Opayo
UK payment gateway, now part of Elavon
Best for: Established UK merchants who want a familiar gateway with acquiring from a major bank-backed provider.
- Pricing
- From around £25/month plus transaction fees
- Free trial
- No trial; accounts require merchant underwriting.
- Platforms
- Web, API, Virtual terminal
- Mobile apps
- Mobile-responsive hosted payment pages; card readers for in-person.
- AI features
- Rules-based fraud screening rather than AI-led decisioning.
- Integrations
- 5+ integrations
- Support
- UK-based phone and email support during business hours, 24/7 for critical issues.
- Best for
- Established UK merchants who want a familiar gateway with acquiring from a major bank-backed provider.
- Founded
- 2001
- Company size
- 1,000-5,000 employees
- Headquarters
- London, UK
- Brand
- Opayo
What is Opayo?
Opayo, formerly SagePay and now owned by Elavon, is a long-standing UK payment gateway handling online, phone and in-person card payments with fraud screening and a virtual terminal for MOTO transactions.
The Slick Media verdict
Dependable and familiar rather than exciting. Compare total cost against modern gateways before renewing.
AI summary
Opayo, formerly SagePay and now owned by Elavon, is a long-standing UK payment gateway handling online, phone and in-person card payments with fraud screening and a virtual terminal for MOTO transactions. Dependable and familiar rather than exciting. Compare total cost against modern gateways before renewing.
Why choose Opayo
Choose Opayo if you want UK-based support and bank-backed acquiring in a single, well-known gateway.
Key features
Pricing
Monthly gateway fee with a bundled transaction allowance, plus per-transaction charges above it. Acquiring priced separately.
Who Opayo is for
Established UK merchants who want a familiar gateway with acquiring from a major bank-backed provider.
- Ecommerce card payments
- Phone and mail order
- Recurring billing
- Retail card acceptance
Pros and cons
Pros
- Long track record with UK merchants
- Virtual terminal for phone orders
- Strong 3D Secure and fraud screening
- Backed by Elavon acquiring
Cons
- Fixed monthly fee even in quiet months
- Integration feels dated next to modern APIs
- Contract terms are less flexible than newer providers
- Reporting is basic
Opayo integrations
- WooCommerce
- Adobe Commerce
- Shopify
- Sage accounting
- OpenCart
Opayo alternatives
Ratings and reviews
Ratings are set by the Slick Media editorial team. Member reviews are coming soon; save Opayo to be notified when they open.
About Opayo
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