UK Payment Providers

Standard plan from free to 0.5% (first £1,000 free; final price by integration and volume); BankPay open banking marketed as no transaction fees; SMS 5p each; Sage integration +0.1% of turnover; Enterprise by quote

Receive funds in seconds, not days.

Euronet Worldwide

Finion

Gyms and fitness studios, especially those on Magicline or PerfectGym, that want membership billing, card/wallet acceptance and collections from one provider.

SaltPay

European SMB Payments

Elavon Europe

European Card Acquiring

Maybank

Monzo

UK Digital Banking

regional

Free personal; business from £5/month

Buy Me a Coffee

Creator Monetization

PassTo (Swift Payment Technologies)

Unifiedpost

Zeller

UK small and medium businesses, such as hospitality and retail, that want card machines with built-in POS plus a free business account and cards without monthly fees.

In-person payments: 1.3% (excludes American Express — even lower rates for larger businesses). Other cards: 1.99% for American Express, business, and international cards. MOTO payments: 1.5% for domestic Mastercard and Visa cards, 2.4% on all other cards. Invoice and virtual terminal transaction fee: 1.5% for domestic Mastercard and Visa cards, 2.4% on all other cards; £0 subscription fee; settlement fee free. Zeller Terminal 1x £99 + VAT; Zeller Terminal 2 £149 + VAT. Business account free; Expense cards: first card free, additional cards £5/card per month (ex VAT). No set-up fees, monthly fees, or lock-in contracts.

Same day

OpenPayd

Embedded Finance Infrastructure

Corpay

Enterprise cross-border B2B payments, FX risk management, and AP automation

0.3-0.8% for B2B transfers; FX markup varies

PPRO

Local Payment Method Integration

BigCommerce Payments

BigCommerce Store Payments

2.59% + $0.49 per transaction

Apron

UK-registered small and medium businesses, finance teams and accounting firms that want bill pay, payroll payments, expense cards and payment-link collections reconciled with Xero or QuickBooks.

Get paid links: 0% on pay by bank. 0% on business cards. 1% fee on personal cards. (If the customer covers card fees, business cards are 2.9% to the customer.) Plans (from 1 December 2026, per company, billed monthly): Payments lite Free; Payments core £29/month; Payments plus £49/month; Payments max £99/month. Pay anyone using a credit card: 2.5% fee. FX conversion fee 0.5%; £3 per payment outside EEA.

Same day

Dayforce (Ceridian)

Enterprise global payroll and HCM

Per-employee-per-month subscription (quote-based)

Incard

UK and EU ecommerce businesses, agencies, AI startups and creators that want multi-currency business accounts and cashback Visa cards for spending such as online advertising.

baas

Free: £0/month (3 users, 1% cashback on debit cards, 3 multi-currency IBANs, 15 cards, £5,000 FX at interbank rate). Grow: £49/month (5 users, 1.25% cashback on debit cards, 5 multi-currency IBANs, 30 cards, £15,000 FX at interbank rate, API & automation access). Incard Plus: from £199/month (from 10 users, from 1.5% cashback on debit cards, from 20 multi-currency IBANs, from 50 cards, from £25,000 FX at interbank rate). Billed once yearly; yearly billing saves 15%.

Varies

Judopay

Mobile App Payments

Bankoro

Fintechs that want to build account-based products, and businesses with international activity or foreign owners and directors that need a UK multi-currency account and meet the £2 million turnover or balance minimum.

baas

Account opening fee: individual, typically from £300 for CAT 1 jurisdictions; Monthly fees: individual, typically from £100/month for CAT 1 jurisdictions; Foreign exchange (FX) charges: individual, typically from 0.18%; Outgoing payment charges: individual, typically from £2 and 0.2%; Incoming payment charges: individual, typically from £1 and 0.1%; Account closure fee: 3x monthly fee; Non-compliance with customer profile: individual, typically up to 12x monthly fee; Special requests: individual, typically from £100

Varies