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Secure Payment Gateway

The solution has been designed with flexibility in mind and so that a CardPayGo Subscription allows the Merchant to adapt their payment systems to reflect their business model.

Accept Payments Online

Global reach

Payment Gateway on Desktop or a Mobile Device

Quick Set-Up

Integrate easily into numerous shopping carts with ease. 

Quick Set-Up

Pay By Email Links & Powerful Payment Tools

How it works...


An online Payment Gateway is the mechanism that sits between your consumer and you as the Merchant. The online Payment Gateway will authorise or decline a card payment – these include whether there are sufficient funds available, whether the details all matched correctly and if there has been any fraudulent activity. In order to check these details, the Payment Gateway will liaise with the Card Schemes and Issuing Banks within milliseconds and report back with its findings and a relevant transaction response.

The Card Payment Process

Customer Order

The customer places an order via your website for goods or services. The customer’s credit card details are captured securely by CardPayGo. This can either be via our hosted forms, sent via our secure API or using our interactive payment tools.


The credit card details are securely transmitted to your merchant bank. The merchant bank sends the credit card details to the customer’s card issuer who authorises or declines the transaction. The merchant bank then sends the transaction results back to CardPayGo.


CardPayGo sends confirmation of this instantly. The customer purchasing the goods can see this on-screen and notification is also sent to the merchant. Our online merchant management system allows you to view all transactions online.

Low Cost Card Processing Fees

We are competitively priced and promise to match any other service provider. Our pricing is clear and transparent with a monthly fee of £18 per month, this includes 350 transaction free every month. Any additional transaction over your free allowance is charged at a low rate of 9.9p per transaction. This works out to be a super low rate of 6p for each transaction.*

Built for developers

Easy to integrate with clean robust scripts & powerful API’s.

Increase Cashflow

Get paid quicker for customers with our payment gateway tools including the ‘Pay Now’ button.

Safe & Secure

Advanced and secure Level 1 PCI:DSS compliant online payment processing systems.

Disrupting the Payment Services Industry

We have strong relationships with leading acquiring banks providing our customers with choice and cost effective online payment solutions.



Hosted Form

In order to make the Hosted Form process a little more seamless for the cardholder, we are able to fully customise the payment page. Either the merchant can supply us with full CSS design or we can simply apply a customised header and footer with your company logo to the page.

Mobile Apps

With mobile technology and applications becoming more popular and part of everyday commerce, CardPayGo have embraced m-commerce and have the ability to process payments across these devices.

Direct Integration

With direct integration, your website (complete with SSL certificate) payment pages capture the cardholders personal and credit card details and then forwards these behind the scenes to the secure CardPayGo Payment Gateway.

Payment Modules

To help our merchants integrate with our Payment Gateway we have taken the time to create plugins for various systems, these are provided as is under a GPL licence.

Fraud Management Tools

Customisable fraud management tools that provide the Merchant with the ability to dictate the levels to which the Merchant’s account will automatically check transaction authenticity.

PDQ Transactions

For any face-to-face card transaction, a PDQ device is required in order to authenticate the transaction using the cardholders PIN. CardPayGo is able to supply a wide range of PDQ terminal devices,

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