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Online payments

Process secure e-commerce transactions on your website or other digital channels, by using our online payment gateway.

Accepting payments using a payment gateway

Selecting the best way to accept payments online will be directly influenced by how you run your business. If you trade online, you have a choice of using a separate hosted payment page or have one integrated into your website. If you operate remotely, you might choose to send a payment link or an embedded QR code to customers to use using a virtual terminal. Whatever you decide, using our online payment solutions mean you are always open for business. 

Hosted payment gateway

Take secure payments online by redirecting your customers to our Hosted Payment Page.

  • ‘Off-the-shelf’ solution requiring some integration

  • Customise using your logo and brand colours

  • PCI DSS compliance and 3D Secure managed by Cardnet

  • Access to customer analytics through 24/7 reporting

Hosted payment gateway

Integrated payment page

Take secure payments online without customers leaving your website with our Integrated Payment Page.

  • Build a bespoke payment journey yourself and connect with our API’s

  • Fully customisable

  • PCI DSS and 3D Secure managed by you

  • Enables advanced customer analytics

Integrated payment gateway

Pay by link

Send customers a secure payment link via email, text, social media, invoice or an embedded QR code.

  • No website or integration required to send payment URLs

  • Customise using your logo and brand colours

  • PCI DSS compliance and fraud prevention

  • Managed by Cardnet

  • Access to customer analytics through 24/7 reporting

Pay by link

Benefits of using our online payment gateway

Whether you’re using an established e-commerce site, or it’s just you on your laptop or smartphone, online payments give you the opportunity to sell to customers from anywhere, in a safe and secure way for everyone. 

Enhanced security

A range of fraud prevention tools including real-time fraud screening for no additional cost.

Dedicated support

Integration and ongoing support through UK-based e-commerce specialist team.

Recurring payments

Processes regular transactions, subscriptions and fees, enabling lower cost of sale and improved cash flow.

One-Click payments

Tokenise and store card data securely to speeds up the customer sales process.

Multi-currency payments

Supports customers wanting to pay using a variety of currencies.

Data-rich analysis

Real-time reporting and management capability that enables you to make real-time decisions.

Logos of payment types; Mastercard, Visa, American Express, Apple Pay, Google Pay, Diners Club International, Discover, and PayPal
Small business completing a payment online using a laptop.

Lloyds Bank Omnichannel Payment gateway

If your business wants to accept payments through multiple channels, our omnichannel payment gateway joins together transactions made online, in person or over the phone into one single solution, allowing you to manage everything from one place while giving your customers a connected experience.

Explore omnichannel Explore omnichannel

Ready to start taking payments online?

Ready to start taking payments online?

If you want to take payments online, speak to one of our specialists. 

Enquire now Enquire now

Frequently asked questions

Do I have to bank with you to use Cardnet for online payments?

You don’t have to be a customer of Lloyds Bank or Bank of Scotland to use Cardnet. We assess each business individually to ensure we provide the right service, whether you’re a small enterprise or larger organisation.

  • You’ll need a website, products or services to sell, and a shopping cart to facilitate any sales. You will also need a payment gateway to process your payment transactions and an acquiring bank to settle the funds into your bank account, both can be provided by Lloyds Bank Cardnet. 

  • A payment gateway allows you to accept payments for the items you sell via your website or app. In the checkout process, the gateway will handle the part where customers enter their payments details. It encrypts sensitive information, such as shoppers’ credit card numbers, to ensure payments are processed securely. You will be able to see every processed transaction via the online portal. 

  • You’ll be able to accept debit and credit card payments from Visa, Mastercard, Diners, Discover and American Express, as well as digital wallets Apple Pay, Google Pay and PayPal.

  • Our pricing is clear and simple to understand, consisting of a flat monthly fee and a pence-per-transaction fee (+VAT). These fees cover all features of Lloyds Bank Online Payments, including the Fraud Prevention tool. You will also pay a separate Merchant Service charge for Cardnet’s acquiring services.

  • If you use the Hosted Payment Page solution, Cardnet is responsible for processing and storing the payment data securely. If you choose an integrated payment page (API), you as the merchant are responsible for processing and storing the payment data. As a merchant, you are still responsible for completing your PCI DSS questionnaire.

  • You don’t have to be a customer of Lloyds Bank or Bank of Scotland to use Cardnet. We assess each business individually to ensure we provide the right service, whether you’re a small enterprise or larger organisation.

  • You’ll need a website, products or services to sell, and a shopping cart to facilitate any sales. You will also need a payment gateway to process your payment transactions and an acquiring bank to settle the funds into your bank account, both can be provided by Lloyds Bank Cardnet. 

  • A payment gateway allows you to accept payments for the items you sell via your website or app. In the checkout process, the gateway will handle the part where customers enter their payments details. It encrypts sensitive information, such as shoppers’ credit card numbers, to ensure payments are processed securely. You will be able to see every processed transaction via the online portal. 

  • You’ll be able to accept debit and credit card payments from Visa, Mastercard, Diners, Discover and American Express, as well as digital wallets Apple Pay, Google Pay and PayPal.

  • Our pricing is clear and simple to understand, consisting of a flat monthly fee and a pence-per-transaction fee (+VAT). These fees cover all features of Lloyds Bank Online Payments, including the Fraud Prevention tool. You will also pay a separate Merchant Service charge for Cardnet’s acquiring services.

  • If you use the Hosted Payment Page solution, Cardnet is responsible for processing and storing the payment data securely. If you choose an integrated payment page (API), you as the merchant are responsible for processing and storing the payment data. As a merchant, you are still responsible for completing your PCI DSS questionnaire.

Support for web developers

We offer technical support for web developers and business owners to help them either set up a hosted payment page or integrate one into their website. Some of our developer information can be found using this link, but for a more tailored solution please contact us.

Technical support Technical support

Other ways to take payments

Mobile card reader illustration

Card readers

Take debit or credit card payments face to face at the till, at a table or away from your premises.

Card readers
Payment over the phone illustration

Over-the-phone payments

Take payments over the phone using additional functionality on a card reader or by using our secure online Virtual Terminal.

Over-the-phone payments

Important legal information

Cardnet® is a registered trademark of Lloyds Bank plc.

We may monitor or record calls to make sure we have carried out your instructions correctly and to help improve the quality of our service.

Please remember we cannot guarantee the security of messages sent by email.

Lloyds Bank plc and Bank of Scotland plc (member of Lloyds Banking Group) are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Authorisation can be checked on the Financial Services Register at www.fca.org.uk