Retail payments made easy

No matter how you want to accept payments, our flexible, scalable, and secure payment solutions allow your customers to pay regardless of payment device or channel - mobile, online, face to face or by phone.

1. Solutions that drive conversions




Understanding that the customer journey extends through to the point of payment is crucial when it comes to increasing conversion rates. That's why our payment solutions are geared to offering your customers' more choice, convenience and simplicity.

From mobile optimised payment pages that look great on smartphones and tablets, to secure customer wallets for effortless repeat purchases, we make it easier for you to control your end to end customer experience, no matter the device.


2. Mobile first - App Vs Web payments




With more and more consumers choosing to shop on their mobile devices, providing mobile responsive pages on your website is not enough. That's why we also provide our merchants with the ability to offer seamless in-app payments through our Mobile SDK.

Featuring innovative features like 3DS Optimisation, our secure payment solutions enable you to offer frictionless payments via your website or app.

Download our Mobile SDK brochure to find out more collections


3. Reduce your PCI burden




When it comes to being able to accept payments on your website, we believe you shouldn’t have to compromise. So no matter whether you choose to build the payment experience yourself via an API, or want to outsource it using our advanced Hosted solution, we take the PCI headache out of handling card data no matter your integration preference.

Even if you choose an API solution, our CardLock product has the ability to reduce your PCI compliance by up to 57% from SAQ D to SAQ A-EP.

Download our CardLock brochure to find out more collections


4. Convert abandoned baskets




Lots of customers like to ‘window shop' adding items to their online basket without actually checking out, or getting distracted and forgetting to pay for them. But what if you could let your customers easily pick up where they left off by sending them a secure link direct to your payment page, allowing them to pay for the items they've already added to their online basket.

Well with our EmailPay product you can. In fact you can send secure payment links in a number of ways to suit your needs, SMS, Email, Live chat.

Download our EmailPay brochure to find out more collections


5. International expansion




Expanding into new markets or new territories presents a wealth of opportunity but with that comes increased exposure to fraudulent transactions and higher decline rates.

As the UK’s largest independent PSP, that's where we come in. With acquiring relations worldwide, we can help set you up with the right banking partners in your chosen territories allowing for better acceptance rates through the benefits of domestic acquiring.

But we don't stop there, our new Optimize360 platform allows you to configure bespoke rules for each market or territory you operate in, enabling you to build payment acceptance strategies according to your risk appetite.

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Payment solutions for retail

Online payments

  • Accept all major credit and debit cards
  • Reduce your PCI burden with our advanced hosted and API solutions
  • Convert abandoned baskets using tools such as EmailPay
  • Reduce chargebacks with our fraud prevention and 3DSecure tools
  • Create your own seamless app payments with our Mobile SDK

Chip & PIN machines

  • Choose from our range of Countertop Wired, Wireless, Mobile and Bluetooth terminals
  • Accept the latest contactless, ApplePay and AndriodPay payments
  • Accept over-the-counter cash and kiosk payments that integrate with your POS system
  • Extremely competitive card transaction rates and faster settlement times

Payments by Phone

  • Browser-based, easy to use functionality for your telesales staff
  • Automated touch tone and speech recognition self-service options for high volume businesses
  • Integrated with your existing back-office systems

Interested in finding out more?

Contact us

Why trust Pay360 by Capita to be your preferred payments partner?

New to card payments?

The largest UK bank independent PSP

Unlike many of our competitors we're not owned by any bank. That means we're able to partner you with acquiring banks that are right for you, not us.

So whichever territory you operate in, we have the global acquiring relations in place to help you safely scale your business internationally.

Already taking card payments?

PCI Level 1 compliant since 2005

We've led the way in Europe by being Level 1 PCI compliant, for 11 consecutive years. We've maintained the highest level of certification through every new challenge and work with our clients to help them reduce their PCI burden.

Best of all, we packed everything we know about card security into the design of our new Advanced Payments platform.

Are you an enterprise?

16+ years' processing payments

Trusted, robust, secure... these are all words our competitors use to gain their merchants trust. However we prefer to use the term 'proven'.

As well as processing secure payments for over 16 years. We've been PCI level 1 accredited since 2005, had Real-time reporting since 2005, Fraud Management since 2009 and Cash products since 2010.

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