Spotlight: Opayo (SagePay)
Opayo and SagePay integration for your website and order system
We connect Opayo, the payment gateway that used to be SagePay, to websites and order systems: card payments on your own checkout, phone payments taken by staff, and refunds, with every payment matched to its order and posted to your accounts. We have built and run this in a live ecommerce and order system.
The problem
Card payments that live in a separate system
A payment gateway on its own just takes the money. The work is everything around it: matching each payment to the right order, taking card payments over the phone without writing card numbers down, issuing refunds without logging in to another portal, and getting the payment into the accounts. Done by hand, that means two systems open all day, payments reconciled at the end of the week, and the occasional order that was paid for but never processed.
SagePay, Opayo, Elavon: what changed
SagePay became Opayo, and Opayo is now part of Elavon, which still runs the gateway under the Opayo name. Accounts and contracts carried on, but Elavon has changed the web addresses the gateway uses, with a deadline of 31 May 2024 for integrations to move. If your website was built against SagePay and nobody has touched the payment side since, it is worth having it checked.
What it changes
Pay on your own checkout
Card details go into Opayo's secure fields on your own checkout page, with 3D Secure, so card numbers never touch your server.
Phone payments by staff
Staff take card payments for phone orders from the back office through Opayo's secure payment page, instead of writing card details down.
Refunds from the back office
Refunds go back through Opayo from your own system and are recorded against the order, so nobody logs in to a separate portal.
Payments in the accounts
Each payment can be posted to Sage 50 against its invoice, so card takings and the sales ledger agree.
How it works
What an Opayo integration connects
What happens between your checkout, Opayo and your order system
Secure card fields on your checkout
Opayo's own card fields sit inside your checkout, so you keep your design and the card data stays with Opayo.
3D Secure handled
Card authentication runs as part of the payment, and the customer comes back to your site with the result.
Every payment matched to its order
Each payment keeps its Opayo transaction reference on the order, so anyone can trace a payment back to the sale.
Staff-taken payments
Phone and email orders are paid from the back office through Opayo's hosted payment page, under the same merchant account.
Refunds
Refunds are sent to Opayo from the back office and recorded against the order they belong to.
An alert if an order goes missing
If a customer has paid but the order could not be created, staff are emailed straight away with the payment reference, so nobody waits for an order that was never processed.
Opayo and SagePay integration: common questions
Is SagePay the same as Opayo?
Yes. SagePay was renamed Opayo, and Opayo is now part of Elavon, which still runs the gateway under the Opayo name. Accounts, contracts and the gateway itself carried on, so an integration built for SagePay is now talking to Opayo.
Is Opayo being shut down?
No end of life has been announced for the Opayo gateway. What has changed is the web addresses it uses: Elavon asked merchants to move their integrations to new addresses, with a deadline of 31 May 2024. If your website or order system has not been updated since then, it is worth having it checked.
Can Opayo work with our own order system or Sage 50?
Yes. Each payment is matched to its order in your own system, and we can post it to Sage 50 against the invoice, so card takings and the sales ledger agree.
Can staff take card payments over the phone?
Yes. Staff take the payment from the back office through Opayo's secure payment page, so card details are never written down or stored by you.
Should we move from Opayo to Stripe?
Not necessarily. Opayo suits businesses with an Elavon merchant account and card terms they are happy with. Stripe is quicker to set up and publishes its fees. We build both, and can run them side by side while you move.
How much does an Opayo integration cost?
It depends on what the payments need to connect to. Card payments on a checkout are a contained job; phone payments, refunds and posting payments to your accounts add to it. We will scope it with you on a short call and give you a clear quote.
Ready to connect card payments to your orders?
Tell us which systems you need to talk to each other, and we'll tell you honestly what it would take.