> Card Payment Gateway & Acquirer Accounts UK | ePayment Services
Card scheme

Card payments with a BACS fallback

Take Visa, Mastercard and Amex, then fail over to Direct Debit when a card collection does not go through.

Seamless Integration
Auto Failover
PCI DSS Compliant
View Pricing See Integration

Two ways in

Keep your acquirer, or switch and save

Gateway only if the acquiring rate is already good. All-in acquiring if you are on Stripe-style blended pricing.

Gateway only Gateway + acquirer
Platform Included Included
Acquirer Yours Ours, from 1% + 4p
Wallets Apple Pay, Google Pay Apple Pay, Google Pay
Typical setup 1–2 weeks 2–3 weeks

Failover

If the card fails, collect another way

Retry, then Direct Debit or open banking on the same customer — not a separate product.

Card Payment Attempt

Customer payment processed

Payment Fails

Insufficient funds, expired card

AI & Agent Analysis

Intelligent decision making

Auto Switch to Direct Debit

Seamless failover & customer notification

Intelligent Automation Features

  • Automatic Re-onboarding

    Failed card payments automatically trigger Direct Debit setup with customer notification and consent collection

  • Customer Self-Service Portal

    Customers can manage payment methods, switch between cards and Direct Debits, and update details themselves

  • AI and Automated-Agent Retry Logic

    Machine learning determines optimal retry timing and payment method selection for maximum success rates

  • Smart Notifications

    Intelligent customer communications via email, SMS, and in-app notifications with personalized messaging

  • Fraud Prevention

    Real-time fraud detection across all payment channels with automatic blocking and customer verification

  • Revenue Optimization

    Analytics and insights to minimize failed payments and maximize collection rates across all channels

On the card scheme

Wallets, cards and recurring

Apple Pay, Google Pay, Visa, Mastercard and Amex, with 3-D Secure and AVS on the same gateway.

Global Card Support

Accept all major card types including Visa, Mastercard, American Express, Discover, and regional cards.

  • Visa & Mastercard
  • American Express
  • Multi-currency support

Digital Wallets

Support for Apple Pay, Google Pay, and other digital wallet payment methods for frictionless checkout.

  • Apple Pay
  • Google Pay
  • One-click payments

Tokenization & Security

Industry-leading security with card tokenization, 3D Secure 2.0, and PCI DSS Level 1 compliance.

  • Card tokenization
  • 3D Secure 2.0
  • PCI DSS Level 1

Recurring Payments

Set up subscription billing with automatic retry logic and intelligent dunning management.

  • Subscription billing
  • Smart retry logic
  • Dunning management

E-commerce Integration

Pre-built plugins for major e-commerce platforms and flexible API for custom integrations.

  • WooCommerce
  • Shopify
  • Custom API

Analytics & Reporting

Comprehensive dashboards with real-time transaction monitoring and detailed financial reports.

  • Real-time dashboard
  • Transaction reports
  • Revenue analytics

Acquirer rates that beat Stripe’s 1.5% + 20p

Standard UK consumer cards on Stripe cost 1.5% + 20p. Our all-in path is from 1% + 4p — gateway, Apple Pay, Google Pay and acquiring on one quote.

Saving versus Stripe

Stripe’s published UK rate for standard consumer Visa and Mastercard is 1.5% + 20p. Our all-in acquiring is from 1% + 4p. The 20p versus 4p is why smaller tickets save the most.

Sale Stripe 1.5% + 20p ePayment 1% + 4p You keep
£25 57.5p 29p 28.5p · 50%
£50 95p 54p 41p · 43%
£100 £1.70 £1.04 66p · 39%
10,000 × £50 £9,500 £5,400 £4,100

Stripe premium and corporate UK cards are 1.9% + 20p; EEA cards 2.5% + 20p. ePayment from 1% + 4p is indicative and quoted. + VAT where applicable.

Why Our Acquirer Accounts?

Lower Rates

On a £50 sale, 95p on Stripe versus 54p with us — 41p kept (43%).

Dedicated Support

Phone support from payment specialists

Fast Settlement

Next-day funding with no rolling reserves

Same Security

Bank-grade security and full PCI compliance

Apply for Acquirer Account

Apply for a Acquirer Account

Get started with a competitive acquirer account. Complete this form and our team will prepare a tailored quote for your business.

1

Submit Application

Provide your business details and payment requirements

2

Get Your Quote

Receive a customized rate within 24 hours

3

Quick Approval

Fast-track approval process, typically 2-3 days

4

Start Processing

Begin accepting card payments immediately

Why Choose Our Acquirer Accounts?

  • From 1% + 4p versus Stripe 1.5% + 20p on standard UK cards
  • Next-day settlement with no rolling reserves
  • Dedicated phone support
  • Free integration support
  • No setup or monthly fees

Acquirer Account Application

All fields are required unless marked optional

Business Information

Transaction Details

Contact Information

Gateway only

Platform pricing

If you keep your acquirer, this is the platform fee. Acquiring is extra — or switch to the all-in rate above.

Platform cost

15p → 12p → 10p as volume rises. Acquirer rate is separate unless you take the all-in quote.

10,000
Platform fee per transaction: 12.0p
Monthly volume: 10,000
Platform cost (monthly): £1,200.00
Acquirer fees extra on gateway-only. All-in from 1% + 4p versus Stripe 1.5% + 20p — see the saving.

Platform Fee Tiers

0 - 5,000
15.0p
5,001 - 25,000
12.0p
25,001+
10.0p
Get Started

Includes Direct Debit integration • Customer self-service • AI and automated-agent automation

What's Included

  • Unlimited card transactions
  • Direct Debit integration
  • Automatic failover
  • AI and automated-agent retry logic
  • Customer self-service portal
  • Multi-channel payment (MCP)
  • Real-time analytics
  • Fraud detection
  • Webhook notifications
  • Full API access
  • Expert technical support
  • Free implementation

Stop paying Stripe’s 20p on every sale.

From 1% + 4p all-in. On 10,000 payments at £50 that is £4,100 a month kept versus 1.5% + 20p.

Get Started Today Schedule a Demo
95%+
Collection Rate
43%
Kept vs Stripe on a £50 sale
50M+
Transactions Processed