UK alternative to Stripe

Every collection method, one ledger

Stripe is a card platform. UK operators still bolt on a bureau and an open-banking provider. Omni-payments keeps Apple Pay, Google Pay, cards, open banking and BACS in one place — and runs the retry path for you.

Talk to sales See a workflow

Cards from 10p · Open banking at 0.5% · BACS from 2.0p

Why look past Stripe

A card gateway is not a UK collections stack

Stripe is good at taking a card. Memberships, invoices and regulated collections in the UK usually also need Direct Debit, BACS reports and bank-to-bank. That is three suppliers and three reconciliations unless you run them together.

Need Stripe-led setup ePayment omni
Cards, Apple Pay, Google Pay Native Native on the card scheme
Open banking A second product, or not used Same customer, same report
BACS Direct Debit bureau Not a bureau — AUDDIS, ADDACS, ARUDD sit elsewhere Bureau on the same stack, from 2.0p
Failed card → cheaper method You build the retry Workflow: wallet or card, then open banking or Direct Debit
Support Global ticket queue UK team, ISO 27001 and ISO 9001
Indicative card rate Typically 1.5% + 20p online From 10p plus acquiring, or from 1% + 4p all-in

Stripe remains a strong card processor. The gap is running UK schemes as one operation, not as add-ons.

One place

Every payment against the same customer

Wallets, cards, open banking and BACS write to one ledger. The payer is not a Stripe customer plus a bureau mandate plus an open-banking consent.

  • One customer record

    Name, account, card token and bank consent live together. Confirmation of Payee and modulus checks sit on the same file before a BACS collection leaves.

  • One reconciliation

    Settlements, fails, chargebacks and ARUDD land in one report. Finance is not matching three CSVs at month end.

  • One retry path

    If Apple Pay or a card does not go through, the workflow can offer open banking the same session, or lodge a Direct Debit for the next cycle.

Methods

Offer the method the payer already uses

Checkout, invoice and membership collection on the schemes UK payers actually complete.

  • Apple Pay

    Wallet on the card scheme. Biometric confirm, then the same acquiring path as a Visa or Mastercard sale.

  • Google Pay

    Same card scheme, same fraud controls, same settlement. Useful on Android checkout and in-app.

  • Cards

    Visa, Mastercard and Amex. PCI DSS, 3-D Secure and AVS. Gateway from 10p plus the acquirer rate.

  • Open banking

    Bank-to-bank, confirmed immediately. 0.5% plus 10–15p. No card scheme fee, no chargeback.

  • Direct Debit

    Recurring collections on BACS. Mandates, AUDDIS, ADDACS and ARUDD without you running the cycle.

  • Direct Credit

    Payouts, refunds and supplier payments on the same bureau as the collections.

Automated workflows

More than one way to get paid, in the right order

You set the path. The platform tries the methods in sequence and writes one outcome.

  1. Start with the wallet or card

    Apple Pay, Google Pay or a keyed card for payers who want to finish in the browser. Fraud checks and 3-D Secure run on that attempt.

  2. Offer open banking on a fail or a preference

    If the card is declined, or the payer chooses bank-to-bank, they pick their bank and authorise the amount. Settlement is confirmed immediately.

  3. Lodge Direct Debit for the next cycle

    Memberships and invoices that will repeat do not need a card on file. The bureau lodges the mandate and collects on BACS.

  4. Report once

    Success, fail and fallback sit on the same payment. Support sees one timeline, not three portals.

Indicative rates

Price the scheme, not a blended Stripe tariff

Run the schemes as one operation.

Tell us the mix of wallets, cards, open banking and BACS. We will size the gateway, the bureau and the workflow.

Contact sales

ISO 27001 · ISO 9001 · UK support