Start with a hosted checkout
A hosted checkout keeps card data entirely off your site, which dramatically reduces your PCI scope and your risk. For most small businesses it is the correct starting point regardless of long-term plans.
Understand the total cost
Online rates are higher than card-present because fraud risk is higher. Factor in the gateway fee, the per-transaction charge and any refund fee when comparing providers.
Strong Customer Authentication
SCA is mandatory for most UK online card payments. Any modern gateway handles it, but check that your checkout does not add friction for repeat customers — exemptions exist for low-value and low-risk transactions.
Want this reviewed for your business?
Send us a recent bill and a consultant from our Cardiff office will tell you, honestly, whether you are paying more than you need to.