What's the Best Payment provider in the UK?
Sep 5, 2025
Super Thinking
How Super Payments Stacks Up Against Other Payment Providers in the UK
Introduction
In the UK payments space, businesses are spoilt for choice. Whether it's Adyen, Checkout.com, GoCardless or others, the market offers many well-known names. But most come with fees that quietly eat into your margins.
Super Payments stands out with 0% fees on pay later, open banking and card processing, giving UK merchants a rare cost advantage.
What Makes Super Payments Different?
0% card processing fees — most providers charge 1% or more to process payments
0% open banking (pay by bank) — direct bank payments at no cost
0% Buy Now Pay Later (BNPL) via Super Credit, always free for merchants
Sustainable business model through lender commissions and merchant advertising via Offers
Why Businesses Might Think It’s Too Good to Be True… and Why It Isn’t
Seeing “zero fees” often raises eyebrows. Here’s how Super Payments makes it work:
Super Credit (BNPL): Customers pay in instalments with interest-free options available. Super earns a commission from the lender, not from the merchant, regardless of how your customer pays.
Offers product: Merchants can advertise through Super-owned channels. This creates revenue without charging businesses for payments.
So, you get all the benefits; faster payments, flexible checkout, better conversion — without giving up your margin.
Comparing Super with Other UK Payment Providers
Here’s a pricing comparison (figures are approximate and may vary):
Provider | Card Processing Fee (approx) | Open Banking Fee | BNPL Cost to Merchant |
|---|---|---|---|
Super Payments | 0% | 0% | 0% via Super Credit (free for merchants) |
Adyen | ~£0.11 + interchange + ~0.60% | £0.11 + €0.50 (UK & Germany) | ~4.99% + £0.20 (via Klarna) |
Checkout.com | Typically 1% to 2% for SMEs | Often included in contract | 4% to 6% via partners |
GoCardless | ~1% + 20p (direct debit) | Included | N/A |
Revolut Business | ~1% + 20p (domestic cards) | N/A | N/A |
Note: Pricing reflects averages and public estimates. Always confirm with the provider directly for your specific business needs.
Super Payments offers the most transparent pricing structure on the market — with 0% processing for all payment methods, and completely free payments via Pay Later and open banking.
Why Super Wins for UK Merchants
Keep ~100% of your sale — with no processing or platform fees
Transparent and sustainable — Super earns through lender and ad partnerships
Built for scale — from startups to enterprise ecommerce businesses
UK-centric — fast payouts in GBP, clear contracts, no complexity
Final Word
Most payment platforms offer “good” value — until you see the invoice.
Super Payments is different. 0% really means 0% — on card processing, open banking and BNPL.
You get all the upside. Super earns through other channels.
Simple, fair and built for growing UK businesses.
Dan Ferner, Growth
June 30, 2025
Super Thinking
