UK Payment Gateway
for Small Business.
Save 36% vs Stripe
Take card payments in store, online and over the phone. Card machines for small business from £25/month, online payments from 0.99%, and a UK support team that actually picks up.
- Card machine for small business, from £25/month
- Accept payments online UK, from 0.99%
- FCA-authorised acquirer · next-day settlement
Which plan fits your business?
Choose the path that matches you and we'll take you to the right pricing
Retail
Hospitality
Universities
Food & Beverage
Insurance
Professional ServicesTransparent rates, no surprises
Card processing fees up to 36% lower than Stripe and WorldPay
- International cards & Amex on request
- Terminals from £25/month
- Free next working day delivery
- UK-based support team
- IC++ interchange-plus-plus
- Dedicated account manager
- Monthly rolling contract
- Free next working day delivery
- White-glove onboarding
Accepted payment methods
Plus Pay-by-Link, recurring payments, MOTO, and 135+ international currencies
Platform Features
A complete payment infrastructure built for UK businesses, from start-up to enterprise.
API Integration
Form-encoded REST. No SDKs to install, sandbox keys ready in under a minute, and the docs actually work.
Card Machines
PAX terminals, configured before they ship. They talk to the same dashboard as your online payments.
E-commerce Ready
Plugins for Shopify, WooCommerce and Magento. Or wire it up yourself in an afternoon.
Lightning Fast
Sub-100ms auth times. Last year's uptime was 99.99%.
Bank-Level Security
PCI DSS Level 1, audited annually. 3-D Secure 2 runs on every card-not-present transaction, with fraud rules you can tune from the portal.
Smart Analytics
Realtime dashboards for settlements, refunds, declines and approval rates. Export to CSV or Xero whenever you need.
Global Payments
135+ currencies. Settle in GBP.
Mobile First
iOS and Android SDKs. Pay by Link works without an app at all.
Manage everything from the palm of your hand
User Friendly
Intuitive dashboard with real-time transaction monitoring and reporting
Real People, Real Help
UK-based support team ready to assist whenever you need guidance
Bank-Grade Security
PCI DSS Level 1 compliant with multi-factor authentication
Accept payments everywhere
All your payment channels in one place
From in-store terminals to online checkout, we support every way your customers want to pay
Payment Terminals
Face-to-face payments on PAX terminals.
Contactless, Chip & PIN, Apple Pay, Google Pay. Same dashboard as your online channel.
E-commerce Plugins
Plugins for the platforms you already use.
Shopify, WooCommerce, Magento.
Embedded Payments
White-label payments embedded into your software.
Native Xero integration included.
Virtual Terminal & Call Centre
Secure MOTO and virtual terminal payments for phone and back-office teams.
PCI DSS compliant. No card machine required.
Developer APIs
Build payment flows on our REST API.
Webhooks, full sandbox, language-agnostic.
Pay by Link
Email or SMS a link, get paid.
No website needed.
Need help choosing the right solution for your business?
Built for developers,
loved by businesses
Clean REST API accepting standard form-encoded POST requests. Integrate card payments in hours. No SDKs required.
import urllib.request, urllib.parse, json
GATEWAY = "https://elite.monek.com/Secure/Transact.ashx"
payload = {
"MerchantID": "YOUR_MERCHANT_ID",
"ApiKey": "YOUR_API_KEY",
"MessageType": "ESALE_KEYED",
"Amount": "1000",
"CurrencyCode": "826",
"CountryCode": "826",
"Dispatch": "NOW",
"ResponseAction": "JSON",
"CardNumber": "4012001037141112",
"ExpiryMonth": "12",
"ExpiryYear": "26",
"CV2": "123",
"CardholderName": "Test Cardholder",
"QAAddress": "123 Test Street",
"QAPostcode": "TE1 1ST",
"PaymentReference": "ORDER-001",
}
data = urllib.parse.urlencode(payload).encode("utf-8")
req = urllib.request.Request(GATEWAY, data=data, method="POST")
with urllib.request.urlopen(req, timeout=30) as resp:
result = json.loads(resp.read().decode("utf-8"))
print(result["result"]["responseMessage"]) # AUTHORISEDSee how much you could save
Select your current provider and get an instant personalised comparison
Based on typical UK card mix. Competitor rates last verified 2026-05-19. *Takepayments is quote-based; rate shown is indicative.
How Monek compares to the rest
We built Monek to be the most competitive payment gateway in the UK. Here's how we stack up.
| Feature | Best value Monek | Stripe | Adyen | Checkout.com |
|---|---|---|---|---|
| Card transaction fee | From 0.49% + 3p | 1.5% + 20p | 0.60–1.20% + 13p | Custom pricing |
| UK debit cards | From 0.49% | 1.50% | 0.60% | Custom |
| UK credit cards | From 0.79% | 1.50% | 0.80% | Custom |
| Per-transaction fee | From 3p | 20p | 13p | Custom |
| Monthly fee | £0 | £0 | From £200/mo | £0 |
| Setup fee | £0 | £0 | £500+ | £0 |
| Onboarding time | Live in 24 hours | 2–3 days | 2–4 weeks | 3–5 days |
| Settlement speed | Next day | 2–7 days | T+1 | T+1 |
| 100% UK Support | ||||
| FCA regulated | ||||
| Free card machines |
Join 18,000+ merchants who've already made the switch
Real businesses, real savings
Here's what our merchants say about making the switch
Quotes anonymised at the merchant's request. Photos are illustrative.
"We were paying Stripe nearly £800/month. With Monek, we're down to £490 for the same volume. That's £3,700 a year back in our business."
"The difference is night and day. When we had an issue with Stripe, it took 3 days to get a response. With Monek, I get someone in the UK within minutes."
"We switched from Worldpay and got approved in 24 hours. Our old provider took 3 weeks. Monek's onboarding is genuinely impressive."
Integrate everywhere
Built for developers and businesses
Choose the integration method that works best for your business
Developer-friendly APIs
Build exactly what you need with our flexible RESTful APIs and comprehensive SDKs.
- Complete REST API documentation
- SDKs for Python, Node.js, PHP, Ruby, .NET
- Webhook support for real-time events
- Sandbox environment for testing
- Code examples and tutorials
- Dedicated developer support
Client stories
Trusted by businesses worldwide
See how companies are growing with Monek's payment infrastructure
"Switching to Monek reduced our payment processing costs by 47% while improving transaction success rates. The API integration was seamless."
"The developer experience is outstanding. We integrated Monek into our platform in under a week. Their webhook system is reliable and well-documented."
"Multi-currency support and local payment methods helped us expand into 15 new markets. Monek scaled effortlessly as we grew."
Trusted & Regulated
British support team. Real people, no bots.
Our UK-based support team is here when you need them. Same-day response, no overseas call centres, and a dedicated account manager for every merchant. Twenty-six years of merchant acquiring expertise on tap.
Start saving on payment fees today
No setup fees · No long-term contracts · Free UK support · Next-day onboarding
No credit card required · 5 minute setup · Switch in 24 hours