Take payments online

Your checkout stays. Only the provider behind it changes.

Switch what happens behind your checkout, not the checkout itself. Your customers see nothing change. Your statement does.

Switching provider sounds like a rebuild. It isn't.

Most businesses stay on an expensive provider for one reason: the migration feels bigger than the saving. A new integration, a new checkout, weeks of developer time, and the risk of breaking the thing that makes you money.

So the switch works the other way round. Your checkout stays as it is, your developer connects our SDK on their own schedule, and a named engineer here answers the payments questions while they do.

How the switch works

An SDK for your developer. A payments engineer for the questions.

Tell us what your store runs on. Your developer or agency builds against our SDK, and a payments engineer here answers the payments questions while they do.

  • Checkout and customer experience unchanged
  • No replatforming, no redesign
  • An SDK for your developer, with a payments engineer on hand
  • Test fully before a single live transaction moves

The real cost

The advertised rate is not what you pay.

The advertised rate is the cheapest transaction. Instant payouts, bolt-ons and card-mix surcharges sit on top, and the only number that matters is what left your account last month divided by what you turned over. That is the comparison we will do with you, line by line.

Rate Check
Advertised1.5% + 20p
Instant payout fees+
Bolt-ons and extras+
Your effective rate?
SynaptoAgreed to your volume
Run the Rate Check

What you get on day one

Every major payment method

Visa, Mastercard, Amex, Apple Pay and Google Pay, through the checkout you already have.

Clear, predictable settlement

You know what you are paying and when money reaches you. No bolt-ons quietly switched on.

Saved cards that keep working

When a customer's card is reissued, the details you hold are updated automatically, so a saved card does not stop working and a repeat order does not turn into a lost one.

An account manager, not a ticket queue

When a payment fails, you call someone who knows your account.

Questions before switching

No. The checkout, the pages and the flow stay exactly as they are. What changes is the provider processing the payment behind it, and what it costs you.

How long it takes depends on your own developer's schedule, not ours, so we will not put a date on it. What we can promise is that they are not reading documentation alone: a payments engineer here answers the payments questions while they build.

No. We never ask a first-time visitor for confidential paperwork. If you want the line-by-line comparison, we do it together on a call, using your own numbers.

Tell us. Getting out is usually less painful than it looks, and we will be straight with you about whether moving now or at renewal makes more sense for your situation.

From businesses that switched

Golnaz Parisaei · GB · 29 May 2026

Fantastic service and highly recommended

"We at Fertility Plus switched our payment processing through Synapto and couldn't be happier with the decision. The onboarding process was seamless, the team were incredibly helpful from day one, guiding us through the setup and making what could have been a complicated transition completely stress-free. What really stood out was the level of customer service throughout. Any questions we had were answered promptly and clearly, and we always felt like we were in safe hands. It's rare to find a provider that remains just as attentive after you're up and running as they were during the setup phase, but Synapto have done exactly that. A big thanks to Simon who led us through it all. We would wholeheartedly recommend them to any business looking for a reliable, supportive payment solution. They've made a real difference to how we operate day to day."

Trustpilot review
Faire & Fine · GB · 30 Jan 2026

Excellent company

"Excellent company, been working with them for the past few months, prices are great, fast payouts and great comms from them team. Have already recommended them to other business!"

Trustpilot review
Amin Nabizada · GB · 25 Nov 2025

"Synapto provided exceptional service from start to finish. Their attention to detail, professionalism, and commitment to quality truly stand out. A solid 5-star experience.” Thanks"

Trustpilot review

Read all reviews →

Put last month's statement next to ours

Leave your details and we'll come back with the comparison, usually the same day. Or book a call and go through it together.