UK card-payment provider index 2026: the 42 providers we compare
The 42 providers in our Card Acquirer Index, covering mainstream acquirers, bank acquirers, online payment gateways and high-risk specialists. Rate, settlement, contract and channels per provider. MerchantHQ compares these providers, and one enquiry can bring you 2 to 3 tailored quotes.
Mainstream acquirers (16)
Modern fintech and SMB acquirers operating in the UK.
| Provider | Channels | Headline rate | Settlement | Contract |
|---|---|---|---|---|
| Dojo and Paymentsense are one company, Paymentsense Limited (FRN 900925, Companies House 06730690), which trades under both names; older contracts may still be on Paymentsense paper. UK hospitality and retail strong. Same-day settle competitive. Paymentsense Limited · FCA FRN 900925 · Companies House 06730690 | in-person | 1.2% blended below £100k a year in card turnover, custom above Checked 25 September 2026 on the provider's own page | Next working day at 10am; weekend transfers a paid upgrade | 12 months |
| No monthly fee. Free 4G SIM on SumUp Solo. Most permissive new-merchant onboarding. SumUp Payments Limited · FCA FRN 900700 · Companies House 07836562 | in-person | 1.69% pay-as-you-go, 0.99% on Payments Plus (£19 a month) Checked 23 September 2026 on the provider's own page | Next day by 7am into a SumUp Business Account, 365 days a year | No contract |
| Built-in POS, receipt printer, Square Online for ecommerce. Squareup Europe Ltd. · FCA FRN 900846 · Companies House 08957689 | omnichannel | 1.75% in-person, 1.4% + 25p online (UK cards) Checked 23 September 2026 on the provider's own page | Next day incl. weekends; instant transfer for 1.95% | No contract |
| Cheapest hardware entry point: the card reader (now sold as the PayPal Reader) is £29 + VAT for your first reader as a new business user, then £69 + VAT for each extra reader. PayPal UK Ltd · FCA FRN 994790 · Companies House 14741686 | in-person | 1.75% on all cards, including Amex Checked 23 September 2026 on the provider's own page | Into a PayPal Business account, typically within minutes | No contract |
| Best UK developer ecosystem. Stripe Billing for SaaS recurring. Stripe Payments UK, Ltd · FCA FRN 900461 · Companies House 08480771 | omnichannel | 1.5% + 20p online (standard UK cards), 1.4% + 10p in-person (EEA cards) Checked 23 September 2026 on the provider's own page | 2-day to 7-day rolling for new accounts | No contract |
| Conditional on Tide Business banking. The card reader is £49 + VAT on pay-as-you-go, less on Tide's paid plans. From 1 December 2026 Tide's pay as you go reader rate is 1.6% + 5p and the Card Reader is £159, Card Reader Plus £199 and Nano £25 (Tide terms, Appendix 19). Tide Platform Limited · FCA FRN 900843 · Companies House 09595646 | in-person | 1.5% + 5p per card-reader payment (pay-as-you-go) Checked 20 October 2026 on the provider's own page | Next business day, at no extra cost (Tide card reader page, read 20 Oct 2026) | No contract |
| Multi-currency settlement. Lowest UK headline rate; needs a Revolut Business plan (Basic £10 a month, Grow from £30, Scale from £90). Revolut Reader £49 (VAT not stated), Revolut Terminal £169 + VAT, Lite Terminal £129 + VAT. Tap to Pay on iPhone adds 8p a transaction. Revolut Ltd · FCA FRN 900562 · Companies House 08804411 | omnichannel | 0.8% + 2p (UK consumer cards, every plan from £10 a month) Checked 16 October 2026 on the provider's own page | Next day (Revolut: 24-hour settlement) | Plan subscription required |
| Formerly SaltPay. £0 membership plan with a free Teya Business Account; card machines bought from £89 + VAT; £29.99 monthly fee applies below £2,500 card turnover. Teya Solutions Ltd · FCA FRN 978181 · Companies House 13886878 | omnichannel | 1.59% consumer cards up to £7,500 a month; custom above Checked 24 September 2026 on the provider's own page | Next-day incl. weekends; instant to Teya Business Account | Rolling monthly, no lock-in |
| Direct UK acquirer. Enterprise + high-volume. Best SCA exemption flagging. Adyen N.V. · FCA FRN 779800 · Companies House FC041176 | omnichannel | Bespoke interchange-plus Checked 24 September 2026 on the provider's own page | Bespoke schedule | Custom |
| UK ISO. Hardware-led SMB sales channel. takepayments Limited · FCA FRN 663112 · Companies House 03102137 | in-person | Bespoke per merchant Checked 24 September 2026 on the provider's own page | Next business day | 12 to 36 months |
| Handepay Quote-led UK ISO selling card machines (PDQ machines, on Castles hardware: Saturn Android smart terminal and countertop) plus online payments, virtual terminal, pay by link and phone payments. Owned by PayPoint plc since February 2021; card acquiring sits with partner acquirers (EVO Payments relationship since 2015). Advertises no minimum monthly service charge, no PCI compliance or non-compliance fees, and switching-cost contributions. Handepay Ltd. · FCA FRN 673564 · Companies House 05504126 | omnichannel | Bespoke per merchant, quote-led (Price Challenge against your current bill) | Next banking day, set by the acquiring partner | Flexible lengths, on quote |
| UK acquirer with strong high-risk-vertical underwriting appetite. TrustUk Payments Ltd (trading as Trust Payments) · FCA FRN 932557 · Companies House 12283499 | omnichannel | Bespoke per merchant Checked 24 September 2026 on the provider's own page | Next business day | 12 to 36 months |
| Castles Technology UK card-machine manufacturer; hardware partnered with multiple acquirers. Castles Technology UK & Ireland Ltd · Companies House 12815513 | in-person | Bespoke per partner | Per acquirer | Per acquirer |
| MyPOS EU-headquartered (Bulgaria); its UK entity, myPOS Payments Limited, is an FCA-authorised e-money institution. Instant payout. myPOS Payments Limited · FCA FRN 900826 · Companies House 10630670 | omnichannel | From 1.10% + 7p (UK consumer cards, in person); higher for other card types and online Checked 24 September 2026 on the provider's own page | Instant to MyPOS account | No contract |
| Truevo Not for UK businesses Truevo Payments Ltd is licensed in Malta by the MFSA (company C62721). We found no FCA register entry on 16 Oct 2026. | omnichannel | Bespoke Checked 24 September 2026 on the provider's own page | Next business day | 12 months |
| GoDaddy Payments GoDaddy website + payment bundle. Best for GoDaddy ecommerce builders. | omnichannel | 1.5% + 25p online, 1.75% in-person | Next business day | No contract |
Bank acquirers (8)
UK bank-operated merchant services.
| Provider | Channels | Headline rate | Settlement | Contract |
|---|---|---|---|---|
| One of the longest-established UK card acquirers, so a lot of merchants are on older contracts and terminals. If you are one of them, check your current terms before the renewal date. Worldpay Limited · FCA FRN 504504 · Companies House 03424752 | omnichannel | Bespoke, blended or IC+ above £100k Checked 24 September 2026 on the provider's own page | Next business day | 12 to 36 months |
| Conditional on existing NatWest Business banking. National Westminster Bank Public Limited Company · FCA FRN 121878 · Companies House 00929027 | in-person | 1.39% + 5p personal cards, 1.99% + 5p other cards (excl. Amex); bespoke for higher volume Checked 24 September 2026 on the provider's own page | Next business day | 12 to 18 months |
| UK incumbent bank acquirer. Strong corporate / B2B coverage. Barclays Bank PLC · FCA FRN 122702 · Companies House 01026167 | omnichannel | Bespoke per merchant Checked 24 September 2026 on the provider's own page | Next business day | 12 to 36 months |
| Elavon Owns Opayo (formerly Sage Pay) gateway. US Bancorp subsidiary. U.S. Bank Europe DAC (formerly Elavon Financial Services DAC), UK branch · FCA FRN 462132 · Companies House FC027535 | omnichannel | From 0.99% on the Always Open plan, plus a £25 monthly gateway fee Checked 24 September 2026 on the provider's own page | Next business day | 36 months |
| Lloyds Cardnet Lloyds Banking Group merchant services. UK bank-grade. Lloyds Bank plc · FCA FRN 119278 · Companies House 00002065 | omnichannel | Bespoke per merchant | Next business day | 12 to 36 months |
| HSBC Merchant Services HSBC says its payment services agreement is with Global Payments or a Global Payments group company; GPUK LLP (formerly HSBC Merchant Services LLP) is the FCA-authorised firm. GPUK LLP (Global Payments) · FCA FRN 504290 · Companies House OC337146 | omnichannel | Bespoke per merchant Checked 24 September 2026 on the provider's own page | Next business day | Custom |
| Santander (via Worldpay) Santander business customers are referred to Worldpay, which provides the merchant account (Santander card payments page, 16 Oct 2026). | omnichannel | Bespoke per merchant Checked 24 September 2026 on the provider's own page | Next business day | 12 to 24 months |
| Global Payments UK Powers HSBC Merchant Services and many UK bank-acquirer partnerships. GPUK LLP (Global Payments) · FCA FRN 504290 · Companies House OC337146 | omnichannel | Bespoke per merchant | Next business day | 12 to 36 months |
Online payment gateways (7)
Card-not-present specialists for ecommerce, subscription billing and donations.
| Provider | Channels | Headline rate | Settlement | Contract |
|---|---|---|---|---|
| UK payment gateway rather than a card acquirer: it is mostly sold through partners, and the card acquiring behind it is done by whichever acquirer the partner uses. The related firm OBN Global Limited holds FCA FRN 830802; Cardstream Limited itself has no FRN. Cardstream Limited · Companies House 03864244 | online | Bespoke per partner Checked 24 September 2026 on the provider's own page | Set by the acquirer behind each partner | Agreed with each partner |
| Native Shopify gateway, powered by Stripe. In-person card payments through Shopify POS are 1.7% on the same plans. | online | 2% + 25p Basic, 1.7% + 25p Grow, 1.5% + 25p Advanced (online, standard cards) Checked 23 September 2026 on the provider's own page | T+3 typical | Shopify monthly plan |
| Offers PayPal Pay in 3 at checkout. Widely recognised by UK shoppers, which can help conversion on smaller or newer shops. PayPal UK Ltd · FCA FRN 994790 · Companies House 14741686 | online | 2.9% + 30p (UK commercial transactions) Checked 23 September 2026 on the provider's own page | PayPal account, 1-3 day to bank | No contract |
| Klarna BNPL Pay-in-3, Pay-in-30. FCA FRN 1021834 is its e-money (payments) authorisation; its consumer credit is under FRN 987889. Klarna Financial Services UK Limited · FCA FRN 1021834 · Companies House 14290857 | online | Bespoke per merchant Checked 24 September 2026 on the provider's own page | 1 to 14 days | No contract |
| UK-specific gateway, Elavon-owned. | online | Bespoke, typically 1.5% to 2.5% | Via Elavon merchant agreement | 36 months |
| Netherlands-headquartered (Amsterdam), strong local-payment-method coverage (iDEAL, Bancontact, SOFORT). UK domestic consumer cards are cheapest; European and other cards cost more (up to 3.25% + 20p). Mollie UK Ltd. · FCA FRN 977968 · Companies House 14013554 | online | From 1.20% + 20p (UK domestic consumer cards) Checked 20 October 2026 on the provider's own page | Next business day | No contract |
| Tipalti B2B mass-payment platform, not a card acquirer. Marketplace seller payouts and supplier payments. Tipalti Europe Ltd · FCA FRN 942778 · Companies House 12471817 | online | Bespoke per merchant Checked 24 September 2026 on the provider's own page | Multi-currency, schedule per merchant | Custom |
Alternative payment methods (2)
Buy-now-pay-later and bank-debit / open-banking rails. Not card acquirers; listed for completeness.
| Provider | Channels | Headline rate | Settlement | Contract |
|---|---|---|---|---|
| Clearpay (Afterpay) UK buy-now-pay-later (Pay-in-4), not a card acquirer or gateway. Strong young-consumer adoption. Clearpay Finance Limited · FCA FRN 826341 · Companies House 05198026 | online | Merchant fee plus per-transaction fee (varies by plan) Checked 24 September 2026 on the provider's own page | 1 to 2 days | No contract |
| Bacs Direct Debit and open banking, not a card acquirer. Often cheaper than card fees for recurring payments, since the fee is capped rather than percentage-only. GoCardless Ltd · FCA FRN 597190 · Companies House 07495895 | online | 1% + 20p, capped at £4 (Standard plan, UK Direct Debit) Checked 23 September 2026 on the provider's own page | T+3 Bacs | No contract |
High-risk specialists (9)
Acquirers who underwrite the verticals mainstream UK acquirers decline.
| Provider | Channels | Headline rate | Settlement | Contract |
|---|---|---|---|---|
| HighRisk-Pay Not for UK businesses CBD, vape, online gambling, adult. | online | From 1.79% Checked 24 September 2026 on the provider's own page | Set per merchant, usually with a rolling reserve | Custom |
| SecurionPay Not for UK businesses EU-headquartered high-risk specialist; check its FCA authorisation. | online | Bespoke, typically 2.5% to 5% | Set per merchant, usually with a rolling reserve | Custom |
| eMerchantBroker Not for UK businesses US-headquartered high-risk broker. Adult, firearms, CBD. | online | Bespoke, typically 2.5% to 6% Checked 24 September 2026 on the provider's own page | Set per merchant, usually with a rolling reserve | Custom |
| Easy Pay Direct Not for UK businesses High-risk broker. Online dating, subscription, adult, supplements. | online | Bespoke, typically 2.5% to 5% | Set per merchant, usually with a rolling reserve | Custom |
| Soar Payments Not for UK businesses High-risk specialist underwriter. | online | Bespoke Checked 24 September 2026 on the provider's own page | Set per merchant, usually with a rolling reserve | Custom |
| Durango Merchant Services Not for UK businesses CBD, vape, firearms, online gambling. | online | Bespoke Checked 24 September 2026 on the provider's own page | Set per merchant, usually with a rolling reserve | Custom |
| Corepay Not for UK businesses High-risk online and recurring billing. | online | Bespoke, typically 3% to 6% Checked 24 September 2026 on the provider's own page | Set per merchant, usually with a rolling reserve | Custom |
| Instabill Not for UK businesses High-risk specialist, online-led. | online | Bespoke Checked 24 September 2026 on the provider's own page | Set per merchant, usually with a rolling reserve | Custom |
| T1 Payments Not for UK businesses High-risk specialist, adult and subscription. | online | Bespoke | Set per merchant, usually with a rolling reserve | Custom |
Why list every acquirer publicly?
MerchantHQ publishes the full list so you can see which providers we compare, and check each one's published rate, settlement and contract terms for yourself. Being listed here is never paid for.
MerchantHQ covers UK businesses only. Rows marked "Not for UK businesses" are US or offshore firms with no UK registration we could find; they are listed for reference and are never part of a pick, comparison or quote.
Specialist high-risk acquirers (HighRisk-Pay, SecurionPay, Easy Pay Direct, T1 Payments and others) work under separate underwriting. High-risk quote enquiries use the same quote form as every other enquiry, with the risk classification stated upfront.
The same list is published as a structured, sortable UK Card Acquirer Index and as a read-only JSON API and MCP server for agents, under a Creative Commons Attribution licence.
Last reviewed: . Rates and pricing are taken from each provider's published information. Where a row shows a checked date, that is the date we last checked the provider's own pricing page; rows without one show terms as recorded in 2026 and have not been re-checked since.
Payments review: Derren Powell, payments and fintech specialist, formerly Vice President, Business Development (Merchants) at Mastercard. Independent reviewer; the MerchantHQ editorial team retains control of the final content.