Payment Processing.
Built for Growth.

Specialist UK payment solutions for high-risk and high-volume industries, complex billing models, and multi-channel operations. 

Built For Big Business

UK Based

Direct UK Account Manager

No Long Term Contracts

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Payment Processing - Open Banking - Digital Media Technology Solutions

Payments Processing Calculator

Which Processor Is Cheapest?
UK card processing · monthly estimate

Which processor is cheapest?

Enter your monthly transactions and average treatment value to see what Dojo, Stripe and PayHQ would cost you each month — set alongside what you're paying now.

Monthly total, side by side

Rates shown are each provider's headline in-person/blended rate as published in August 2026 and will vary by contract, volume and card mix — treat this as a planning estimate, not a quote. Figures are editable above if your negotiated rate differs. PayHQ note: the 10p fixed fee applies at £15 average order value and above; below £15 it steps down 1p per £1, floored at 5p (e.g. a £12 average order pays 7p fixed instead of 10p). Adjustable under "Adjust rates." Dojo note: smaller-business pricing typically runs 1.2%–1.4% blended + around 5p/transaction, shown here at the low end (1.2% + 5p). Dojo also has flat monthly-allowance package options, and larger accounts get bespoke rates — check your own fee schedule and adjust above if it differs. Sources: Dojo pricing, Stripe UK pricing, PayHQ (rates as provided).

Is Advanced Payment Processing Right For Your Business?

Most businesses start with generic over-the-counter payment processors linked to their website platform or EPOS, offering a very quick setup without looking at the business’s services. Then they scale, and suddenly those platforms become the problem.

If you’ve outgrown one-size-fits-all solutions, you might be ready for something built for your actual needs.

Ideal For
Instant payments and embedded payment links
You’re in a high-risk category: Vaping, CBD, gaming, nutraceuticals, pharmaceuticals, subscription services, travel, adult, gambling, dating, crypto currency and forex
Your billing model is too complex for generic platforms
You process £5k+ per month and fees are eating your margins
You need strategic guidance, not just transaction processing
You’ve been frozen or flagged by mainstream processors
You operate across multiple channels (in-store, online, mail order/telephone order, mobile)
Not Ideal For
Straightforward, low-risk retail with simple needs
You process under £5k per month
If you prefer a chatbot to human support
You’re happy with your current processor

Trusted Partners

End-to-End Payment Protection

PCI DSS | Encryption (SSL/TLS) | Tokenisation | 3D Secure (3DS) | Multi-Factor Authentication (MFA) | Address Verification Service (AVS) | CVV Verification

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Talk to a specialist. 

No sales, no pressure; just honest answers about whether we’re right for each other

Built For Business

Every industry comes with unique payment challenges.

We solve what generic payment processors can’t handle.

High Risk Payment Processing Industries - Digital Media Technology Solutions
High-Risk & Specialty

Payment Processing For High-Risk Industries

Vape, Tobacco, CBD, Gaming, Pharmaceuticals: if you're high-risk to them, you're our specialty. No algorithmic freezes. Clear compliance guidance. Industry-specific acquirer relationships.
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High-Risk Payment Processing - SaaS and Subscription Payments - Digital Media Technology Solutions
SaaS & Subscription

Payment Infrastructure That Scales With Your SaaS

Failed payments silently drain 5-15% of your recurring revenue. Flat-rate pricing charges you the same 2.9% whether you're processing £100/month or £1M/month. We solve both problems with smart logic and true interchange-plus pricing.
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E-commerce & Omnichannel

Own Your Payment Stack

Payment platforms want you locked into their ecosystem. We build payment infrastructure you actually own—no ecosystem tax, no forced feature upgrades, no sudden rate increases because you "violated terms."
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When Generic Payment Processing Platforms Break Down

Payment processing seems simple until your business model no longer fits the mould.

Then you hit payment walls:

Funds Frozen & Account Shutdowns

Your account gets flagged. Funds held for 90 days. Vague compliance. No human to talk to. Generic processors use automated risk rules built for simple retail. If you’re in high-risk categories such as gaming, CBD, vaping, or other industry you’re constantly triggering false positives, regardless of whether you’re operating legally.

Rising Payment Processing Fees

You started on “simple” 2.9% pricing.

Your volume grew.

Now you’re overpaying by 20-30% because flat-rate pricing means you subsidise low-value transactions with high-value ones.

UK domestic debit cards cost 0.2% interchange.

You’re paying 2.9%.

That’s 14.5x the actual cost.

One-Size-Fits-None Limitations

Your business needs custom recurring billing. Your multi-site retail needs unified reporting.

Your B2C needs ERP integration.

Generic platforms say “use our ecosystem or work around it.”

Neither option is built for your business model.

Payment Processing Infrastructure That Works For Your Business

Understanding that every business is different, we custom-fit your payment stack by filling gaps in what you have or building something entirely new.

Custom-Fit Payment Stacks

We build modular solutions using specialist UK acquirers, modern gateways, terminals, and open banking - whatever you need, not what we want to sell you.

No Shutdowns

Reviewed by humans, not algorithms. Every account is underwritten by specialists who understand your industry; Regulations, Licensing, and Compliance.

Transparent Interchange - Plus Pricing

You see three clear line items:
- Actual card scheme interchange (public Visa/Mastercard rates),
- Card scheme assessment fees (~0.08-0.12%),
- Acquirer costs (clearly disclosed per transaction based on your merchant category).

Strategic Partnership

Dedicated named account manager who becomes an extension of your team.

FAQ

We can't give you a fixed price until we understand your business, but here's how our pricing works:

Interchange-plus model:

• You see actual card scheme costs (Stripe/Dojo published rates)
• Plus card network fees (typically ~0.1%)
• Acquirer costs (clearly disclosed per transaction)

What affects your pricing:
• Transaction volume (higher volume = better rates)
• Business complexity and risk profile • Card mix (UK debit vs credit vs international)
• Infrastructure needs (gateway only vs full stack)

What we can promise: Most businesses processing £50k+ monthly save significantly vs flat-rate providers because interchange-plus passes through actual costs instead of bundled mark-ups.

Want to see your exact savings?
Upload your current statements and we'll provide a detailed comparison, no obligation.

Honest answer, it depends on complexity:
• Low-risk: 5-7 days
• High-risk CBD/gaming: 7-14 days (specialist underwriting)
• Multi-channel buildout: 14-21 days

We'll give you a specific timeline in the discovery call.
Most merchants are processing within 10 days.

Yes. Integrate with  WooCommerce, Shopify, Magento, and BigCommerce.

Direct integrations with  accounting software Xero, and QuickBooks.

Don't see your platform? We provide API access with developer documentation. Most custom integrations take 2-4 weeks.

Yes. We can provide specialist payment processing for pharmacy's, CBD and vaping shops, gaming, nutraceuticals, adult content, gambling, travel, and other categories that mainstream processors reject. We work with specialist acquirers who understand these industries and provide proper compliance guidance—not just account freezes and vague explanations.

We typically work with businesses processing £5k+ per month. Below that threshold, the economics of interchange-plus don't always make sense vs simpler flat-rate options. That said, if you're high-risk and struggling to find any processor, we may be able to help regardless of volume. Contact us to discuss.

We handle the migration process:

1. We analyse your current setup and identify the best approach

2. We set up your new payment infrastructure in parallel

3. We help you transition with zero downtime

4. We verify everything works before you cancel your old provider. Most migrations complete in 1-3 weeks depending on complexity.