Independent UK card payment reviews
Is your Opayo deal still earning its place?
We review your Opayo statement, rates, account fees, terminals and contract terms to work out what the arrangement is really costing your business—and whether it still fits the way you trade.
Independent review. No obligation to switch. We never contact Opayo without your permission.
Provider pricing and terms vary by business and can change. Published details are linked to official sources where available; the figures that matter are the ones on your own statement, quote and signed agreement.
What we check on a Opayo arrangement
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.
- Gateway monthly feeFixed monthly charge based on transaction tier.
- Per-transaction feeAdditional fee once you exceed the monthly transaction bundle.
- Acquiring rateIf using Opayo Payments (Elavon acquiring), a standard transaction rate applies.
- Fraud tools3D Secure and additional fraud modules may be billed separately.
Contract, terminals, payment channels and settlement considerations
- Merchant and gateway contracts typically run 12 to 24 months.
- Rolling terms are available on some plans.
- 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.
Businesses Opayo may or may not suit
Why businesses ask for 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.
Related comparisons and learning guides
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?
We will confirm the expected review time after receiving your information.
What does the review actually check?
Transaction rates, terminal rental, PCI fees, authorisation fees, monthly minimums, settlement timings, contract length, exit fees and any additional charges specific to your account.
Get an independent view on your Opayo setup
Send a recent Opayo statement and we will calculate the effective cost of the arrangement and tell you plainly whether it is competitive. If it already is, we will say so.
Provider names and trademarks are used for identification. Card Payment Connect is independent and is not affiliated with or endorsed by this provider unless clearly stated.