upg payment gateways

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In this overview, we’ll examine Universal Payment Gateway (UPG), who provide payment gateways for online merchants.

To ensure your transactions get processed smoothly, we’ll look at:


What do UPG do?

UPG provide end-to-end credit and debit card processing solutions. Their customers include many of the largest online and high street retailers in the UK as well as government organisations. Customers range from SMEs through to large corporations. Services include in-store and e-commerce solutions including call centre and mail-order

UPG solutions are integrated with all of the major acquirers in the UK. It has a customer base of 3,000 merchants and processes card turnover of £2.5 billion a year from an annual total of 12 million transactions.

UPG also assists retailers in capturing and processing customer payment data to assist their marketing efforts and customer relationships.

Who are UPG?

UPG was established in 1998. Today it is the largest PSP and payment gateway in the UK. It customer base consists of many thousand merchants including many leading corporate brands as well a small and medium sized merchants. The company also provides the backbone payment gateway connecting acquiring banks with other payment service companies.

Since 2010 UPG has grown considerably. It has acquired three payment service providers: Secure Hosting; PSL, Axiar Payment Solutions; and most recently in June 2014 Accept Card Rentals Limited. These are now being rebranded with the parent UPG.

What does UPG offer?

UPG provide e-commerce and in-store payment solutions.

E-Commerce solutions include an online card processing merchant account that takes payment via UPG payment pages that link to an extensive range of shopping carts or using API integration permitting merchants to process cards on their own servers. All UK based acquirers are supported. Accounts include a virtual terminal for processing mail and telephone payments.

In-store credit and debit card processing using a chip and pin machine. A wide range of PDQ machines are available including counter top, mobile, Bluetooth and EPoS integration.

Online Internet Card Processing Account

  • Contract period: No minimum contract period
  • Features: Includes virtual payment terminal. Payment pages may be hosted or integrated with merchant’s checkout cart.
  • Per transaction charge Pricing available on application only

Chip and pin terminals

  • Contract period: No minimum contract period
  • Features: Countertop, mobile, Bluetooth and EPoS terminals are available
  • Per transaction charge Pricing available on application only

Why choose UPG?

As the largest independent payment service provider in the UK, their services for retail stores and e-commerce are fully features and highly flexible. Given its customer base which includes some of the largest retail banks in the UK, the pricing structure is likely to be attractive for established businesses. Sophisticated sales data reporting is also an attraction for large retailers.

However, pricing is provided on a one to one basis and will be sensitive to many factors including volume and merchant risk.

Customer services are available in the UK 24/7.

Next Steps: Start saving money

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