Already with Opayo?
Overview of Opayo
Opayo, formerly Sage Pay, is a UK-focused payment gateway now part of Elavon. It's commonly used by ecommerce and MOTO (mail order / telephone order) businesses that need a gateway alongside an acquirer.
Because Opayo can bundle gateway and acquiring or operate as a gateway only, a review typically checks whether the current setup is competitive and whether combining acquirer and gateway would be simpler and cheaper.
Common fees businesses should check
Fixed monthly charge based on transaction tier.
Additional fee once you exceed the monthly transaction bundle.
If using Opayo Payments (Elavon acquiring), a standard transaction rate applies.
3D Secure and additional fraud modules may be billed separately.
Want us to check these fees on your Opayo statement?
Start free reviewContract terms and considerations
- Merchant and gateway contracts typically run 12 to 24 months.
- Rolling terms are available on some plans.
Exit fees and early termination
- Early termination charges may apply within a fixed-term contract.
- Some alternative providers may help with exit costs where switching makes clear financial sense, subject to approval.
We never guarantee to pay your exit fees or that you can be released from a contract. Any support with exit costs is dependent on selected alternative providers, is subject to approval and is only considered when switching makes clear financial sense.
Common reasons businesses request a review
- Gateway and acquirer are on separate agreements with unclear total cost.
- Transaction bundle regularly overflows into per-transaction fees.
- Volume has grown since the gateway plan was chosen.
Frequently asked questions
Will reviewing my Opayo statement contact Opayo?
No. We never contact your current provider without your written permission. The review is private and entirely for your information.
Do I have to leave Opayo after the review?
Not at all. Many reviews end with the business staying on a renegotiated rate, or with confirmation that the existing setup is reasonable. You are under no obligation to switch.
How long does a Opayo statement review take?
Most reviews are returned within a few working days once we have a recent monthly statement.
What does the review actually check?
Transaction rates, terminal rental, PCI fees, authorisation fees, monthly minimums, settlement timings, contract length, exit fees and any hidden extras specific to your account.
Get an independent view on your Opayo setup
We check your rates, contract terms, exit fees and whether more suitable provider options may exist. No obligation. No provider contacted without your permission.
Or submit the form and we'll email you for it.
Related providers
Elavon
A global acquirer (part of U.S. Bank) serving UK merchants directly and through banks and software partners.
Stripe
A developer-focused online payments platform used by UK ecommerce businesses, SaaS companies and marketplaces.
Worldpay
One of the largest global acquirers, with a wide variety of products, pricing structures and contract terms in the UK.
Related reading
Merchant Account vs Payment Gateway
The difference between a merchant account and a payment gateway, and why online businesses need both (or a bundled equivalent).
Online Payment Processing: A UK Guide
How online card processing works in the UK, the main provider types, and how to keep costs low as you scale.
How Card Payment Pricing Works in the UK
Blended, Interchange Plus, IC++ and pay-as-you-go pricing explained, with the trade-offs each model brings.