This guide ranks the 7 best Payment Gateway Software options available in United Kingdom as of 2026, ordered by SpotScore — a composite of ratings, verified reviews, and feature coverage. All tools listed support UK compliance requirements and are evaluated for suitability in the United Kingdom market.
How to Choose Payment Gateway Software in United Kingdom
In the United Kingdom, selecting Payment Gateway Software is critical for ensuring compliance with financial regulations and providing a seamless transaction experience for your customers. The Financial Conduct Authority (FCA) oversees payment services, requiring businesses to adhere to the Payment Services Regulations 2017 and the Electronic Money Regulations 2011. Your business must also comply with the General Data Protection Regulation (GDPR) regarding customer data protection. The core challenge you face is navigating these regulatory requirements while ensuring that your payment processing is efficient and secure. Failure to comply can lead to significant penalties, including fines from the FCA and reputational damage. Understanding these regulations will empower you to make informed decisions when selecting the right software for your business needs.
As of 2023, the UK payment gateway market is projected to grow at a compound annual growth rate (CAGR) of 12.5%, driven by the increasing adoption of e-commerce and digital payment solutions. Major players like PayPal and Stripe dominate the market, but local providers are also gaining traction.
Top Payment Gateway Software Available in United Kingdom
Ranked by SpotScore — a composite of ratings, reviews, and feature coverage
Payoneer provides a simple and cost effective solution for your business to accept credit card and other payments online. Payoneer's suite of Payment Gateway Solutions has been adapted to meet the needs of various businesses such as banks, eCommerce merchants, international money transfer companies, mobile network operators, MSO's, PSP's and more.
Razorpay's payment gateway software helps online businesses to accept payments from customers using their desktop and mobile devices. This online payment gateway helps you integrate seamlessly with the leading payment gateways in India, and global financial networks like Visa and Mastercard. The API based platform enables you to create your own extensions as per your needs.
Tranzzo payment gateway software is ideal for any business that processes online payments including e-commerce, retail, utilities or service providers. Tranzzo allows your business to accept customer payments from more sources including PayPal, authorize, credit cards and gift/debit cards without requiring additional payments from the merchant.
Skrill is a digital payment gateway used by individuals, freelancers, and small businesses that send and receive international transfers frequently across multiple currencies. It supports credit/debit cards, bank transfers, and peer-to-peer sends in a single account. Fee rates vary significantly by transaction type — ranging from 1% to 3.5% — and bank withdrawals outside Europe can take 1–3 business days, so verifying supported corridors before committing is important.
SuperPay is a payment gateway software which allows users to accept credit card payment on their website and transfer the amount to their bank account. With its 100% secured and PCI-DSS compliant cloud solution, SuperPay will ensure that your customers can make payments without worrying about their records and information.
Boost your business sales with Cartfuel - the ultimate online payment form management software. Increase your average cart value by 20% in just 5 minutes with our trusted platform, used by over 416 businesses and agencies worldwide. No coding needed - easily turn any landing page or website into a high-converting sales funnel. Our customisable payment forms match your brand and style, while our features like countdown timers, direct CRM integration, and coupon generator speed up conversions. Embed Cartfuel on multiple platforms like ClickFunnels, HubSpot, and WordPress for maximum reach. Take control of your sales with Cartfuel's optimized features.
Maxpay is the ultimate payment gateway for business. Developed by experienced online business owners, Maxpay is packed with tools, local expertise and risk analytic solutions to help you grow. As running an online business goes beyond payments processing, our team of payments professionals are dedicated to providing support and resources to assist all businesses, regardless of size, so they can thrive in a global market. With Maxpay's services you can be sure that success is just around the corner.
Key Regulations
Payment Services Regulations 2017
This regulation mandates that all payment service providers in the UK must be authorized by the Financial Conduct Authority (FCA). Your software must support secure customer authentication and provide clear transaction records. Non-compliance can result in penalties up to £500,000 and potential criminal charges for operating without authorization.
Electronic Money Regulations 2011
Under these regulations, any business issuing electronic money must be authorized by the FCA. Your payment gateway software must facilitate the issuance and redemption of electronic money, ensuring that customer funds are safeguarded. Failure to comply can lead to fines and the revocation of your ability to operate as a payment service provider.
General Data Protection Regulation (GDPR)
GDPR requires that your payment processing software ensures the protection of personal data. This includes implementing data encryption and secure storage practices. Non-compliance can result in fines of up to €20 million or 4% of your annual global turnover, whichever is higher.
PCI DSS (Payment Card Industry Data Security Standard)
Compliance with PCI DSS is mandatory for any business that processes credit card transactions. Your software must meet specific security standards, including encryption and secure data storage. Non-compliance can lead to fines from payment card networks and increased liability for data breaches.
Anti-Money Laundering (AML) Regulations
Under the Proceeds of Crime Act 2002 and the Money Laundering Regulations 2017, your payment gateway must include features for customer due diligence and transaction monitoring. Failure to comply can result in penalties of up to £1 million and potential criminal charges.
Consumer Rights Act 2015
This act requires that your payment processing software provides clear information about payment terms and conditions. It must also facilitate refunds and chargebacks in compliance with consumer rights. Non-compliance can lead to legal disputes and reputational damage.
What to Look For
FCA authorization verification
Your payment gateway software must be able to verify that the provider is authorized by the FCA. This is crucial for ensuring that your business operates within legal parameters. Before purchasing, confirm with vendors that they can provide proof of FCA authorization.
GDPR-compliant data handling
The software must include features that ensure compliance with GDPR, such as data encryption and user consent management. This is essential for protecting customer data and avoiding hefty fines. Verify that the vendor can demonstrate their compliance measures.
PCI DSS compliance support
Your payment gateway must support PCI DSS compliance by providing secure transaction processing and data storage solutions. This is vital for protecting cardholder information. Check that the vendor can provide documentation of their PCI DSS compliance.
Transaction monitoring tools
The software should include tools for monitoring transactions to comply with AML regulations. This feature is necessary for detecting suspicious activities and fulfilling legal obligations. Ensure that the vendor can explain how their monitoring tools work.
Refund and chargeback management
Your payment gateway must facilitate easy processing of refunds and chargebacks in line with the Consumer Rights Act 2015. This is important for maintaining customer trust and compliance. Confirm that the vendor's software has these capabilities.
Secure customer authentication
The software should support strong customer authentication methods to comply with the Payment Services Regulations 2017. This feature is critical for preventing fraud and ensuring secure transactions. Ask vendors how their software implements these authentication measures.
Common mistake: Many UK businesses purchase payment gateway software that lacks FCA authorization, leading to severe legal consequences. Operating without FCA compliance can result in fines and the inability to process payments legally. Always verify the vendor's FCA authorization status before finalizing any purchase to avoid costly mistakes.
Compliance Checklist
Is your software authorized by the FCA?
This question is crucial because only FCA-authorized software can legally process payments in the UK. If the vendor answers no, you must seek alternatives to avoid legal repercussions.
Does your software support GDPR-compliant data handling?
GDPR compliance is non-negotiable for protecting customer data. A negative response means you risk significant fines and reputational damage.
Can your software demonstrate PCI DSS compliance?
PCI DSS compliance is essential for safeguarding cardholder information. If the vendor cannot provide proof, you should reconsider your options.
Does your software include transaction monitoring features?
Transaction monitoring is necessary for AML compliance. If the answer is no, you may face legal risks and penalties.
Can your software manage refunds and chargebacks effectively?
Effective refund and chargeback management is required under the Consumer Rights Act 2015. If the vendor cannot confirm this capability, it could lead to customer dissatisfaction.
Does your software support secure customer authentication?
Secure customer authentication is mandated by the Payment Services Regulations 2017. A negative response could expose your business to fraud risks.
Questions to Ask Vendors
- What measures do you take to ensure GDPR compliance?
- Can you provide documentation of your PCI DSS compliance?
- How does your software handle transaction monitoring for AML compliance?
- What is your process for managing refunds and chargebacks?
- Can you demonstrate secure customer authentication methods in your software?
Frequently Asked Questions
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Disclaimer: This research has been collated from a variety of authoritative sources. We welcome your feedback at [email protected].