Seamless Payment Integrations for Subscription, eCommerce and Service Led Organisations
Opayo (formerly Sage Pay) is a trusted payment platform used by organisations across the UK to process online and in store transactions securely and efficiently. From one off payments to recurring billing, Opayo enables businesses to manage payments with confidence while supporting a range of payment methods and currencies in an all in one merchant account and gateway. With features such as real time authorisation, enhanced fraud screening and streamlined reporting, Opayo helps organisations deliver reliable payment experiences to customers and finance teams alike.
Integrating Opayo with your digital platforms requires accuracy, security and a clear understanding of how payments drive revenue and customer satisfaction. Here at Cold Banana, our Opayo integration experts deliver Opayo integrations that connect payments cleanly into your wider digital ecosystem.
We work with enterprise organisations where payment reliability is critical. Our Opayo integrations reduce friction at checkout, improve payment visibility and support scalable growth across products, services and markets.
How Does Cold Banana Approach Opayo Integrations?
Every Opayo integration begins with understanding how your organisation currently takes payments and how this may evolve over the next 3 to 5 years. We map payment journeys, billing rules and data flows before designing an integration that meets operational needs and customer expectations.
Our approach focuses on resilience and scalability, ensuring your Opayo integration performs reliably during peak demand and remains easy to maintain as your business grows.
What can you integrate with Opayo?
We integrate Opayo with websites, eCommerce platforms, subscription services, mobile applications, CRM systems and finance platforms. These integrations support real time payment processing, recurring billing, refunds, fraud monitoring and reporting.
Opayo can also be integrated alongside CMS, ERP and membership systems to ensure payment data flows accurately across your organisation’s tech stack, providing full visibility for teams and seamless experiences for customers.
Why choose Cold Banana to support your business’ Opayo integration?
Here at Cold Banana we combine technical expertise with a deep understanding of customer experience and operational performance. Our Opayo integrations are designed to be secure, efficient and aligned with your commercial goals, delivering smoother transactions and building trust with your customers.
Opayo Frequently Asked Questions
Do you have a question about Opayo integrations?
Explore our FAQ section below!
Is Opayo the same as Sage Pay?
Yes, Opayo is the new name for Sage Pay. It's the same payment service provider, with Sage rebranding to Opayo to reflect its ownership by US banking subsidiary Elavon, while maintaining strong integration with Sage accounting software. If you see "Sage Pay" in older systems or documentation, it refers to the current Opayo service.
How much does an Opayo integration cost for digital, eCommerce and subscription based organisations?
The cost of an Opayo integration depends on the complexity of your payment process and the number of systems being connected. Simple eCommerce or donation based journeys generally cost less, while subscription led or multi-product organisations may incur additional costs due to recurring billing logic, invoicing, tax handling and integration with CRM or finance systems.
Most organisations begin with a discovery phase to define payment flows, reporting needs and compliance requirements. This ensures the integration is scoped accurately and helps keep costs predictable and proportionate to business value.
How long does it take to implement an Opayo integration for growing and enterprise organisations?
Implementation timelines vary depending on the complexity of your requirements. Simple Opayo integrations can often be delivered within a few weeks to a couple of months. More advanced integrations, including subscriptions, multi-platform setups or custom billing logic may take longer.
Timelines include discovery, development, testing and rollout. This structured approach helps minimise disruption to live payments and ensures a smooth experience for your customers and internal teams.
Are Opayo integrations secure and compliant with UK and EU regulations?
Yes. Opayo integrations are designed with security and compliance in mind. Opayo is a PCI DSS Level 1 compliant payment service provider offering robust security features including encryption, tokenisation and fraud detection tools.
At an integration level, secure authentication, controlled access and responsible data handling ensure payment and customer data is protected. Integrations can be aligned with UK and EU regulatory requirements including GDPR, supporting compliant processing of personal and transactional data.
Cold Banana have been supporting business like yours since 2015, if you would like to find out more about how we could help you and your business than please get in touch.
Alternatively if you are looking to find out how you can join the team then please get in touch to speak with one of our team.