Opayo (formerly Sage Pay)

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Join over 50,000 businesses using Opayo to process millions of secure payments each month

Opayo, formerly known as Sage Pay, is the most recommended independent Payments Service Provider in the UK.

Whatever your size, whatever your business, if you take payments, there is a solution to suit your needs.

Opayo has solutions for e-commerce, car payment terminals and on-screen payment portals for telesales.
Fully integrated to both Sage 50 and Sage 200, Opayo is also the highest rated payment provider on Trustpilot.

Supporting businesses across the UK

Ideal for companies with:

  • E-commerce Website

  • EPOS requiring integrated card machines

  • Requirement to take phone payments

  • wish to offer "pay now" option on Invoices

Key Software Features

  • Single-click checkout for e-commerce

  • Integrated EPOS and card machine solution.

  • Secure transaction management tool for taking Telephone Payments

  • Minimise risk from fraud – thanks to inbuilt prevention and screening tools

Opayo (formerly Sage Pay) can be fully integrated to your Sage 50, Sage 200 or EPOS system out of the box, making it very simple to collect payments over the phone via a virtual terminal directly into your sales ledger without leaving the system.

If you sell online and have an eCommerce website, Opayo integration enables you to automatically download your transaction history into your Sage Accounts software.

It provides a range of services allowing you to process payments online, over the phone, through mail order and via card machines.

We can even add a “Pay Now” button to your invoices, so your customers can pay online instantly using their debit card, credit card or even with their PayPal account.

Online Payments

Opayo is the most recommended payment service provider in the UK. If you’re looking to take payments through your website, it’s easy to get started with Opayo’s online payment gateway.

Their clear pricing structure includes no hidden fees or contracts.

For £25 / month you will benefit from:

  • Free 24/7 UK-based support,
  • Free fraud prevention & screening tools,
  • Free reporting and analytics features,
  • Free integration to Sage Accounts software,
  • Free PayPal integration

You’ll also be able to personalise your payment pages, accept multiple currencies and integrate international payment types.

If you’re processing more than 1000 transactions a quarter, the price is simply £0.10 per transaction.

Note: To accept online payments, you’ll also need an Internet Merchant Bank Account (this is different from your normal Business Bank Account). If you haven’t got an existing Merchant Bank Account, the Opayo Merchant Services team can arrange one for you.

Merchant Services

In order to accept card payments, you’ll need a Payment Gateway and a Merchant Bank Account (in addition to your regular Business Bank Account).

A merchant account is different from a normal business bank account. It’s specifically designed to accept settled card payments.

Opayo can answer any questions you have about Merchant Accounts. They also receive preferential rates from Elavon, and can help you set up an account with them.

There’s a clear pricing plan, so you’re never hit with unexpected fees.

Different types of Merchant Accounts

Online Payments

  • Visa, MasterCard, Diners and Discover cards
  • American Express cards
  • JCB cards
  • PayPal
  • Local European payments

Mail and Telephone Payments

  • Visa, MasterCard, Diners and Discover cards
  • American Express cards
  • JCB cards

Card Machine Payments

  • Visa, MasterCard, Diners and Discover cards
  • American Express cards
  • JCB cards

Four Card machine solutions


  • If you’re looking for a secure pin entry device (PED) in a fixed location, Opayo can provide one. You just need a telephone line or broadband connection.


  • You simply need a mobile signal to process payments with a portable machine – it’s perfect for events!

Integrated EPOS solutions

  • Connect your systems together with an integrated EPOS and card machine solution. You can gain greater insight into your sales and reduce your overall costs.

Contactless payments

  • Save your customers valuable time and offer them a slick in-store experience – let them pay by contactless machines.

Card Terminal Payments

You can accept card payments in-store, on the move or at events with Opayo’s Card Machines.

Choose a countertop device with broadband connectivity, mobile device with GPRS, or a fully integrated EPOS solution.

All of Opayo’s card machines feature exceptional performance; fast payment processing keeps queues flowing. They are easy to install and set-up and have the highest level of security.

Single-Click Checkout (Token) System

Opayo’s single-click checkout lets your customers store their card details, so they don’t need to type them out for future purchases!

It’s highly secure, as Opayo store their details as an encrypted token – meaning you don’t touch the data.

Not only does it improve the experience for your customers, but it also makes purchasing from a mobile a breeze!

• Minimise your PCI DSS compliance requirements,
• Increase your online conversion rate with a single-click checkout,
• Viable for multiple platforms and payment types,
• Reduce costs – no need to rely on expensive infrastructure to store card details.

The system starts from just £20 a month.

Telephone and Mail Order Payments

If your customers wish to make a payment over the phone or via mail order, they need to know that you will process their card details securely.

Opayo offers a secure transaction management tool for taking Telephone and Mail Order Payments, from only £15 / month.

• Easy to use – access the system from your web browser,
• Minimise risk from fraud – thanks to inbuilt prevention and screening tools,
• Receive free expert advice – from a 24 /7 UK based support team,
• Reduce your cost of PCI DSS compliance – by using a Level 1 service provider.

There’s no contract, no annual charges and no hidden fees.

Call us now for more information on 01332 587 515 or email sage@smithcooper.co.uk

Find out more about Opayo and its many benefits!

Call 01332 587515 or enquire online today