WooCommerce Payment Gateway UK
Free Plugin · FCA-Authorised Institution
Take card payments on your WooCommerce store with the UK's most competitive rate, next-working-day settlement, and a free, official plugin from WordPress.org. No monthly fees, no contract lock-in.
Why WooCommerce merchants switch from Stripe and PayPal
Cheaper for UK merchants
Monek's standard UK rate is from 0.99% blended (or IC++ above £200k/year). Stripe's UK rate is 1.5% + 20p. On a £30k/month store that's £150–£250/month saved before international-card surcharges, which we don't add.
Next-working-day UK settlement
Stripe settles on T+2 (T+3 for new accounts). PayPal can hold funds for up to 21 days for new merchants. Monek settles into your UK bank account the next working day, from day one.
FCA-authorised payment institution
Monek is a directly-authorised FCA-regulated payment gateway (FRN 920628), not an agent of another acquirer. Your safeguarded funds sit in designated UK trust accounts, not in a chain of overseas intermediaries.
Stays on your domain
The Monek WooCommerce plugin captures cards inline using PCI-compliant tokenisation. Customers never leave your storefront. Better conversion than redirect-based PayPal flows, particularly on mobile.
Accepted at your WooCommerce checkout
Everything WooCommerce expects, on a UK acquirer
Inline card capture
Card details collected on your domain via Monek's PCI-tokenised iframe. No redirect, no checkout disruption.
3-D Secure 2 by default
Mandatory for UK card payments. Built in with frictionless flow for low-risk transactions.
Apple Pay
One-tap mobile checkout for higher conversion. Included free, no extra configuration.
Refunds in WooCommerce
Issue full or partial refunds from the WooCommerce order page. No separate dashboard needed.
Saved cards for repeat buyers
Tokenised cards stored against the customer record for one-click reorders, subscriptions, and back-office charges.
Order metadata sync
Authorisation codes, cross-references, and transaction status written back to the WooCommerce order for clean audit trails.
Sterling capture
Take card payments in GBP and settle into your UK bank account the next working day.
Free plugin, free support
The plugin is free from the WordPress.org directory. Setup and ongoing support are included with every Monek merchant account.
Your checkout, your branding
Card details are captured inline through Monek's PCI-tokenised iframe, so the customer never leaves your store and your own PCI scope stays as small as it can be. No redirect to a third-party page at the moment someone has decided to pay.
Authorisation codes, cross-references and transaction status are written back to the WooCommerce order, and refunds are issued from the order page itself — so reconciliation and disputes happen where your team already works, not in a second dashboard.
Live in under an hour
The Monek WooCommerce plugin is the same architecture used by the largest UK acquirers. No developer required, no custom code, no theme conflicts.
Apply for a Monek account
Submit a 5-minute online application. UK underwriting typically completes in 2 working days. You'll receive your merchant ID and API credentials by email.
Install the WooCommerce plugin
From your WordPress admin, search WooCommerce extensions for 'Monek'. Install and activate, or download the .zip from WordPress.org and upload manually.
View Monek Checkout on WordPress.org →Add your credentials
In WooCommerce → Settings → Payments → Monek, paste in your merchant ID, integration password, and currency code. Enable sandbox first if you want to test.
Configure checkout options
Choose which card types to accept, enable Apple Pay, set the default currency, and decide whether to save cards for returning customers.
Take your first live payment
Switch sandbox off, place a small test order with a real card, and confirm it lands in the Monek Portal and settles next working day. From here, you're done.
Free download · 5★ rated · WordPress.org verified plugin
Monek vs Stripe, PayPal, and SumUp for WooCommerce
The fields that actually drive the bill for a typical UK WooCommerce store.
| Monek | Stripe | PayPal | SumUp | |
|---|---|---|---|---|
| Headline UK rate | From 0.99% | 1.5% + 20p | 1.2% + 30p | Variable |
| International card surcharge | Built in (blended) or interchange (IC++) | +1.65% (3.15% + 20p total) | +1.99% + £0.30 | Varies |
| Monthly fee | £0 | £0 | £0 | £0 |
| Settlement timing | Next working day | T+2 (T+3 new) | Up to 21-day hold (new) | T+1 to T+2 |
| FCA-authorised in own right | Yes, FRN 920628 | Yes | Yes | Yes |
| Customer stays on your domain | Yes, inline tokenised | Yes, Stripe Elements | Redirect-first | Inline available |
| Free WooCommerce plugin | Yes | Yes | Yes | Yes |
| Saved cards / repeat charge | Yes | Yes | Limited | Yes |
Pricing accurate as of May 2026. Competitor rates from each provider's published UK tariff.
Frequently asked questions
Is the Monek WooCommerce plugin free?+
How long does WooCommerce setup take?+
Will my existing WooCommerce theme work?+
Can I migrate from Stripe or PayPal without losing customer data?+
Do you support WooCommerce Subscriptions?+
What about 3-D Secure 2?+
Can I take Apple Pay?+
What if I'm not on WooCommerce, do you do other ecommerce platforms?+
Switch your WooCommerce store to Monek
Send us a recent statement (Stripe, PayPal, anyone) and we'll quote you a like-for-like UK rate within an hour. Migration is a plug-in change, not a developer project.