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Elavon Payment Processing: A Comprehensive Review for UK Businesses

For UK businesses looking to accept card payments, choosing the right payment processor is crucial. Elavon is a major player in the payment processing industry, offering a range of solutions tailored to businesses of all sizes. In this review, we’ll explore Elavon’s services, fees, pros and cons, and how it compares to other UK payment processors.

Who is Elavon?

Elavon is a global payment processor owned by U.S. Bancorp, one of the largest financial institutions in the United States. With a strong presence in Europe, including the UK, Elavon provides merchant services to businesses across various industries, from retail and hospitality to eCommerce and professional services.

Elavon’s Payment Solutions for UK Businesses

Elavon offers several payment processing options, including:

1. Card Terminals (Countertop, Portable & Mobile)

  • Countertop terminals – Ideal for fixed retail locations.

  • Portable terminals – Suitable for restaurants and service-based businesses.

  • Mobile terminals – Enable payments on the go via Bluetooth or Wi-Fi.

2. Online & eCommerce Payments

  • Virtual Terminal – Manually process card-not-present transactions.

  • Payment Gateway – Integrates with eCommerce platforms like Shopify, WooCommerce, and Magento.

  • API Solutions – Custom payment integrations for larger businesses.

3. Omnichannel & Contactless Payments

  • Supports Apple Pay, Google Pay, and Samsung Pay.

  • PCI-compliant solutions to ensure secure transactions.

Elavon’s Fees & Pricing Structure

Elavon’s pricing varies depending on business size, transaction volume, and industry. Common fee structures include:

  • Monthly fees – Ranging from £10–£30+ for terminal rental and account maintenance.

  • Transaction fees – Typically 1.5%–3% per card transaction (varies by card type).

  • Contract terms – Often 3-year contracts, with early termination fees.

Some businesses may negotiate custom rates based on volume.

Pros of Using Elavon

✔ Trusted & Established – Backed by U.S. Bancorp with a strong UK presence.
✔ Wide Range of Solutions – Suitable for in-person, online, and mobile payments.
✔ Multi-Currency Support – Useful for businesses dealing with international customers.
✔ Advanced Security – Fraud prevention tools and PCI compliance support.

Cons of Using Elavon

✖ Long-Term Contracts – Early termination fees can be costly.
✖ Mixed Customer Reviews – Some users report slow customer service.
✖ Pricing Not Always Transparent – Fees can vary significantly by business type.

How Elavon Compares to Other UK Processors

Feature Elavon Worldpay Square SumUp
Contract Terms 3+ years 1–3 years No contract No contract
Mobile Payments Yes Yes Yes Yes
Online Payments Yes Yes Yes Limited
Pricing Transparency Medium Medium High High

Best for: Established businesses with high transaction volumes that need a reliable, full-service processor.

Final Verdict: Is Elavon Right for Your Business?

Elavon is a solid choice for UK businesses that need a scalable, secure, and multi-channel payment solution. However, smaller businesses or those wanting flexible, short-term contracts may prefer alternatives like Square or SumUp.

Before signing up, compare quotes and read the contract terms carefully to avoid unexpected fees.

Would you like help finding the best card processor for your specific business needs? Let us know—we’re here to help!