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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
FCA Authorised · FRN 920628
Payment Amount
£1,247.50
Verified
Processing fee£12.48
Settlement timeNext day
You receive£1,235.02
Accepted:VisaMastercardAmexApple PayGoogle Pay
💷
Save £449/month vs Stripe
Based on £25k monthly turnover
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 36% 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
  • White-glove onboarding
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.

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.

Monek payments dashboard on a smartphone

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

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,
loved by 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£25,000£100k+
£5£30£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 · Established Business
Personal Debit0.49%
Personal Credit0.79%
Business Credit1.59%
Business Debit1.59%
Foreign / Non-UK2.75%
Per-transaction fee£0.03
Stripe
£542/mo
£6,504/year
With Monek
£200/mo
£2,400/year
Monthly savings
£342
63% cheaper
Annual savings
£4,104
over 12 months
Cost reduction
63%
lower fees
Transactions/mo
833
at £30 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.

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
StripeAdyenCheckout.com
Card transaction feeFrom 0.49% + 3p1.5% + 20p0.60–1.20% + 13pCustom pricing
UK debit cardsFrom 0.49%1.50%0.60%Custom
UK credit cardsFrom 0.79%1.50%0.80%Custom
Per-transaction feeFrom 3p20p13pCustom
Monthly fee£0£0From £200/mo£0
Setup fee£0£0£500+£0
Onboarding timeLive in 24 hours2–3 days2–4 weeks3–5 days
Settlement speedNext day2–7 daysT+1T+1
100% UK Support
FCA regulated
Free card machines
Example Business
£0/month
Average monthly turnover
With Stripe
£0/month
In processing fees
With Monek
£0/month
Save £330/month (39% cheaper)
Switch to Monek today →

Join 18,000+ merchants who've already made the switch

🎯 Why merchants 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.

39% cost reduction
"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."
Finance Director, multi-location retail business
Finance Director
Multi-location Retail Business
UK-based support
"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."
Operations Manager, e-commerce business
Operations Manager
E-commerce Business
Next-day approval
"We switched from Worldpay and got approved in 24 hours. Our old provider took 3 weeks. Monek's onboarding is genuinely impressive."
Founder, UK online retailer
Founder
Online Retailer
2,400+
Merchants switched in 2024
£4.2M
Total savings vs Stripe

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

RP
RetailPlus
Retail
"Switching to Monek reduced our payment processing costs by 47% while improving transaction success rates. The API integration was seamless."
Sarah Mitchell
CTO
47%
cost reduction
TF
TechFlow Solutions
SaaS
"The developer experience is outstanding. We integrated Monek into our platform in under a week. Their webhook system is reliable and well-documented."
James Chen
Head of Engineering
99.99%
uptime
GM
GlobalMarket
E-commerce
"Multi-currency support and local payment methods helped us expand into 15 new markets. Monek scaled effortlessly as we grew."
Maria Rodriguez
VP of Operations
135+
currencies
Join thousands of 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 36%
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

No credit card required · 5 minute setup · Switch in 24 hours