Payment service providers compared


Credit card payments?	Yes	Yes	Yes	Yes
Debit card payments?	Yes	Yes	Yes	Yes
American Express? (AMEX)	Yes	Yes	Yes	Yes
PayPal payments?	Yes (optional)	Yes (optional)	Yes	Yes (optional)
Do you have to register when paying?	No	No	Sometimes PayPal make you do this, or make it hard not to. So this can result in some people abandoning the checkout or getting too confused to work out how to pay	No
Quick to set up?	Yes	Yes	Yes	No. Can be very time consuming to get the required internet merchant account
Merchant account required?	No	No	No	Yes
Percentage fee	1.4% + 20p for European cards 2.9% + 20p for non-European cards	2.75% (credit cards) 0.75% (debit cards)	From 3.4% to as low as 1.9% + 20p per transaction	Your merchant account provider would take the percentage fee. Contact SagePay for details
Monthly cost	Free	£19.95 (or pay as you go at 2.75% plus £0.20 per transaction)	Basic account is free	From £20.90/month + merchant account
Sign up	Click here	As of early 2021, no longer accepting new customers	Click here	Click here

Frequently asked questions (FAQ)

How much do you charge for each payment?

Good news. Unlike some of the others, we do not take anything from your transactions! Only the payment provider you choose will take a transaction fee, as detailed in the chart above.

Is it possible not to pay any percentage fee per transaction?

We are not aware of any provider where that is possible. From our understanding, the card providers like MasterCard and VISA charge a fee, as does the banks, so it's impossible to have transactions without a percentage fee

Please note this information is correct at the time of writing, and may be subject to change by the above payment providers. We do not set or have control of the rates of the rules of each payment provider. The above information is provided "as is" with no warranty. It is up to you which payment service provider you choose.