Payment providers in United Kingdom
Payment providers in United Kingdom: PSPs, payment gateways and aggregators for pay-ins and payouts — local methods, rates and onboarding terms. Listings: 140.
Handepay
Handepay is a UK payment service provider that accepts bank cards in three formats: online, at the point of sale and through payment links. It operates in the…
HighRiskPay UK
HighRiskPay UK matches merchants with a merchant account and payment gateway through acquiring partners. The company is based in the United Kingdom and works…
iWallet
iWallet is a payment system with an e-wallet, operating since 2000. The operator is iWallet Inc., a US company based in San Francisco. The service combines…
Jeton Wallet
Jeton Wallet is a payment system with an e-wallet and virtual cards, founded in 2018. The service accepts top-ups from major card schemes and crypto wallets…
Klarna
Klarna is a payment provider founded in 2005 that operates through the Swedish entity Klarna Bank AB. It serves e-commerce, financial services and travel, and…
LemFi
LemFi is an international money transfer service that works through a mobile app. Money can be sent from Canada, the United States, the United Kingdom and…
Lemonway
Lemonway is a French payment institution built for marketplaces, e-commerce platforms and crowdfunding. It was founded in 2007 and is based in Paris. Services…
Maxpay
Maxpay is a payment platform for online businesses with built-in chargeback protection and anti-fraud. It was founded in 2014 and is based in Malta and Cyprus…
Mercuryo
Mercuryo is a Web3 payment infrastructure group founded in 2018, with offices in London and Limassol. It provides embedded on/off-ramp and payment services for…
MIDs
MIDs opens merchant accounts with several acquirers at once and orchestrates cards, alternative payment methods, wallets and open banking across them. The…
Modulr
Modulr is an electronic money institution offering payment automation and API infrastructure for settlements, payouts and embedded financial products. The…
MONEI
MONEI is a Spanish payment institution founded in 2019 and based in Málaga, with an office in Barcelona. It accepts online and in-person payments and describes…
MoneyTO
MoneyTO is a UK money transfer operator. Money is sent from the United Kingdom and credited to a bank account or card, or paid out in cash to the recipient…
MoonPay
MoonPay is a fiat-to-crypto provider founded in 2019 with offices in Miami and London. Beyond its retail on/off-ramp, it runs an Enterprise line, a stablecoin…
MuchBetter
MuchBetter is an e-wallet that has been running since 2016. Users top up a balance and spend it at merchant checkouts that support this payment option, which…
Mukuru
Mukuru is a money transfer service focused on Africa and international corridors. Its page for senders in Malawi lists recipients in African countries, Asia…
MultiSafepay
MultiSafepay is a European acquirer and payment page developer that supports more than 40 local European and Asian payment methods. It was founded in 1999 in…
Neosurf
Neosurf is a payment system founded in 2004. Users manage funds through a mobile app, and deposits and withdrawals are made by bank transfer. Currencies euro…
Services in United Kingdom
Payment providers by country
Subsections
Payment service providers in the United Kingdom
The UK combines a mature card market with one of the most developed open banking ecosystems in the world. This page lists {count} payment gateways, acquirers, EMIs and payout providers that accept or send GBP, or onboard UK-registered companies.
How people pay in the UK
- Cards and Apple Pay remain the default online, with SCA (3-D Secure) required for most card-not-present payments.
- Open banking pay-by-bank via Faster Payments: instant, no card fees, no chargebacks — popular for top-ups, bills and iGaming deposits.
- Bacs Direct Debit for subscriptions and utilities; SEPA and SWIFT for euro and cross-border flows.
Regulation: FCA and beyond
Payment institutions and e-money institutions are authorised by the FCA; ask whether a provider is directly authorised, an agent, or a registered small PI. Gambling operators serving UK players need a UK Gambling Commission licence, and credit cards cannot be used for gambling. Crypto firms must register with the FCA for AML. See legal and licensing in the UK.
High-risk and specialised verticals
Licensed gambling, forex/CFD brokers, dating, adult and subscription businesses can get UK acquiring, but expect enhanced due diligence, reserves and tighter chargeback thresholds. High-risk merchants and requests from UK merchants are listed separately.
Choosing a UK PSP
- Interchange++ pricing vs blended, FX markup on non-GBP cards
- Open banking coverage (share of UK banks), refund flows
- Settlement timing, safeguarding of client funds
- Payout options: Faster Payments, push-to-card, multi-currency IBANs
Related hubs: UK banks and EMIs, UK liquidity and FX, cross-border payments. Check the Offers tab or post a request.