Opayo

$39.00

Select Billing Option

1 Year

2 Years

Britain's Favourite Gateway, On Your Joomla Store.

Drop-in card checkout, 3-D Secure, saved cards, automatic renewals, and full admin controls — void, capture, refund — all from your J2Commerce order screen. Built for UK and Irish merchants. No merchant portal required.

Everything Your Checkout Needs

Card payments, fraud screening, subscriptions, admin controls — the full stack for British and Irish ecommerce, wired directly into Joomla.

Embedded Card Form

Customers type their card details directly in your checkout — no redirects, no "you are leaving this site" moments. Card data stays in Opayo-controlled fields and never touches your server. Lowest PCI burden, cleanest customer experience.

3-D Secure / Strong Customer Authentication

Bank challenges appear inline — the customer completes verification without leaving the page. Pass the challenge: order proceeds, fraud liability shifts to the bank. Fail: card declined, cleanly. You set up nothing extra. It runs.

Saved Cards — One-Click Repeat Purchases

Logged-in customers see their saved card at checkout. One radio button. One click. Money moves. No typing, no wallet hunting, no friction that costs you the repeat sale.

Subscriptions & Automatic Renewals

Monthly boxes, annual memberships, recurring deliveries — they renew automatically against the customer's saved card. No invoice chasing, no expired-card emails piling up, no churn from forgotten renewals. J2Commerce manages the schedule; Opayo handles the charge.

Authorise Now, Capture When You Ship

Reserve funds at order time. Ship. Then capture from the J2Commerce order screen. Pre-orders, custom products, seasonal stock — no over-charging, no refunds for orders you can't yet fulfil. Abort the reservation if the order falls through. The customer is never billed.

Void, Capture & Refund from the Order Screen

Every payment action is a button in the J2Commerce order view. Full refund, partial refund, void pre-settlement, capture deferred — handled without logging into a separate merchant portal. Results recorded in order history. Order statuses updated automatically.

AVS/CV2 Fraud Screening

Address and security-code verification on every transaction. You control the sensitivity — force it, defer to your Opayo account settings, or disable it. Opayo's fraud team screens; you see the result.

Geo-Zone Restriction

Show Opayo only to customers in your target region — UK, Ireland, or any geo-zone you define in J2Commerce. International customers can be routed to a different payment method without any extra code.

Payment Surcharge Support

Add a flat fee or percentage card surcharge — with its own tax class — that appears automatically when Opayo is selected. Recover card-processing costs without manual adjustments or separate line-item products.

The Checkout Your Customers Actually Want

Returning customers see their saved card at the top of the checkout — one click and they're done. New customers type their card details directly on your page, in a form that looks like it belongs there. No redirects. No "you are now leaving this website" anxiety. The whole transaction happens where it started: your store.

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

Every payment action you'll ever need is a button in the J2Commerce order view. Void a payment before it settles. Capture a deferred authorisation. Issue a partial refund. Issue a full refund. The order history updates, the order status changes, and Opayo gets the instruction — all from the same screen where you handle everything else. You shouldn't need a separate merchant portal for routine order management. Now you don't.

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

Who's This Built For?

A Yorkshire farm sells hampers, monthly subscription boxes, and seasonal Christmas pre-orders directly to consumers via their Joomla store. One-off purchases go through the embedded card form (customer never leaves the site). Monthly box subscribers are billed automatically each renewal — no manual invoice, no chasing. Christmas hamper pre-orders use deferred mode: funds reserved when the customer orders in October, captured when the owner starts packing in December. Every action taken from the J2Commerce order screen. The owner hasn't logged into the Opayo merchant portal once in three years.

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.

A membership organisation sells three annual membership tiers through their Joomla site. Members sign up, save their card at checkout, and renew automatically each year. When a card expires and a renewal fails, J2Commerce flags it, the member receives a payment-update email, and the admin can see the failure reason in the order. When a member cancels mid-year and requests a pro-rata refund, the admin opens the order, enters the partial refund amount, and clicks Process. The whole operation runs without the membership secretary ever touching the Opayo portal.

Your British Customers Want to Pay by Card.

Give them a checkout that doesn't make them nervous. 3-D Secure handled, saved cards working, subscriptions billing themselves, refunds issued without a single merchant portal login. That's it. That's the plugin.

Translated In The Following Languages

Arabic Unitag (ar-AA), Chinese, Traditional (zh-TW), Danish (da-DK), Dutch (nl-NL), English (en-GB), English, USA (en-US), Finnish (fi-FI), French (fr-FR), German (de-DE), Greek (el-GR), Hebrew (he-IL), Italian (it-IT), Japanese (ja-JP), Norwegian Bokmål (nb-NO), Persian Farsi (fa-IR), Polish (pl-PL), Portuguese, Brazil (pt-BR), Portuguese, Portugal (pt-PT), Russian (ru-RU), Spanish (es-ES), Swedish (sv-SE), Turkish (tr-TR)

License Information

An active license entitles you to updates, downloads, and support for the duration of the license period. You may continue using this plugin indefinitely without an active license; however, support, updates, and downloads will not be available while your license is inactive.