider.
UK Micro payments are processed in GBP and are also instant, and as such you will always have a full audit trail available to you letting you know which customers have paid. But keep in mind most UK micro payment gateways can and do charge some fairly excessive fees and charges.
However, if you are looking to maximize your income streams and wish to add a micro type of payment gateway onto your mobile channels then Braintree can and will allow you to do so relatively easily.
Micro payments, are by their very nature, intended for small ticket items or low prices services, and as such it should be one of at least a couple of different payment gateways that you offer all of your UK based customers and clients.
UK banks are possibly another avenue you should consider checking, if you are a business based anywhere in the UK and you want to use a payment gateway but one that is ideally linked up to you local bank branch.
HSBC is one such bank that I am aware of do offer a range of tailored payment gateway services to their business customers, and as you would expect there are some very high security protocols in place on the payment gateway interfaces that HSBC does supply.
One of the benefits for UK based business owners of having a payment gateway that is linked directly up to their bank accounts is that there are often no long and drawn out delays in you being able to access all of the funds processed, but the fees and charges will vary.
You will therefore be best advised to not only checkout the payment gateway services offer by HSBC but also compare the services in addition to the fees and charges associated with you signing up to any of the additional providers I have listed throughout this guide, for I am more than confident several of them will fit your business and financial processing needs perfectly.
You can often find yourself be swayed in regards to the gateway payment service provider you do sign up to based on the fees and charges they are going to impose on you every single time that they process a payment on your behalf.
In fact, if you do manage to shop around and find not only a low fee charging provider but one that offers multiple different payment methods to your customers and offers a detailed audit trail and rapid payment service to you, then you can save a small fortune over the lifetime of your business.
Mondido Payments is one company that has been making huge strides into the UK payment processing environment, and one of the stand out features they offer their business customers are some of the very lowest processing fees around.
As such if you are cost conscious but do not want to make any compromises in regards to any single aspect of your online or mobile payment process then I would actively encourage you to check their website for more details.
Keep in mind though it is not always going to be the company charging you the lowest fees for processing your customers payments, it will also be the speed at which they pay you and also the value of any reserves you are required to keep in your account with them that should also be factored into the equation too.
UK based companies and businesses are not going to want to have to be forced to pay very excessive fees and charges when they wish to start taking payments online, however that is sadly what some of them do end up doing.
It is with that in mind that when you are in a position to start accepting both online and/or mobile payments that you should actively be looking around for a UK based payment gateway that is both 100% reliable but also one that isn’t going to impose huge and excessive processing fees on you, or your customers.
The service offered by Alipay Global is one that quite a growing number of UK based businesses have signed up to and have in operation on their e-commerce channels, for it offers a robust and solid interface that gives those business owners the maximum flexibility in the payment methods they can accept and no excessive fees or charges either.
Please do take a look over the Alipay Global website, for any one that is looking for a merchant to use and who is based in the UK is going to find their payment gateway an absolute breeze to install and configure and is very user friendly from a customer’s point of view too.
SagePay is a leading payment processor that is trusted by a huge and growing number of online and mobile facing companies. If you are a UK based business owner that is now looking to accept either mobile or online payments then Sage Pay is a company worth checking out.
They have a very reliable payment gateway interface that is going to be flexible enough for you to install it seamlessly on any mobile app or website you own, and once installed and your merchant account is set up and opened you can then start taking payments straight away.
UK based companies are however going to have to keep a very close eyes on processing fees and charges imposes on them by any payment gateway provider, as the fees and charges they will be forced to pay when using some of them can be very high.
However, Sage Pay do have some very reasonable fees and charges so you are not going to have to pay the earth simply to allow your customers a way of paying for your goods or services online or on any type of mobile channel.
The payment gateway offered by Cardstream will allow customers the convenience of being able to utilize a one click type of checkout feature throughout your site, and as such there payment gateway is one of the easiest ones to use from a consumers point of view.
You will want to join the millions of UK based businesses that are always looking for ways to ensure that their customers can have a completely seamless type of shopping experience and pay for the goods they are about to purchase, or when paying for services online and that is something you will be offering your customers when using Cardstream.
The Cardstream payment gateway is also one that is very easy it install and configure so you are going to find a range of different settings that you can make use of depending on what it is your are selling to your customers or the type of service you are offering your customers too.
To get lots of additional information in regards to all of the unique services available by Cardstream then simply look over the Cardstream website, which is going to give you all of the information you require to make an informed decision as to whether they are the UK payment gateway service you should be using.
Choosing the payment gateway that you offer your customers is going to be one of the most important decisions that any business owner is going to have to make, and that is one of the main reasons I have compiled this list of payment gateways that are perfect for all UK based business owners.
Payment Express is one payment gateway that has always be a very robust one that can and will allow you to seamlessly integrate a payment gateway onto your existing website or mobile e-commerce channel.
The way in which Payment Express have designed their payment gateway is such that it offers your customers a very easy to use interface on which in just a couple of clicks they can order the goods or services they want and then be taken to the checkout area of that payment gateway.
All of the orders for your goods and service offered will be processed in real time and Payment Express do offer a very deep and very useful audit facility too, so you can always see just which orders have come in and how your customers have paid for their orders too. So it is certainly one to consider using for a hassle free online or mobile payment system.
UK based consumers will want and often demand a large range of different payment methods from any site they use, and if you want to keep ahead of the game and also your competition then you will be best advised to offer them a way to pay for your goods or service using a crypto currency.
Businesses based in the UK that do offer a range of different crypto currency payment options will often see an upturn in their customer bases, and as such you should ensure that whichever payment gateway or gateways you have one offer does include one that can process those payment methods.
BitPay is one payment gateway that will allow you to seamlessly process crypto currencies and with all payments being virtually instant you will have the peace of mind in knowing your customer have paid in full for your goods and services and can then process their orders straight away.
To allow you to understand the services that BitPay does offer you the BitPay website is where you should look for an overview of their services, and that is where you can also sign up to use the BitPay payment gateway too.
One final payment gateway service provider that you may be interesting is using the services of are QuickPay, which by no stretch of the imagination one of the largest companies in that business sector they do offer their customers something of a much more tailored service.
As you may not have heard of them or come across them before please do take a look over the QuickPay website for it will give you a very details overview of each of the many different services that they have on offer.
Frequently Asked Questions
In this final section of my guide to the top 10 UK payment gateways guide, I am going to be answering some of the most frequently asked questions related to utilizing such a service, and as such if you do have any questions you may find the answers below.
1. How easy is the integration of a payment gateway?
Some of them may also offer a tailored or third party service that will be able to integrate their respective gateways into any current e-commerce channels you operate, or any channels that are currently being designed by your company.
2. Will the fees and charges be excessive?
Keep in mind that some payment gateways in the UK do offer additional services and features that you may not find on other ones, and as such you should always be looking for one that is going to be offering you everything you need and require to run the payment aspects of your business effectively.
3. Can I process payments in currencies other than GBP?
It should also be noted that different gateways are going to have their own currency exchange rates in regards to processing payments in different currencies other than Pounds Sterling, and as such that is something you should investigate to ensure they are not charging any excessive Forex related fees.
4. What payment methods will I be able to accept?
You do however need to be aware that some services or even goods that you may offer or have on sale may not be compatible with certain payment methods, so do keep that in mind when you are actively looking for a payment gateway provider.
5. How reliable are payment gateways?
You should however do a little research yourself online to find out what other companies and businesses have to say about their current payment gateway, as there is no better way to make an informed decision on which one to use than by finding out what other business owners experience have been.
6. Is it easy to change payment gateways?
However, what you will find with the top 10 UK payment gateways listed up above is that all of them have a solid track record in processing huge volumes or payments, in many different business sectors, so you should never experience any type of problem when using any of them.