Switch from Stripe.
Save up to 36%
UK-regulated payment gateway with next-day onboarding, British support team, and pricing that actually makes sense for growing businesses.
- No setup fees, no monthly minimums
- Next-day merchant onboarding
- UK-based support team (not outsourced)
Small & Medium Business
- Fast onboarding
- Competitive 0.99% blended rate
- Card machines from £25/month
- Pay-by-Link included
- UK support team
- No hidden fees
Enterprise & High Volume
- Bespoke IC++ pricing
- Dedicated account manager
- API & SDK integration
- White-label options
- Monthly rolling contracts
- SLA-backed uptime
Transparent rates, no surprises
Up to 36% cheaper than Stripe and WorldPay
- International cards & Amex on request
- Terminals from £25/month
- 18-month contract
- Free next working day delivery
- UK-based support team
- IC++ interchange-plus-plus
- Dedicated account manager
- Monthly rolling contract
- Free next working day delivery
- White-glove onboarding
Platform Features
A complete payment infrastructure built for UK businesses, from start-up to enterprise.
API Integration
RESTful APIs with comprehensive documentation. Integrate payments in minutes with SDKs for all major platforms.
Card Machines
Next-gen payment terminals with contactless, chip & PIN. Seamlessly integrated with your online channels.
E-commerce Ready
Pre-built plugins for Shopify, WooCommerce, Magento. Or integrate directly into your custom platform.
Lightning Fast
99.99% uptime with sub-100ms response times. Process thousands of transactions per second.
Bank-Level Security
PCI DSS Level 1 certified. Advanced fraud detection and 3D Secure 2.0 authentication.
Smart Analytics
Real-time dashboards and insights. Track performance, reconcile payments, and optimise conversion.
Global Payments
Accept 135+ currencies with local payment methods. Multi-currency settlements available.
Mobile First
Native iOS and Android SDKs. In-app payments, digital wallets, and mobile POS solutions.
Accepted payment methods
Plus Pay-by-Link, recurring payments, MOTO, and 135+ international currencies
Accept payments everywhere
All your payment channels in one place
From in-store terminals to online checkout, we support every way your customers want to pay
Payment Terminals
Face-to-face payments with next-generation card machines
Contactless, Chip & PIN, Apple Pay & Google Pay
Learn more →E-commerce Plugins
Seamless integration with leading online platforms
Shopify, WooCommerce, Magento & more
Learn more →Embedded Payments
White-label payment technology embedded into platforms
Xero, accounting software & business platforms
Learn more →Call Centre Integration
Secure phone payments with MOTO capabilities
PCI DSS compliant telephone ordering
Learn more →Developer APIs
Build custom solutions with our flexible APIs
RESTful APIs, webhooks & comprehensive SDKs
Learn more →Pay by Link
Send secure payment links via email or SMS
No website needed, instant payment collection
Learn more →Need help choosing the right solution for your business?
Built for developers,
loved by businesses
Clean REST API accepting standard form-encoded POST requests. Integrate card payments in hours — no SDKs required.
import urllib.request, urllib.parse, json
GATEWAY = "https://elite.monek.com/Secure/Transact.ashx"
payload = {
"MerchantID": "YOUR_MERCHANT_ID",
"ApiKey": "YOUR_API_KEY",
"MessageType": "ESALE_KEYED",
"Amount": "1000",
"CurrencyCode": "826",
"CountryCode": "826",
"Dispatch": "NOW",
"ResponseAction": "JSON",
"CardNumber": "4012001037141112",
"ExpiryMonth": "12",
"ExpiryYear": "26",
"CV2": "123",
"CardholderName": "Test Cardholder",
"QAAddress": "123 Test Street",
"QAPostcode": "TE1 1ST",
"PaymentReference": "ORDER-001",
}
data = urllib.parse.urlencode(payload).encode("utf-8")
req = urllib.request.Request(GATEWAY, data=data, method="POST")
with urllib.request.urlopen(req, timeout=30) as resp:
result = json.loads(resp.read().decode("utf-8"))
print(result["result"]["responseMessage"]) # AUTHORISEDSee how much you could save
Select your current provider and get an instant personalised comparison
Based on typical UK card mix. Competitor rates last verified 2026-03-30.
How Monek compares to the rest
We built Monek to be the most competitive payment gateway in the UK. Here's how we stack up.
| Feature | Best value Monek | Stripe | Adyen | Checkout.com |
|---|---|---|---|---|
| Card transaction fee | 0.30–0.85% + 5p | 1.5% + 20p | 0.60–1.20% + 13p | Custom pricing |
| UK debit cards | 0.30% | 1.50% | 0.60% | Custom |
| UK credit cards | 0.65% | 1.50% | 0.80% | Custom |
| Per-transaction fee | 5p | 20p | 13p | Custom |
| Monthly fee | £0 | £0 | From £200/mo | £0 |
| Setup fee | £0 | £0 | £500+ | £0 |
| Onboarding time | <10 minutes | 2–3 days | 2–4 weeks | 3–5 days |
| Settlement speed | Next day | 2–7 days | T+1 | T+1 |
| 100% UK Support | ||||
| FCA regulated | ||||
| Free card machines |
Join 18,248+ merchants who've already made the switch
Real businesses, real savings
Here's what our merchants say about making the switch
"We were paying Stripe nearly £800/month. With Monek, we're down to £490 for the same volume. That's £3,700 a year back in our business."
"The difference is night and day. When we had an issue with Stripe, it took 3 days to get a response. With Monek, I get someone in the UK within minutes."
"We switched from Worldpay and got approved in 24 hours. Our old provider took 3 weeks. Monek's onboarding is genuinely impressive."
Integrate everywhere
Built for developers and businesses
Choose the integration method that works best for your business
Developer-friendly APIs
Build exactly what you need with our flexible RESTful APIs and comprehensive SDKs.
- Complete REST API documentation
- SDKs for Python, Node.js, PHP, Ruby, .NET
- Webhook support for real-time events
- Sandbox environment for testing
- Code examples and tutorials
- Dedicated developer support
Client stories
Trusted by businesses worldwide
See how companies are growing with Monek's payment infrastructure
"Switching to Monek reduced our payment processing costs by 47% while improving transaction success rates. The API integration was seamless."
"The developer experience is outstanding. We integrated Monek into our platform in under a week. Their webhook system is reliable and well-documented."
"Multi-currency support and local payment methods helped us expand into 15 new markets. Monek scaled effortlessly as we grew."
Trusted & Regulated
Manage everything from the palm of your hand
User Friendly
Intuitive dashboard with real-time transaction monitoring and reporting
Real People, Real Help
UK-based support team ready to assist whenever you need guidance
Bank-Grade Security
PCI DSS Level 1 compliant with multi-factor authentication
Start saving on payment fees today
No setup fees · No long-term contracts · Free UK support · Next-day onboarding
No credit card required · 5 minute setup · Switch in 24 hours