LIMITED OFFER: Switch by June 30th and get 3 months free card machine rental + waived setup fees (worth £299)
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UK Payment Gateway
for Small Business.

Save 34% vs Stripe*

Take card payments in store, online and over the phone. Card machines from £25/month, online payments at 0.99% blended (or IC++ from 0.49% once you're over £200k turnover), and a UK support team that actually picks up.

  • Card machine for small business, from £25/month
  • Online payments · 0.99% blended (IC++ from 0.49% above £200k)
  • FCA-authorised acquirer · next-day settlement

*34% based on ATV of £50 and total monthly transactions of £10k

Payment received
+£1,247.50
Settles tomorrow
Monek mobile app showing live UK card transactions
18,000+
Active Merchants
Growing daily
26+
Years in Payments
Since 1998
£5.2bn
Processed in 2025
And counting
99.99%
Uptime SLA
Always on
<2min
Support Response
UK-based team
Built for businesses like these · 18,000+ merchants process with Monek

Transparent rates, no surprises

Card processing fees up to 34% lower than Stripe and WorldPay

Most popular
Growing Business
Under £200,000 annual turnover
0.99%
blended rate · UK credit & debit card processing
  • International cards & Amex on request
  • Terminals from £25/month
  • Free next working day delivery
  • UK-based support team
Get started
Established Business
Over £200,000 annual turnover
Bespoke
pricing · Market-leading bespoke rates
  • IC++ interchange-plus-plus
  • Dedicated account manager
  • Monthly rolling contract
  • Free next working day delivery
  • Onboarding handled by a named account manager
Get started

Accepted payment methods

Visa
Mastercard
American Express
PayPal
Apple Pay
Google Pay
JCB
Discover

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.

Fast Auth

Sub-100ms auth times. Last year's uptime was 99.99%.

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.

Realtime 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.

Monek payments dashboard on a smartphone

Manage everything from the palm of your hand

All-in-one dashboard

Real-time transaction monitoring and reporting from one place

Real People, Real Help

UK-based support team ready to assist whenever you need guidance

PCI DSS Level 1

Audited annually. Multi-factor auth on the portal

Log in to your portal

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?

Developer-first API

Built for developers,
in production at 18,000+ businesses

Clean REST API accepting standard form-encoded POST requests. Integrate card payments in hours. No SDKs required.

REST API
Simple form-encoded POST. Works in any language
🔒
PCI Compliant
Level 1 PCI DSS certified infrastructure
🔔
Webhooks
Real-time notifications for every transaction
🧪
Sandbox
Full test environment with test card numbers
payment.pySANDBOX
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"])  # AUTHORISED
Sandbox mode. No real transactions

See how much you could save

Select your current provider and get an instant personalised comparison

£10k£15,000£100k+
£5£50£500
Stripe rates
Personal Debit1.50%
Personal Credit1.50%
Business Credit1.50%
Business Debit1.50%
Foreign / Non-UK3.25%
Per-transaction fee£0.20
Monek rates · Growing Business
Personal Debit0.99%
Personal Credit0.99%
Business Credit1.99%
Business Debit1.99%
Foreign / Non-UK2.99%
Per-transaction fee£0.05
Stripe
£285/mo
£3,420/year
With Monek
£188/mo
£2,256/year
Monthly savings
£98
34% cheaper
Annual savings
£1,176
over 12 months
Cost reduction
34%
lower fees
Transactions/mo
300
at £50 avg
💷 Start saving, get custom pricing

Based on typical UK card mix. Competitor rates last verified 2026-05-19. *Takepayments is quote-based; rate shown is indicative.

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.

  • Complete REST API documentation
  • Webhook support for real-time events
  • Sandbox environment for testing
  • Code examples and tutorials
  • Dedicated developer support

Client stories

Used by UK businesses since 1998

A few examples of what merchants have said about Monek

HI
Hair By Imad
Hair & beauty, Lichfield
"I can highly recommend Monek Ltd. I have been a customer now for a while and I have always been impressed with the quality of the service and the team to be hard working, friendly, professional and committed to doing a fantastic job."
Imad
Owner, Hair By Imad
RB
Radisson Blu
Hospitality
"Having full PCI and client card integrity the Monek link-up and comprehensive assistance while dealing patiently with our many inquiries and risk assessments has given us the full web-based functionality we were looking for."
Ciaran
Radisson Blu
T2
T2 Merchant Solutions
Acquiring partner
"The simplicity and speed to on-boarding a merchant through the Monek platform is changing the way we work. We are having merchants from application stage to terminal delivery the very next day. It's a true case of onboarding meets 21st century."
Tim
T2 Merchant Solutions
Join the 18,000+ UK businesses processing payments with Monek
Start your success story

Trusted & Regulated

FCA
Authorised Payment Institution
FCA Reference Number: 920628
Level 1 Service Provider
Level 1 Service Provider
PCI Level 1, v4.01 · Certified by Trustwave
Information Security Certified
Information Security Certified
Audited by ISOQAR · cert. 19948-ISMS-001
Certified Plus
Certified Plus
Certified by IASME · National Cyber Security Centre
UK Call Centre · GDPR Compliant
UK Call Centre · GDPR Compliant
ICO registered ZA244482
Monek UK support team
UK support since 1998

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.

<2min
Avg response time
100%
UK-based agents
Mon–Fri
Office hours
26+
Years experience
Talk to support

Start saving on payment fees today

Join 18,000+ UK merchants who switched to Monek and saved an average of £3,700 per year compared to Stripe.
Save 34%*
Lower fees than Stripe
<10 mins
Go live fast
Next day
Receive your money
Free UK
Support included

No setup fees · No long-term contracts · Free UK support · Next-day onboarding

*Based on a typical merchant