Merchant Services from Sage Pay
To start accepting card payments from customers, you will need a payment gateway and merchant account. A merchant account will allow you to receive funds and authorise card details to ensure the cardholders have sufficient funds.
Sage Pay offers a comprehensive package that includes both a payment gateway and merchant account, making it easier for businesses to start trading. Alternatively, businesses can choose to use their own existing merchant account.Key benefits
All-in-one solution to accept payments
Pay only for settled transactions
Competitive transaction charges
No long term contracts
Pricing overview
Depending on how you would like to accept payments, you will need one or more merchant accounts. Our online application process will take you through the relevant steps.
Merchant Accounts for Ecommerce Payments and Telephone/Mail Order Payments (MOTO)
| Price | |
| Personal credit cards (MasterCard and Visa) | 2.5% |
| Debit card (Visa debit, Electron and domestic Maestro) | 40p |
| 3D Secure (Verified by Visa & MasterCard SecureCode) | Free |
| Transactions processed without 3D secure will incur a premium charge | 0.5% for credit cards 0.10p for debit cards |
| Commercial, purchasing & business cards | 2.5% + 0.01% to 1.1% premium |
| AMEX | Starting at 1.68% |
| Diners Club | On request |
| JCB | On request |
| Minimum monthly service fee | None |
| Authorisation charges | None |
| Refund fee | None |
No minimum terms — 3 months cancellation notice
Local European Payment Merchant Account for Ecommerce Payments
| Price | |
| Set up fee (one off) | £15 |
| Local European payment monthly fee | £20/month |
| ELV transaction fee | 1% |
| Sofort transaction fee | 2% |
| Giropay transaction fee | 2% |
| EPS transaction fee | 3.5% |
| iDEAL transaction fee | 2% |
No minimum terms - 3 months cancellation notice
PayPal Merchant Account for Ecommerce Payments
| Minimum monthly service fee | None |
| Set up cost | None |
| Monthly sales | Fee per transaction |
| £0 - £1,500 | 3.4% + 20p |
| £1,500.01 - £6,000 | 2.9%* + 20p |
| £6,000.01 - £15,000 | 2.4%* + 20p |
| £15,000.01 - £55,000 | 1.9%* + 20p |
| Above £55,000 | 1.4%* + 20p |
Merchant Accounts for Card Terminal Payments
| Price | |
| Credit card processing (MasterCard and Visa) | 1.99% |
| Debit card processing (Visa debit, Electron and domestic Maestro) | 25p |
| Commercial, purchasing & business cards | 1.99% + 0.01% to 1.1% premium |
| AMEX | Starting at 1.68% |
| Diners Club | On request |
| JCB | On request |
| Minimum monthly service fee | None |
| Authorisation charges | None |
| Refund fee | None |
3 months cancellation notice. However, a 12 month agreement will apply for your card processing terminal.
PCI DSS compliance fees
When signing up for Sage Pay Merchant services, it is mandatory that your business will need to become PCI DSS compliant. You are able to do this through Trustwave's Trustkeeper portal. Read more about PCI DSS compliance
| If you are not PCI DSS compliant, you can do this through Trustwave | If you are already compliant, your certificate can be registered for a small fee |
| £120/annual fee | £20 |
Non PCI DSS compliance after 3 months of signing up will incur a £17/month surchage until you become compliant.
Apply online or call 0845 111 44 66
What will happen after I apply?
- You will need to print and sign your merchant account application form and return this to us with some supporting information to confirm your business and identity. (See Merchant Account Set Up guide)
- The merchant account application process can take 10-15 working days (if all documents are submitted in a timely matter)
- Once your application is complete, we will notify you of your new merchant account number (merchant ID). We will also provide instructions for you to start trading.
What if I already have a Sage Pay account?
Existing Sage Pay customers using merchant services from another merchant bank can apply to switch for a Sage Pay merchant account.
