Independent UK card payment reviews
Provider review library
Don’t judge a provider by the headline rate.
Understand how the main UK payment providers structure pricing, contracts, hardware and settlement—then compare the arrangement you actually have.
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Statement-first
Your real bill matters more than a sample rate.
No blanket winner
Suitability depends on volume, card mix and channels.
Clear disclosure
Provider names do not imply endorsement or partnership.
Choose a provider
Start with the arrangement you already have.
Each guide explains what to look for on that provider’s statement and agreement. Where current commercial facts have been checked, the official source links and review date are shown.
Barclaycard Payments
A large UK acquirer used by businesses of all sizes, often bundled with Barclays business banking.
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Worldpay
One of the largest global acquirers, with a wide variety of products, pricing structures and contract terms in the UK.
Read the review
Dojo
A UK-focused card payments provider known for next-day settlement and modern terminals, often used by hospitality and retail.
Read the review
Teya
Formerly SaltPay - a European payments provider widely used by UK small businesses, particularly hospitality and independent retail.
Read the review
Lloyds Cardnet
A long-established UK acquirer often used by Lloyds Bank business customers, now operating in partnership with Fiserv.
Read the review
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Elavon
A global acquirer (part of U.S. Bank) serving UK merchants directly and through banks and software partners.
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Global Payments
A large international acquirer serving UK merchants directly and through partner banks and software platforms.
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SumUp
A pay-as-you-go card payments provider widely used by sole traders, market stalls and small businesses across the UK.
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Zettle by PayPal
PayPal-owned pay-as-you-go card reader and POS system, popular with small UK retailers and hospitality businesses.
Read the review
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Square
A US-headquartered provider offering pay-as-you-go card acceptance, integrated POS and online tools, popular with UK SMEs.
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Clover
A POS and payments platform owned by Fiserv, distributed in the UK through partner acquirers and resellers.
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Paymentsense
A UK card payments provider, part of the same group as Dojo, often used by small to mid-sized hospitality and retail businesses.
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takepayments
A UK card payments provider, part of Global Payments, often introduced via local agents to small businesses.
Read the review
Retail Merchant Services
A UK card payments brand operating in partnership with First Data / Fiserv, distributed largely through field agents.
Read the review
Trust Payments
A UK and international payments provider offering acquiring, gateway and unified commerce services across in-store and online channels.
Read the review
EVO Payments
A global acquirer serving UK and European merchants, now part of Global Payments following the 2023 acquisition.
Read the review
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Fiserv (First Data)
A major global processor and acquirer, historically known in the UK as First Data, sitting behind many partner-branded card payment products.
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Shopify Payments
Shopify's built-in online card processing service, powered by Stripe under the hood, integrated directly into Shopify stores.
Read the review
PayPal Checkout
A widely-used online payment method offering PayPal balance, card and Pay in 3 acceptance for UK ecommerce businesses.
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Stripe
A developer-focused online payments platform used by UK ecommerce businesses, SaaS companies and marketplaces.
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Opayo
A UK-focused payment gateway (formerly Sage Pay), now part of Elavon, used by ecommerce and MOTO merchants.
Read the review
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Adyen
A global unified payments platform used by mid-market and enterprise UK merchants across online, in-store and unified commerce.
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Revolut Business Payments
Revolut's card acceptance product for UK businesses, offered alongside its business banking and multi-currency accounts.
Read the review
Epos Now Payments
Card payment processing bundled with Epos Now's till and POS software, typically sold alongside the EPOS subscription.
Read the review
Understand the numbers behind every provider
Before you switch, read our independent guides on statements, pricing, contracts and compliance.
Merchant statements & fees
Everything on your monthly statement, line by line, and how to spot overcharging.
Explore clusterPricing models & rates
How UK card processing is priced through interchange-plus, blended and IC++, and how to compare the complete cost.
Explore clusterContracts, exit fees & switching
Contract length, automatic renewal, termination clauses and how to plan a controlled provider switch.
Explore clusterPCI, SCA & risk
PCI DSS compliance, Strong Customer Authentication, chargebacks and reserves.
Explore clusterCard machines & hardware
Terminals, PDQs, portable and mobile card machines. Buying guides by business type.
Explore clusterOnline & cross-border payments
Gateways, merchant accounts, surcharging law and dynamic currency conversion.
Explore clusterSee whether your current deal still stacks up
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