Payment service providers compared
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| Credit card payments? | Yes | Yes | Yes | Yes | Yes |
| Debit card payments? | Yes | Yes | Yes | Yes | Yes |
| American Express? (AMEX) | Yes | Yes | Yes | Yes | Yes |
| PayPal payments? | Yes (optional) | Yes (optional) | Yes | Yes (optional) | 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 | No |
| Quick to set up? | Yes | Yes | Yes | No. Can be very time consuming to get the required internet merchant account | Yes |
| Merchant account required? | No | No | No | Yes | No |
| 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 Opayo by Elavon for details |
0.99% with SumUp One or 2.5% pay as you go |
| 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 | £19 (or pay as you go at 2.5% per transaction) |
| Sign up | Click here | As of early 2021, no longer accepting new customers | Click here | 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.