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

Which plan fits your business?
Choose the path that matches you and we'll take you to the right pricing
Transparent rates, no surprises
Card processing fees up to 34% 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
- Onboarding handled by a named account manager
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.
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.

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
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,
in production at 18,000+ 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.
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
"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."
"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."
"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."
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
*Based on a typical merchant


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