Top UK Payment Gateways for Magento 2 Stores (2025)

Choosing the right payment gateway for your UK Magento 2 store is one of the most important decisions you'll make. The wrong choice can cost you customers, increase transaction fees, and create integration headaches. In this guide, we compare the top UK payment gateways for Magento 2 stores in 2025.

What to Look For in a UK Payment Gateway

Before comparing specific gateways, here are the key factors UK Magento 2 merchants should consider:

• SCA (Strong Customer Authentication) — Required under UK/EU PSD2 regulations. All major gateways support this but implementation quality varies.
• 3D Secure 2.0 — The modern version of 3DS, required for SCA compliance.
• Transaction fees — UK merchant rates typically range from 1.4% to 2.5% + a per-transaction fixed fee.
• Magento 2 extension availability — Some gateways have official Magento 2 extensions; others rely on third-party modules.
• Hyva Theme compatibility — If you're on or moving to Hyva, ensure the gateway's extension is Hyva-compatible.

1. Stripe — Our Top Recommendation

Stripe has become the preferred payment gateway for most UK eCommerce stores, including Magento 2. Reasons we recommend it:

• Official, well-maintained Magento 2 extension with Hyva support available
• UK merchant rates: 1.5% + 20p per transaction (European cards) or 1.5% + 20p (UK Visa/Mastercard)
• Excellent 3DS2 / SCA handling
• Apple Pay, Google Pay, and Link (1-click checkout) built in
• Stripe Radar for intelligent fraud prevention
• Clear, transparent pricing and excellent documentation

2. Klarna — Best for BNPL (Buy Now Pay Later)

Klarna's Buy Now Pay Later options have become hugely popular with UK shoppers, particularly for higher-value purchases. For Magento 2 stores selling products over £50, Klarna can significantly increase conversions.

• Official Magento 2 module available (Hyva-compatible versions exist)
• Pay in 3 instalments — free for customers, merchant pays ~0.35% + Klarna's merchant fee
• Pay in 30 days option popular for fashion and lifestyle products
• Klarna Payments also includes standard card processing

3. SagePay / Opayo — Established UK Provider

SagePay (now rebranded as Opayo and owned by Elavon) is one of the UK's longest-established payment gateways. Popular with UK merchants who've been trading for many years.

• Strong reputation and trust with UK merchants and customers
• Magento 2 integration available
• Monthly subscription pricing model (rather than per-transaction)
• UK-based customer support
• 3DS2 and SCA compliant

4. WorldPay — Best for High Volume

WorldPay (now FIS/Worldpay after various mergers) remains one of the largest payment processors in the UK, particularly popular with larger merchants and enterprise stores.

• Processes a significant portion of all UK card transactions
• Competitive rates for high-volume merchants
• Good Magento 2 integration options available
• Multi-currency support for UK stores selling internationally
• Requires negotiation for best rates at volume

5. Braintree (PayPal) — Best for PayPal Users

Braintree is PayPal's developer-friendly gateway, offering a modern API alongside traditional PayPal. For stores where a significant portion of customers prefer PayPal, Braintree is worth considering.

• Includes PayPal, Pay Later, Venmo (US), and card payments in one integration
• Official Magento 2 extension with Hyva support
• PayPal's brand recognition drives trust and conversions
• 0% transaction fee when accepting PayPal (PayPal's standard rates apply to cards)

6. Checkout.com — Best Modern API

Checkout.com is a newer UK-founded gateway that's gained significant traction with tech-forward merchants. Strong developer experience and competitive rates.

• Modern REST API with excellent documentation
• Competitive rates for UK merchants
• Strong fraud prevention tools
• Magento 2 integration available
• Popular with D2C brands and subscription businesses

Which Payment Gateway Should You Choose?

For most UK Magento 2 stores, we recommend:

• Stripe as your primary card gateway — best developer experience, competitive rates, excellent Magento 2 integration
• Klarna as an additional BNPL option — especially for average order values above £50
• PayPal/Braintree as a secondary option — some customers specifically want to pay via PayPal

Our team at Magento Services UK handles all payment gateway integrations for Magento 2 and Hyva Theme. We ensure full SCA compliance, proper 3DS2 handling, and a seamless checkout experience. Get in touch to discuss your payment gateway requirements.

See more payment integration examples at our global site: magento-services.com.