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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.

Real-time information

Get instant information on transactions and download history.

Global reach

We provide payment processing services in 164 currencies.

Quick Set-Up

Integrate easily into numerous shopping carts with ease. 

Secure Payment Gateway

Secure Payment Processing

Secure Payment Processing

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

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.

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Its features include, but are not limited to, the following:

Virtual online terminals, accessible from anywhere in the world by means of any internet connection (navigation speed will be directly proportional to the connection speed used).

Multiple user identities with variously restricted access levels ranging from Sales Staff through to Management.

Manual payment and refund transaction functions for purchases made online, mail, telephone or fax orders, or with cardholder present (e.g. high street shop).

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.

Failed transaction reporting and logging function enabling the Merchant to chase up potential lost sales. This helps Merchants to further mitigate fraud and manage it in the event it does occur.

Customisable transaction summary downloads for specific time period. Downloadable data reports for individual transactions.

Access to historical data reports for every transaction processed, each data report is available for up to 180 days from the processing date of each individual transaction.

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