Bank acquirer

Elavon

Last verified 2026-04-26

Elavon is a UK bank acquirer operating across omnichannel (in-person + online). Headline rate Bespoke per merchant, next business day, 36 months typical. Owns Opayo (formerly Sage Pay) gateway. US Bancorp subsidiary.

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Commercial profile

Headline rate: Bespoke per merchant
Settlement: Next business day
Contract: 36 months typical
Channels: Omnichannel (in-person + online)
Tier: Bank acquirer

Editorial notes

Owns Opayo (formerly Sage Pay) gateway. US Bancorp subsidiary.

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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
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Oliver Mackman

Director, MerchantHQ

Oliver leads MerchantHQ's terminal testing and acquirer comparison. With a background in UK commercial finance and merchant payments, he oversees terminal reviews, switching guidance and high-risk vertical mapping.

Last reviewed: 26 April 2026