The Artisan Producer Selling Direct to Consumers
A Yorkshire farm sells hampers, subscription boxes (with the Subscriptions And Memberships app) and Christmas pre-orders. Pre-orders are reserved in October and captured in December.
Accept Opayo Card Payments in Your Store
Drop-in card checkout, 3-D Secure, saved cards, renewals for subscription products, and void, capture and refund from your J2Commerce order screen. Built for UK and Irish merchants. No merchant portal required.
Everything Your Checkout Needs
Card payments, fraud screening, renewals for subscription products and admin controls for British and Irish stores.
Embedded Card Form
Customers type card details into Opayo-controlled fields on your checkout page, so card data never reaches your server.
3-D Secure / Strong Customer Authentication
Bank challenges appear inside the checkout. Passing shifts fraud liability to the bank; failing declines the card.
Saved Cards for Repeat Purchases
Logged-in customers pick their saved card at checkout and pay with one click.
Renewals for Subscription Products
For products sold with the Subscriptions And Memberships app, renewals are charged to the customer's saved card. The app manages the schedule and Opayo handles the charge.
Authorize Now, Capture When You Ship
Reserve funds at order time and capture from the order screen when you ship, or abort the reservation if the order falls through.
Void, Capture & Refund from the Order Screen
Refund in full or in part, void before settlement or capture deferred payments from the order view, with results recorded in the order history.
AVS/CV2 Fraud Screening
Address and security code checks on every transaction. Force them, follow your Opayo account settings or turn them off.
Geo-Zone Restriction
Show Opayo only to customers in the UK, Ireland or any geo zone you define.
Payment Surcharge Support
Add a flat or percentage surcharge with its own tax class when Opayo is selected.
Card Payments Without Leaving Your Checkout
Returning customers see their saved card first, and new customers type card details on your page. 3-D Secure runs inside the checkout too.
- Card details entered inline, customer never leaves your checkout
- Saved card shown at checkout for returning customers
- 3-D Secure challenge inline, no full-page redirect
- Processing spinner keeps the customer informed while payment runs
Admin Controls That Don't Require a Second Login
Void, capture, refund in part or in full from the J2Commerce order view, with the order history and status updated.
- Void pre-settlement payments with one click
- Capture deferred authorisations when you're ready to ship
- Full or partial refunds with amount input and double-refund guard
- Order history records every action automatically
Accept Card Payments From UK and Irish Shoppers
3-D Secure, saved cards, renewals for subscription products charged to saved cards, and refunds issued from your order screen without a merchant portal login.
- Embedded Card Form
- 3-D Secure / Strong Customer Authentication
- Saved Cards for Repeat Purchases
Use Cases
The B2B Trade Supplier with High-Value Orders
A Bristol-based trade supplier processes high-value card payments from wholesale accounts. AVS and CV2 checks add a fraud-screening layer on every transaction. Geo-zone restriction limits Opayo to UK billing addresses, overseas accounts are routed to bank transfer instead. When a customer overpays and needs a partial refund, the admin enters the exact amount in the J2Commerce order view and clicks Process Refund. The order history records it, the customer sees the refund on their card in a few days. No telephone calls to the merchant services team, no reference numbers to track down.
The Membership Club Billing Annual Subscriptions
A membership organization sells annual memberships with the Subscriptions And Memberships app. Members renew automatically, failed renewals show the reason on the order, and partial refunds are issued from the order view.
Languages
Translated into 21 languages.
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Arabic Unitag
ar-AA
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Chinese, Traditional
zh-TW
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Danish
da-DK
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Dutch
nl-NL
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English (United Kingdom)
en-GB
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English (United States)
en-US
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Finnish
fi-FI
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French
fr-FR
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German
de-DE
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Greek
el-GR
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Hebrew
he-IL
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Italian
it-IT
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Japanese
ja-JP
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Norwegian Bokmål
nb-NO
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Polish
pl-PL
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Portuguese, Brazil
pt-BR
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Portuguese, Portugal
pt-PT
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Russian
ru-RU
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Spanish
es-ES
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Swedish
sv-SE
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Turkish
tr-TR
Reviews
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Payment Methods
Works with J2Commerce 6
Opayo
UK and Irish merchants can take cards in Opayo's embedded form with 3-D Secure, then capture or refund from the order screen.
- Updates, downloads and support for the length of the license
- Your plugin keeps working after the license ends, and renewing brings new updates
- A step-by-step user guide for every setting, linked below
- Joomla
- Joomla 6
- J2Commerce
- J2Commerce 6
Documentation
User Guide (Version 6)You May Also Like
Partial Payments
Sell high-ticket items with a deposit at checkout, then let reminders and saved-card charging collect the balance on schedule.
Subscriptions And Memberships
Sell recurring plans and memberships that bill and renew on their own, with failed-payment recovery and an MRR dashboard.
Category Based Shipping
Set shipping rates by product category, billed flat or per item, so the charge matches what the order costs to ship.
Auto-Coupon Pop Up
Put a coupon code in a link, and shoppers who click it land with the discount already applied and a branded popup confirming it.
