Payment gateway integration has become an important aspect whether it is a mobile app or a web-based application. Today almost 70% to 80% of the applications involve payment gateway integration in one or the other manner. Either it’s through recurring subscription, in-app purchase, one time payment, or purchasing something online. Payment gateway plays a major role in facilitating a smoother purchase online for goods of services.

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If we specifically talk about the UK, the statistics of payment gateway and it’s market size is amazing to gaze upon.

  • 70% people prefer using digital wallets over cash or card payments.

  • Digital Payments market is projected to reach US$447.86bn in 2025.

  • Mobile POS Payments is projected a total transaction value of US$276.14bn in 2025.

These numbers are a testimony of the increasing use of the payment gateways in the applications. Not only for the eCommerce stores but, in-store systems also are equipped with payment gateways. Talking specifically about the UK region, there are various options available to be integrated in the mobile and web-based applications. The UK region has some great providers to facilitate payments across the internet which we call it as payment gateways. Being one of the top mobile app development companies, we have curated a list of the best payment gateways in the UK.

The blog compares the best payment gateways in the UK based on various and salient parameters which are essential to know before selecting a payment gateway to be integrated in your application if it’s focused for the UK region.

10 best payment gateways in the UK

The list of best payment gateways in the UK comprises of several known and upcoming options for integrating with your applications be it mobile, web-based, or POS systems. Stripe, MangoPay, Adyen, Braintree, WorldPay, Checkout.com, Opayo, GoCardless, Square, Authorize.net are recommended by as tried and tested payment gateways for integration with mobile apps and web-based apps.

Stripe

Unarguably the first choice and sort of a household name in the UK when it comes to payment gateway integration in mobile and web applications. It provides powerful developer APIs and ample customization options, making it an excellent choice for app developers. Stripe** supports a wide array of payment methods and currencies, ensuring seamless transactions for global businesses. It has a developer-first approach, allowing for deep integration and flexibility unmatched by most competitors.

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- Transaction fees:** 1.5% + 20p for UK standard cards, 1.9% + 20p for UK premium cards.

- **Payment methods:** Cards, Apple Pay, Google Pay, Klarna, Bank Transfers.

- **Payout speed:** 3-5 days, Instant available.

- **Security & compliance:** PCI DSS, AI fraud detection, 3D Secure.

- **Currencies supported:** 135+ currencies.

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MangoPay

MangoPay** was founded in 2013 by Céline Lazorthes under the parent company Leetchi Group and later acquired by Crédit Mutuel Arkéa. It is a payment gateway specifically designed for marketplaces, crowdfunding platforms, and fintech businesses, offering a scalable and modular solution for handling payments. A distinctive feature is its escrow payment system, which allows funds to be securely held and released based on predefined conditions, making it ideal for platforms that require multi-party transactions. Its flexibility in managing complex payment flows makes it a standout choice for businesses operating in these industries.

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- Transaction fees:** Custom pricing based on volume.

- **Payment methods:** Cards, Bank Transfers, Digital Wallets.

- **Payout speed:** 1-3 days.

- **Security & compliance:** Escrow system, PCI DSS.

- **Currencies supported:** 30+ countries.

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Adyen

Adyen** was founded in 2006 by Pieter van der Does and Arnout Schuijff as a modern payment platform designed for global enterprises. It offers a unified solution that integrates in-store, online, and mobile payments. The distinctive feature of Adyen is its omnichannel payment processing which enables businesses to manage all transactions from a single platform thereby enhancing customer experience and backend reconciliation.

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- Transaction fees:** 0.6% + £0.11 for Visa/Mastercard, 3.95% + £0.11 for American Express.

- **Payment methods:** Cards, Wallets, Bank Transfers.

- **Payout speed:** 1-2 days.

- **Security & compliance:** Machine learning fraud detection.

- **Currencies supported:** 150+ currencies.

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Braintree

Braintree**, acquired by PayPal in 2013, enhances its offering with developer-friendly APIs for direct credit card processing. The distinctive feature of PayPal is its seamless integration with its own ecosystem, including PayPal Wallet and Venmo, providing a familiar and trusted payment method for consumers worldwide. With PayPal’s trust behind, Braintree has become one of the leading payment gateway that is integrated to the applications.

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- Transaction fees:** 1.9% + £0.20 all cards, 2.4% + £0.20 for American Express.

- **Payment methods:** PayPal, Cards, Venmo, Wallets.

- **Payout speed:** 1-2 days.

- **Security & compliance:** PCI DSS, fraud prevention.

- **Currencies supported:** 200+ countries.

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WorldPay

Founded in 1989 and later acquired by FIS in 2019, WorldPay** is a leading UK-based payment processor with deep banking relationships. It is widely used by businesses that require reliable, bank-backed payment processing. What makes Worldpay unique is its strong UK banking integration, offering robust solutions tailored for traditional businesses and enterprises. Being one of the oldest, it is accepted in the traditional banking sector.

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- Transaction fees:** 0.75% to 2.75% for online and in-person transactions.

- **Payment methods:** Cards, Direct Debit, Bank Transfers.

- **Payout speed:** 24-48 hours.

- **Security & compliance:** PCI DSS, fraud tools.

- **Currencies supported:** 120+ currencies.

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Checkout.com

Checkout.com**, founded in 2012 by Guillaume Pousaz, is a cutting-edge payment provider focusing on e-commerce businesses. It provides advanced fraud protection and global payment processing with high customization capabilities. Its key differentiator is its AI-driven fraud detection, ensuring maximum security and transaction approval rates.

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- Transaction fees:** 0.25% to 0.9% for debit cards and credit cards.

- **Payment methods:** Cards, Wallets, Crypto.

- **Payout speed:** Next-day.

- **Security & compliance:** AI-driven fraud protection.

- **Currencies supported:** 150+ currencies.

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Opayo

Originally launched as Sage Pay in 2001 and later acquired by Elavon in 2020, Opayo** is a well-known UK-focused payment gateway offering secure and straightforward payment solutions. Opayo's strength lies in its small-business-friendly approach, providing cost-effective solutions with excellent UK.

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- Transaction fees:** Starts at 0.99%.

- **Payment methods:** Cards, PayPal, Direct Debit.

- **Payout speed:** 1-3 days.

- **Security & compliance:** 3D Secure, PCI DSS.

- **Currencies supported:** GBP, EUR, USD, AUD, JPY, and CAD.

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GoCardless

Established in 2011 by Hiroki Takeuchi, Matt Robinson, and Tom Blomfield, GoCardless** specializes in Direct Debit payments. It is particularly effective for businesses with recurring billing needs. GoCardless stands out as the best solution for subscription and recurring payments, offering a seamless Direct Debit experience.

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- Transaction fees:** Domestic starts at 1% + £0.20, International starts at 2% + £0.20.

- **Payment methods:** Direct Debit.

- **Payout speed:**  3-5 days.

- **Security & compliance:** Bank-level security.

- **Currencies supported:** GBP, EUR, USD, SEK, DKK, AUD, NZD, and CAD.

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Square

Founded in 2009 by Jack Dorsey and Jim McKelvey, Square** started as a POS solution but has expanded into online and mobile payments. It is best known for its user-friendly interface and seamless integration with small businesses. The unique feature of Square is its comprehensive POS ecosystem, making it ideal for businesses that need both online and offline payment solutions.

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- Transaction fees:** 1.75% for each contactless, chip and PIN or swiped card.

- **Payment methods:** Cards, Wallets.

- **Payout speed:**  Next-day.

- **Security & compliance:** PCI DSS.

- **Currencies supported:** USD, GBP, AUD, CAD, JPY.

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Authorize.net

Authorize.net** was founded in 1996 and later acquired by Visa in 2010. It is a robust payment gateway focused on enterprise-grade security and fraud prevention. Its primary advantage over others is its strong fraud detection tools, making it a preferred choice for businesses prioritizing security.

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- Transaction fees:** 2.9% + $0.30, along with a $25 monthly gateway fee.

- **Payment methods:** Cards, E-checks, PayPal.

- **Payout speed:**  2-3 days.

- **Security & compliance:** Strong fraud detection.

- **Currencies supported:** USD, CAD, GBP, EUR, CHF, DKK, NOK, PLN, SEK, AUD, and NZD.

Conclusion

Integrating payment gateway is a responsible task to be undertaken by the platform. Dealing with the finance is something which requires expertise and hence the selection of the payment gateway has to be accurate. While all the above mentioned payment gateways are the best 10 payment gateways in the UK, selecting one require an assistance from the mobile app development company who would not only integrate it but, provide a consultation on how to select, which to select, and which not to select based on the requirements of the platform.