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As standard Opayo customers can process the following cards (this may depend on your merchant account)

How Opayo can delight you and your customers

Opayo (Formerly Sage Pay) has what you need to grow your business, plus great service and transparent pricing

Safe & Secure

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

5 Star Customer Support

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


Payment solutions that scale as your business grows.

See our solutions


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


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

See our partners

Trusted by thousands of businesses

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Start taking payments online



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

Get started here

Merchant Account

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


Set up your website

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

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

Start taking payments!

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

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

PCI Compliance

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

Find out more here

Online Payment Integration

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

Pi makes integrating payments with your website simpler than ever. Maximise your control over the look and feel of the payment page and reduce your exposure to sensitive card data. Use Pi to accept payments in minutes with a simple drop-in checkout, customise your payment page with your own form integration or access via the Cloud. Find out more.
A simple encrypted form submission post from your website to the Opayo systems, the shopper is then transferred to our hosted payment pages for the card details to be securely captured. This is the most basic method of integration available on our platform with your site only requiring a single post for the transaction to be processed. Find out more.
The Opayo Server method of integration allows you more control over the transactional process than the Form solution. The Server integration still enables you to have the transactional process hosted on our platform. There is continuous channel of communication open between your site and our platform. The Server method also enables our vendors the option to implement an “InFrame” into their site which embeds the Opayo payment pages on the vendors website. Find out more.
This solution gives you complete control over the transactional process including the hosting of the card details capture pages. You are required to undertake complete developmental work of the entire payment process including the security and safety of the details that are captured. Find out more.

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

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


Flex - from £25 p/m

- 350 transactions per month - Free fraud screening tools - No set up fees - 24/7 support - Virtual terminal included (MOTO) - No fees for refunds

Enquire now

Plus - £45 p/m

- 500 tokens per month - Free fraud screening tools - Access to Fast Pass customer support - From 9p per transaction above 350 transactions - Accept a range of local European Payment types

Enquire now

Corporate - Bespoke Pricing

- 3000+ transactions per month - Fixed rate per transaction - Estimate your usage and pay up front for discounted pricing - Bespoke fraud screening tools - Priority support services - Dedicated account manager

Enquire now

Why Choose Opayo?


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


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


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


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

A Trusted Brand

Opayo - formerly Sage Pay. A trusted brand for Payments


Online Payment frequently asked questions

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

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