The Smarter Way to Accept Payments Online

Keep things simple with Barclaycard SmartPay, a secure online payment gateway that provides Pan-European transaction and payment processing services – all from a single provider you can trust. It’s a powerful and flexible e-commerce platform that puts you in control of your online business.
Simplicity, Control, Value – the three key strengths of Barclaycard SmartPay.
Discover more about SmartPay. View our demo


Barclaycard Smartpay at a glance

Check list Simplicity:

single payment relationship across Europe, fast, simple and secure payment pages, easy integration

Check list Control:

in-built fraud checking system, full compliance with PCI DSS*, localisation of payment experience, flexible Management Information (MI) suite

Check list Value:

built-in internet authentication services, real-time transaction reporting, reliance and reliability.

* Payment Card Industry Data Security Standards

Major European payment types accepted

As well as accepting all major credit and debit cards you can also accept popular European payments methods such as bank transfers, ELV, PayPal, Sofortüberweisung, SMS / IVR payments, Direct eBanking, Giropay, Moneybookers and iDeal through Barclaycard SmartPay, reducing the need for multiple agreements.


Integrating Barclaycard SmartPay into your website

You can choose from a hosted payment page version, which means we take care of the payment security, and an API version that allows you to directly integrate Barclaycard SmartPay into your own payment pages.

With the hosted payment page version, Barclaycard SmartPay will host the payment pages and manage security and fraud for you. Although you retain control, all the testing and customisation is done through our systems.

With the API version, you create your own payment pages that collect shoppers’ payment details which you then send to Barclaycard SmartPay to process. Unlike the hosted solution, you will be responsible for the security of the customer and payment data. You will need to set up SSL (Secure Sockets Layer) security and be compliant with the necessary industry standards for fraud and security.

In either case, our technical support team is available to support you during the integration process.

Hosted payments diagram

  • Barclaycard SmartPay accepts major European payment methods including credit and debit cards, ELV and iDeal, eliminating the need for multiple agreements
  • Your customers can make payments in their own language and currency
  • Build your payment pages in a number of languages
  • Fully customise the look and feel of your payment pages
  • Easy to integrate with third party shopping carts and your existing systems
  • Benefit from PCI DSS compliance and built-in internet authentication

API Version

  • Create your own payment pages within your website to fully customise the checkout process.
  • Your customers stay on your website for the entire purchase process
  • You collect customers’ payment details on your website and send them to Barclaycard SmartPay to process
  • You are responsible for keeping customer and payment data secure and complying with the necessary industry standards.

View guides and code examples to help you with your integration.

System Reliability

Barclaycard SmartPay enables you to take payments throughout Europe – 24 hours a day, 7 days a week.

  • Barclaycard SmartPay systems are hosted in two ISO 27001-certified locations.
  • The Barclaycard SmartPay hosted payment page version is PCI DSS compliant.
  • Barclaycard SmartPay offers 99.9% uptime per month.
  • Barclaycard SmartPay operates a modular systems architecture where every component is fully stateless.


Who we are

Barclaycard is part of Barclays Global and Retail Commercial Banking division. We are one of Europe’s largest acquirers and processors of card transactions, with over 40 years' experience and more than 88,000 retailer and business relationships in the UK alone.

We enable credit, debit and charge card acceptance in companies ranging from small shops to multinational businesses; online, telephone, and mail payments are supported on a local and international basis throughout Europe.

We have built a reputation as a trusted brand and a European payments expert. Our services are fully compliant with industry standards and we are a key member of the PCI Security Standards Council.


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