Opayo by Elavon and Sage Pay

Introduction to Payment Solutions

Opayo, formerly known as Sage Pay, stands out as a premier payment gateway designed to help businesses manage payments securely and efficiently. With a strong history of supporting online purchases and recurring payments, Opayo has become a trusted partner for companies across the United Kingdom, Ireland, and other countries. By integrating Opayo’s reliable payment solutions, businesses can streamline their payment processing, save time, and enhance the overall customer experience. Whether you’re looking to support one-off transactions or manage ongoing subscriptions, Opayo’s platform is built to handle your needs with confidence and security.

What is SagePay and why should I use it?

SagePay, now part of Opayo by Sage, is a secure payment processing service that facilitates online transactions. It offers robust fraud protection, seamless integration with various platforms, and exceptional customer support. The difference with SagePay/Opayo compared to other payment gateways lies in its ease of integration, reliability, and overall convenience for businesses. SagePay/Opayo can integrate seamlessly with accounting software or web platforms, streamlining your workflow. By improving your business operations—such as payment handling, transaction security, and customer support workflows—SagePay helps you run more efficiently. Users can easily tap into SagePay’s features for efficient transaction management and quick data access. Utilizing SagePay enhances your business’s credibility and ensures a smooth checkout experience for customers, driving more sales.

Opayo (formerly Sage Pay) and Elavon Payment Gateway are both payment service providers that cater to ecommerce businesses, 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)

1. Ownership : Opayo is a UK-based payment gateway and merchant services provider, now owned by Elavon (a subsidiary of U.S. Bancorp).
2. Services :
3. Payment Gateway : Facilitates online payments, supporting credit/debit cards, digital wallets, and alternative payment methods.
4. Virtual Terminal : Allows manual card entry for phone/mail orders.
5. Recurring Billing : Supports subscription-based payments.
6. Fraud Prevention : Includes tools like 3D Secure and fraud screening.
7. Manual Payment Capture : Enables users to manually capture authorized payments through the Opayo dashboard to complete transactions.
8. Secure Payment Information Storage : Offers the option to securely store customer payment information for faster repeat purchases and streamlined checkout.
9. Target Market : Primarily UK and European businesses, from SMEs to large enterprises.

2. Elavon

1. Ownership : A major U.S.-based payment processor, wholly owned by U.S. Bancorp.
2. Services :
3. Merchant Acquiring : Processes card payments (in-person, online, mobile).
4. Payment Solutions : Includes point-of-sale (POS) systems, and point of sale virtual terminals, and omnichannel payments.
5. Bank Reconciliation & Fund Transfers : Supports streamlined bank reconciliation and efficient fund transfers, making it easier for merchants to manage transaction details and deposits.
6. Fast Funds Settlement : Transfers funds quickly and efficiently to the merchant’s bank account, helping businesses access their money with minimal delay.
7. Global Reach : Strong presence in the U.S., Europe, and Latin America.
8. Fraud & Security : Offers advanced security features like tokenization and encryption.

Relationship Between Opayo and Elavon

1. The deal for Elavon to acquire Opayo (Sage Pay) was completed in November 2020, integrating it into its European payment solutions.
2. Opayo now operates under Elavon’s merchant services but retains its brand for UK customers.
3. Businesses using Opayo may access Elavon’s broader payment processing infrastructure.

Key Features of Opayo and Elavon Platforms

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

Recurring Payments and Invoicing

Opayo’s recurring payments feature empowers businesses to set up repeat payments, making it easy for customers to pay for subscription services or ongoing commitments. This system is ideal for companies that rely on regular transactions, as it automates the payment process and reduces manual intervention. Additionally, Opayo’s invoicing capabilities allow businesses to generate and send invoices directly to customers, simplifying the way payments are managed and tracked. By leveraging these features, businesses can improve cash flow, minimize administrative work, and ensure a smooth payment experience for both themselves and their customers.

Supported Card Types

Opayo supports a comprehensive range of card types, including major credit and debit cards such as Visa, Mastercard, and American Express. This broad compatibility ensures that businesses can accept payments from customers using their preferred card, whether they are based in the United Kingdom, Ireland, or other countries. Opayo’s payment processing is fully PCI compliant, providing a secure environment for all transactions and giving both businesses and customers confidence in the safety of their payment data. By accommodating multiple card types and maintaining high security standards, Opayo makes it easy for businesses to process payments securely and efficiently.

Hosted Payment Pages

Opayo’s hosted payment pages offer businesses a secure and reliable way to accept payments online. These customizable pages can be tailored to match the look and feel of your website, providing a seamless and trustworthy payment experience for customers. With features such as secure payment processing, support for recurring payments, and integrated invoicing, Opayo’s hosted payment pages help businesses save time and reduce the complexity of managing online payments. By choosing this solution, businesses can focus on growth while ensuring that every transaction is handled securely and efficiently.

History and Regional Presence of Opayo and Elavon

Which One to Choose?

1. For UK online businesses : Opayo is a strong choice for payment gateways.
2. For in-person or U.S./global processing : Elavon may be better.
3. Combined Solutions : Some businesses use Opayo’s gateway with Elavon’s merchant services for end-to-end processing.

Would you like a comparison of fees or integration options for a smooth checkout? Sage Pay is widely used in European countries by industries such as retail, hospitality, e-commerce, and travel, which require reliable and secure payment processing for customer transactions. Accept card payments – lowest rates from 0.27%. Keep your card processing fees to a minimum.

1. Accept card payments – lowest rates from 0.27%
2. Keep your card processing fees to a minimum
3. Direct access to the UK’s leading card processing banks
4. We ensure your rates always remain competitive. No spam emails or calls. Choose from the payment methods then click Next. What’s your turnover each month? Enter the name of your company. If you’re looking for alternatives to Sage Pay for payment processing in Europe, some popular options include PayPal, Stripe, Worldpay, Adyen, and Klarna. These providers offer a wide range of payment methods suitable for various business needs.

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Choose from the payment methods then click Next

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Enter the name of your company

Enter your company’s postcode and contact number. Tell us what you need. Fill in our quick form and we’ll give you a call for a brief 5-minute chat to understand exactly what you’re looking for. If you’re interested in accepting online payments in Europe with Sage Pay, our team can guide you through the setup process, which includes integrating Sage Pay with your pos system, verifying your business details, and enabling secure payment processing on your website.

Tell us what you need Fill in our quick form and we’ll give you a call for a brief 5-minute chat to understand exactly what you’re looking for. Get tailored quotes If your business operates in different European countries and requires multi-currency transaction support, it’s important to know that Sage Pay does offer the capability to handle payments in multiple currencies. This feature can help streamline international transactions for European businesses.

Fill in our quick form and we’ll give you a call for a brief 5-minute chat to understand exactly what you’re looking for. For European merchants considering Sage Pay, it’s important to note that Sage Pay offers robust security features such as PCI DSS compliance, advanced fraud screening tools, and end-to-end encryption to protect sensitive payment data.

Get tailored quotes We’ll match you with up to three of the most competitive offers from our trusted providers that suit your business.

Get tailored quotes

We’ll match you with up to three of the most competitive offers from our trusted providers that suit your business.

Pick with confidence

We’ll help you understand the options so you can choose the best fit — quickly, clearly, and without any pressure.

Security, Reliability, and Customer Support Considerations

Getting Started with Opayo

Setting up Opayo is straightforward, allowing businesses to start accepting payments quickly and with minimal hassle. To begin, you’ll need to obtain a merchant number and provide some basic business information. Opayo’s dedicated support team is available to assist you throughout the setup process, ensuring a smooth transition to their payment gateway. Once your account is active, you can take advantage of additional services such as integration with e-commerce platforms, API access for custom solutions, and telephone support for ongoing assistance. With Opayo’s reliable payment processing and secure infrastructure, you can manage payments confidently, boost your sales, and deliver a better experience to your customers.