Works with
Shopify
WooCommerce
QuickBooks
Unleashed
Xero
Card & Online Payments
Get paid online,
your way
From plug-and-play checkout widgets and payment
links to a full API — accept every major card and
digital wallet. Boost conversions without the
complexity.
fena. Checkout
Secure payment
Order total
£ 249.00
VAT included
Free delivery
Pay with
VISA
AMEX
G Pay
Pay
+8
1234 5678 9012 3456
MM / YY
CVV
Cardholder name
Pay £249.00
Powered by fena. · PCI DSS Level 1 · 3D Secure
Works with
Shopify
WooCommerce
QuickBooks
Unleashed
Xero
Payment options
Three ways to accept card payments
Choose the integration that fits how you sell — or use all three. Each
one is backed by Fena's FCA-regulated infrastructure.
Most popular
Payment Links
Create a payment link in seconds and share it by email, WhatsApp, or SMS. Your customer clicks, pays, and you get notified instantly. No website needed.
Plug & play
Checkout Widget
Drop Fena's hosted checkout into your site or store with a few lines of code. Handles card capture, 3DS authentication and receipts automatically.
Developer API
Payments API
Full control over the checkout experience.
Tokenise cards for recurring billing, build
custom flows, and integrate directly with your backend stack.
Why Fena
Built for businesses that
can't afford downtime
Card payments are only as good as the infrastructure behind them.
Fena's gives you reliability, speed, and full transparency.
99.9%
Uptime guarantee
Fena's payment infrastructure is built for
resilience. Redundant systems, real-time
monitoring, and instant failover — so you never
miss a sale.
T+1
Next-day settlement
Money hits your account the next working day.
No waiting a week, no opaque settlement
schedules — your cash flow stays predictable.
PCI
PCI DSS Level 1 certified
The highest level of payment card industry compliance. Card data never touches your servers — Fena handles the entire secure capture flow.
<2s
Average authorisation time
Fast checkout experience reduces cart abandonment. Fena's direct acquiring relationships mean fewer hops, faster decisions, and higher approval rates.
3DS2
3D Secure 2 built in
Liability shifts to the card issuer when 3DS2 is
triggered, protecting you from fraud chargebacks without adding friction to genuine customers.
No hidden fees
Transparent pricing
No hidden costs,. You pay a simple, transparent per-transaction rate. Our specialist team will quote based on your volume.
Accepted payment methods
Never lose a sale to a
missing payment method
Accept all major cards and digital wallets right out of the box — no
extra configuration required.
VISA
Visa
Mastercard
AMEX
Amex
Google Pay
Google Pay
Pay
Apple Pay
+8
more methods available
Including Maestro, Discover, Diners Club, JCB, UnionPay and more
Fraud protection
Committed to protecting you from fraud, chargebacks, and the
headaches that come with them — all included at no extra cost.
We handle fraud so
you don't have to
AI-powered transaction monitoring
Advanced machine learning models monitor every transaction in real time for unusual activity, flagging suspicious patterns before funds move.
3D Secure 2 authentication
3DS2 provides strong customer authentication with minimal friction. For authenticated transactions, liability shifts away from you to the card issuer.
Chargeback dispute management
When disputes do arise, Fena's team handles the entire chargeback process — gathering evidence, filing responses, and keeping you informed throughout.
Real-time risk scoring
Every payment is scored against hundreds of risk signals — device fingerprinting, velocity checks, BIN analysis — before authorisation is requested.
Included at no extra cost
All anti-fraud protection is built into your Fena account. No add-on fees, no separate fraud platform to configure — it works from day one.
Transparent pricing
No surprises. No hidden fees.
One simple rate per transaction. No monthly fees, no setup costs, no
minimum volumes. High-volume businesses can negotiate a custom rate.
Standard rate
from
1.1
%
+ 20p
Per successful transaction. No monthly fees. No setup costs. Cancel any time.
✓
All major cards and digital wallets
✓
3D Secure 2 included
✓
Full fraud protection included
✓
Next-day settlement (T+1)
✓
PCI DSS compliance covered
✓
Payment links + widget + API
Get started
Custom rate
Let's talk
Processing over £100,000/month? Our specialist team will build a bespoke pricing package around your volumes.
✓
Everything in standard
✓
Negotiated per-transaction rate
✓
Dedicated account manager
✓
Priority technical support
✓
Custom integration assistance
✓
SLA and uptime guarantees
Contact sales
FAQs
Common questions
Everything you need to know before getting started.
What card payment methods does Fena support?
Fena supports all major card brands including Visa, Mastercard, American Express, Maestro, Discover, Diners Club, JCB, and UnionPay. Digital wallets — Google Pay, Apple Pay, and Samsung Pay — are also included. All payment methods are available from day one with no additional configuration.
Is Fena PCI DSS compliant?
How do I integrate Fena card payments into my website?
Can I take recurring card payments?
When do I receive my funds?
Are there setup fees or monthly charges?
We are eager
to help you
Contact us and one of our payment experts will be in touch soon to discuss integrating card payments into your business.
Get in touch
✓
PCI DSS Level 1 certified
✓
No setup fees or monthly charges
✓
Response within one working day
Ready to start?
Start accepting card payments
in minutes
Easy onboarding. Go live within 24 hrs.
Fena is a distributor of the Authorised Payment Institution. PCI DSS Level 1