In the fast-paced world of business, especially for small enterprises, having the right payment processor can make all the difference. In 2025, UK payment processors are stepping up their game, offering a variety of features tailored to meet the needs of small businesses. From ease of use to security, these processors are essential for managing transactions efficiently. Let’s take a look at some of the best options available to help small businesses thrive in the evolving digital landscape.

Key Takeaways

• Checkout.com offers global payment solutions with a strong focus on security.
• Stripe is known for its developer-friendly tools and seamless integration.
• PayPal remains a popular choice due to its wide acceptance and user trust.
• Square provides an all-in-one solution for payments, including POS systems.
• Adyen stands out for its ability to handle multiple currencies and payment methods.

1. Checkout.com

Okay, let’s talk about Checkout.com. I remember when they first popped up – seemed like everyone was talking about them. They’ve definitely made a name for themselves in the payments world. Checkout.com is a big deal for businesses that need to handle payments from all over the globe.

I think what sets them apart is their focus on larger businesses and their ability to handle complex payment setups. They’re not really aimed at the small mom-and-pop shop just starting out; they’re more for companies dealing with bigger volumes and international transactions. They’ve got some serious tech behind them, which is why they’re considered one of Europe’s major trends in payment processing.

Here’s a quick rundown of what they bring to the table:

• Global reach: They operate in a ton of countries and handle a bunch of different currencies.
• Fraud prevention: They’ve got some pretty advanced systems to stop bad guys from messing with your money.
• Data and insights: They give you a lot of information about your transactions so you can make smarter decisions.

Checkout.com is a solid choice if you’re a larger business needing a robust and scalable payment solution. They might be overkill for smaller operations, but if you’re dealing with international payments and high transaction volumes, they’re worth a look.

2. Stripe

Stripe is a big name, and for good reason. It’s known for being developer-friendly and super customizable. If you’re running a business that needs a lot of flexibility in how you handle payments, Stripe is often a top pick. It’s not just for tech companies, though; plenty of small businesses find it works great for them too.

Stripe handles a ton of different payment methods, which is great if you’re selling internationally. It also has tools to help with things like fraud prevention and subscription management. The pricing can be a bit complex, so it’s worth spending some time to figure out what it will actually cost you.

I remember when my friend Sarah started her online store. She was torn between a couple of different payment processors, but she ultimately went with Stripe because she liked how easy it was to integrate with her website. She said the documentation was really clear, and she was able to get everything set up without too much trouble. Plus, she liked that it could grow with her business as she added more features.

Here’s a quick look at some of the things Stripe offers:

• Accepts a wide range of payment methods
• Strong focus on security
• Good for businesses that need custom solutions

3. PayPal

PayPal is a name most people know, and it’s still a big player in the payment processing world. It’s been around for ages, and lots of people already have a PayPal account, which can make things easier for customers. PayPal boasts a user base of over 9 million merchants.

One of the good things about PayPal is that it’s pretty versatile. You can use it for online payments, in-person transactions (with a card reader), and even send invoices. Plus, it integrates with a bunch of different e-commerce platforms, so it’s not too hard to set up. They also offer business loans to help your business grow.

Here’s a quick rundown of some of the pros and cons:

• Wide acceptance: Many customers trust and use PayPal.
• Easy integration: Works with most e-commerce platforms.
• Versatile: Supports online, in-person, and invoice payments.
• Dispute resolution: Offers a process for handling customer disputes.

However, some users have complained about their customer service and account holds. It’s worth doing your research and reading reviews to see if it’s the right fit for your business. Also, be sure to compare merchant service providers to see if PayPal is the best option for your business.

PayPal also owns Venmo, which is popular in the US.

4. Square

Square is a pretty common name these days, especially if you’re running a small business. I see them everywhere, from coffee shops to craft fairs. They’ve made a name for themselves by offering a simple, all-in-one solution that’s easy to get started with.

Square’s appeal is that it combines hardware, software, and payment processing into a single package. You get the card reader, the point-of-sale app, and the ability to accept payments all from one company. It’s designed to be user-friendly, which is a big plus if you’re not super tech-savvy. They also have a decent online payment processor that integrates well with their POS system.

One thing I appreciate about Square is their transparency. Their pricing is straightforward, and you know exactly what you’re paying for. There aren’t a lot of hidden fees or complicated contracts to worry about, which is a relief when you’re trying to manage everything else that comes with running a business.

Here’s a quick rundown of some of the things Square offers:

• Point-of-Sale (POS) System: Manage sales, inventory, and customer data.
• Hardware: Card readers, registers, and other devices to accept payments.
• Online Payments: Accept payments through your website or online store.
• Invoicing: Send and manage invoices for your customers.

Square’s pricing is generally a flat rate per transaction, which can be good for businesses with consistent sales volumes. However, if you have very low or very high transaction volumes, it might be worth comparing their rates to other processors to see if you can get a better deal. I know a few people who switched because they found a better rate once their business grew, so it’s always good to shop around.

5. Adyen

Adyen is another big player, and they’re known for working with some pretty huge companies. They offer a unified platform, which means you can manage payments across different channels and countries all in one place. It’s a solid choice if you’re aiming for serious growth and need a system that can handle complexity.

One thing that stands out about Adyen is their focus on data. They give you a lot of insights into your payment data, which can help you make better decisions about your business. They also have pretty robust fraud protection, which is always a plus.

Adyen can be a bit more complex to set up than some of the other options, so it might be better suited for businesses that already have some experience with payment processing or have a dedicated tech team.

Adyen supports various payment methods, including credit cards, debit cards, and local payment options. This is especially useful if you’re selling to customers in different parts of the world. They also offer features like recurring billing and subscription management.

Here’s a quick look at some of the things Adyen brings to the table:

• Unified platform for all payment channels
• Advanced data analytics and reporting
• Robust fraud protection
• Support for global payments

6. Worldpay

Worldpay is a pretty big name in the payment processing world, and they’ve been around for a while. They’re now part of FIS, which makes them even bigger. For small businesses in 2025, Worldpay could be a solid option, especially if you’re already dealing with a decent volume of transactions. They handle a lot, from online payments to in-store processing, which is convenient if you’ve got both going on.

One thing to consider is that Worldpay often works best for businesses that aren’t exactly tiny startups. Their pricing and contract structures can be a bit more complex than some of the other options out there, so it pays to do your homework. But if you’re looking for a processor that can handle a lot of volume and has a good reputation, they’re worth checking out. They’ve even received recognition for being the Best Performing Gateway and having the Fastest Transactions, which is always a plus.

Worldpay offers a range of services, including payment gateway, merchant accounts, and point-of-sale (POS) systems. They also provide fraud protection and reporting tools, which can be helpful for managing risk and tracking your business performance.

Here’s a quick rundown of some potential benefits:

• Wide range of payment options accepted
• Global reach for international transactions
• Scalable solutions as your business grows

7. SumUp

SumUp has become a popular choice for small businesses, especially those needing a simple and mobile payment solution. They offer a range of card readers and point-of-sale systems designed to be user-friendly and affordable. It’s a solid option if you’re just starting out or need something that’s easy to manage on the go.

SumUp’s appeal lies in its straightforward pricing and ease of use. There aren’t any monthly fees, which is great for businesses that are just getting off the ground or have fluctuating sales. You only pay a transaction fee, making it easy to predict your costs. Plus, their card readers are compact and connect wirelessly to your smartphone or tablet, turning it into a mobile payment terminal. This is super handy for markets, pop-up shops, or any business that isn’t tied to a fixed location.

SumUp is known for its focus on simplicity and accessibility, making it a good fit for businesses that don’t want to deal with complicated setups or contracts. They also offer features like invoicing and basic reporting, which can help you manage your finances more efficiently.

Here are some of the things that make SumUp stand out:

• No monthly fees: You only pay per transaction.
• Mobile card readers: Accept payments anywhere with a smartphone or tablet.
• Easy setup: Get started quickly without complicated contracts.

SumUp also integrates with other business tools, which can streamline your operations. For example, you can connect it to accounting software or e-commerce platforms to keep your finances organized. They also prioritize security, using encryption and adhering to data protection regulations to keep your transactions safe. If you’re looking for a simple and reliable payment solution, SumUp is worth considering.

8. GoCardless

GoCardless specializes in direct debit payments, making it a solid choice for businesses that rely on recurring payments. Think subscriptions, memberships, or any service where customers pay regularly. It’s pretty straightforward to set up, and it integrates with a bunch of accounting and business software, which is always a plus.

One of the big advantages is that GoCardless automates payment collection, reducing the hassle of chasing invoices. It’s designed to handle the complexities of direct debit schemes in different countries, which is useful if you’re dealing with international customers.

Here’s a quick rundown of why some businesses might pick GoCardless:

• Automated payment collection
• Integration with popular accounting software
• Support for international direct debit schemes

Late payments can really hurt small businesses. According to a report, 60% of UK small businesses feel that late payments are holding them back. GoCardless aims to tackle this issue head-on by making it easier to collect payments on time. late payments are a big problem.

While it might not be the best fit for every type of transaction (like one-off purchases), GoCardless is definitely worth considering if recurring payments are a core part of your business model.

9. Revolut Business

Revolut Business has become a popular choice for small businesses, especially those dealing with international transactions. It’s not just a payment processor; it’s more like a complete financial platform. I’ve seen a lot of small business owners switch over because of the multi-currency support and the ability to manage finances in one place. It’s pretty handy, especially if you’re tired of juggling multiple accounts and platforms.

Revolut Business offers a range of features designed to simplify business finances.

Here’s what I like about it:

• Multi-currency accounts: Hold and manage money in various currencies. This is a lifesaver for international transactions. multi-currency accounts
• Business cards: Physical and virtual cards for employees, with spending controls.
• Integrations: Connects with popular accounting software like Xero and QuickBooks.

I’ve heard some people say that Revolut Business can be a bit overwhelming at first, with all the features it offers. But once you get the hang of it, it can really streamline your financial operations. It’s worth taking the time to explore all the tools and see how they can benefit your business.

It’s worth checking out if you’re looking for a modern, all-in-one financial solution for your small business.

10. Zettle and more

Okay, so we’ve covered a bunch of the big names in payment processing, but the world doesn’t stop there! There are always other options popping up, and some established players are constantly evolving. Let’s take a quick look at Zettle and some other solutions you might want to consider for your small business in 2025.

Zettle, now part of PayPal, is a solid choice, especially if you’re after a simple and mobile-friendly POS system. It’s super easy to get started, and their card readers are pretty sleek. But, it’s not the only game in town.

Don’t forget to shop around and compare features and fees before making a decision.

Here are a few other payment solutions that might be worth a look:

• Revolut Business: If you’re already using Revolut for your personal banking, their business accounts and payment processing options could be a good fit. They offer competitive exchange rates and a range of features for international businesses.
• SumUp: Another popular mobile POS system, SumUp is known for its ease of use and affordable card readers. They’re a great option for businesses that need a simple and portable payment solution.
• Zoho Checkout: Zoho Checkout makes it easier to collect online payments. Zoho Checkout allows businesses to receive online payments instantly and in a recurring fashion.

It’s important to remember that the best payment processor for your business will depend on your specific needs and requirements. Consider factors like transaction volume, average transaction size, international sales, and the types of payments you accept when making your decision.

And hey, keep an eye out for new players and innovations in the payment processing space. Things are always changing, and there might be a perfect solution out there that you haven’t even heard of yet!

Final Thoughts on Choosing the Right Payment Processor

In the end, picking the right payment processor for your small business in the UK is all about finding what fits your needs best. With so many options out there, it can feel overwhelming. But remember, it’s not just about the fees or the features. Think about how each processor aligns with your business goals and customer experience. Whether you’re looking for something simple or a bit more advanced, there’s a solution for you. Take your time, do your research, and don’t hesitate to reach out for help if you need it. The right choice can make a big difference in how smoothly your business runs.

Frequently Asked Questions

What is a payment processor?

A payment processor is a service that helps businesses accept payments from customers. They handle the transactions and make sure the money is transferred securely.

Why should small businesses use a payment processor?

Small businesses should use a payment processor because it makes it easier to accept payments, whether online or in person. It also helps keep customer information safe.

How do I choose the right payment processor for my business?

To choose the right payment processor, consider factors like fees, features, customer support, and how easy it is to use. It’s good to compare different options.

Are there any fees associated with payment processors?

Yes, most payment processors charge fees for their services. These can include transaction fees, monthly fees, or setup fees. It’s important to check these before signing up.

Can I use multiple payment processors?

Yes, many businesses use more than one payment processor to give customers more options for payment. This can help increase sales.

What security measures do payment processors have?

Payment processors usually have strong security measures, like encryption and fraud detection systems, to protect customer information and prevent unauthorized transactions.