Online Payments

SmarterPay partners with Opayo to provide customers with secure online payments.

Secure online payments from Opayo’s trusted payment gateway

When you pay for a purchase online, behind the seemingly simple process, there is a myriad of key interactions between a handful of organisations that allow your payment to be processed.

Although the transaction couldn’t occur if any of these processes were incomplete, a key and vital component that must be especially paid attention to is the payment gateway.

The payment gateway serves as the link between the consumers bank account and the merchant’s bank account. It communicates whether or not a payment has been declined or accepted and accommodates the transfer of funds between the two bank accounts.

With card payments becoming more and more prevalent and showing little signs of slowing down, if you would like to accept card payments online as a business, you’ll need a merchant bank account and a subscription to a payment gateway. SmarterPay can help set you up with both!

Payment Gateway Features and Benefits

Safe and Secure

Payment security and fraud reduction are prioritised at Opayo making sure that your customers’ data is kept secure, so you can rest easy.

Superior Customer Support

 Support queries dealt with effectively and professionally by UK-based, DBS-checked and GDPR-trained payment specialists

Fully Scalable Solutions

Payment solutions that scale easily as your business continues to grow.

Trusted Reliability

Opayo are an industry-leading gateway with 99.99% reliability so you can be confident of getting paid on time.

Partner Network

Opayo have thousands of global partners who can help you build your perfect online business.

Getting started in 5 easy steps


Getting started is easy and you don’t have to finish your application in one sitting. Create a password and complete at a time that suits you. Start your application here

Merchant Account

Support queries dealt with effectively and professionally by UK-based, DBS-checked and GDPR-trained payment specialists

Website Set-up

It’s easy to integrate Opayo into your website or use one of many Opayo partners or digital agencies to get yourself up and running. Already have a website? Check out Opayo’s list of integration methods here

Take Payments

Once integrated, do one test transaction and one test refund and validate your merchant ID’s. When successfully completed, you’re ready to start taking payments. Need a hand? Click here to talk to the Opayo Support team.

PCI Compliant

Opayo is certified to the highest level of PCI DSS Compliance at Level 1 which can in turn, reduce your compliance requirements. Find out more here.


SmarterPay Limited
Utility House
32-36 Prospect Street
Kingston Upon Hull
East Riding of Yorkshire

Contact Us

01482 240886