Opayo by Sage Pay and Elavon
Opayo (formerly Sage Pay) and Elavon are both payment service providers, but they offer different solutions for businesses looking to accept payments. Here’s a breakdown of each and how they may relate:
1. Opayo (formerly Sage Pay)
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Ownership: Opayo is a UK-based payment gateway and merchant services provider, now owned by Elavon (a subsidiary of U.S. Bancorp).
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Services:
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Payment Gateway: Facilitates online payments, supporting credit/debit cards, digital wallets, and alternative payment methods.
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Virtual Terminal: Allows manual card entry for phone/mail orders.
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Recurring Billing: Supports subscription-based payments.
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Fraud Prevention: Includes tools like 3D Secure and fraud screening.
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Target Market: Primarily UK and European businesses, from SMEs to large enterprises.
2. Elavon
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Ownership: A major U.S.-based payment processor, wholly owned by U.S. Bancorp.
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Services:
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Merchant Acquiring: Processes card payments (in-person, online, mobile).
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Payment Solutions: Includes point-of-sale (POS) systems, virtual terminals, and omnichannel payments.
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Global Reach: Strong presence in the U.S., Europe, and Latin America.
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Fraud & Security: Offers advanced security features like tokenization and encryption.
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Relationship Between Opayo and Elavon
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Elavon acquired Opayo (Sage Pay) in 2020, integrating it into its European payment solutions.
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Opayo now operates under Elavon’s merchant services but retains its brand for UK customers.
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Businesses using Opayo may access Elavon’s broader payment processing infrastructure.
Key Differences
| Feature | Opayo (Sage Pay) | Elavon |
|---|---|---|
| Primary Focus | UK online payments | Global merchant services (POS, online, mobile) |
| Gateway vs. Processor | Mainly a gateway | Full-service processor & acquirer |
| Geographic Strength | UK & Europe | U.S., Europe, Latin America |
| Ownership | Subsidiary of Elavon | Owned by U.S. Bancorp |
Which One to Choose?
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For UK online businesses: Opayo is a strong choice for payment gateways.
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For in-person or U.S./global processing: Elavon may be better.
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Combined Solutions: Some businesses use Opayo’s gateway with Elavon’s merchant services for end-to-end processing.
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