Take payments on your website, securely.
Cut your PCI DSS compliance scope by up to 90%.
Encoded drops 3D Secure checkout into any website — SCA-compliant, chargeback-protected, and matched to your own site design so the customer experience stays seamless.
3D Secure, built into any website
3D Secure — known as "Verified by Visa" or "Mastercard SecureCode" — is now an essential part of any card-accepting website. Encoded's solution integrates secure online payments into any website, matching your individual site design to keep the customer experience seamless and secure.
3D Secure protects your business from chargebacks by adding an additional layer of authentication, which if left unmanaged can result in serious fines or even blacklisting from card schemes.
Reduce costs by enabling customer self-service payments online.
Reduce PCI DSS compliance activities by up to 90%.
Affordable and simple to integrate into your existing website.
Immediate chargeback liability recognition to protect your business.
Include online payments with contact centre options to reduce call volumes.
Every way your customer wants to pay
Cards, digital wallets, open banking and BNPL — all through one integration. No separate acquirer contracts required.
Integrate in hours, not weeks
RESTful API with idempotency keys, webhook retries with automatic back-off, and official SDKs for every major platform and language.
Official SDKs & integrations
Drop-in libraries for every environment, plus one-click plugins for all leading eCommerce platforms.
Full test mode with simulated card numbers, 3DS flows, webhook delivery and decline scenarios. No live data, no risk. Available immediately upon account creation.
View API documentationIntegrate in hours, not weeks
RESTful API with idempotency keys, webhook retries with automatic back-off, and official SDKs for every major platform and language.
Official SDKs & integrations
Drop-in libraries for every environment, plus one-click plugins for all leading eCommerce platforms.
Full test mode with simulated card numbers, 3DS flows, webhook delivery and decline scenarios. No live data, no risk. Available immediately upon account creation.
View API documentationReal-time dashboards, not morning-after CSVs
Authorisation rates, decline reasons, fraud flags and settlement reports — live, not emailed overnight.
Live Transaction Dashboard
Monitor authorisation rates, decline codes and fraud flags in real time. Drill into any transaction in two clicks.
Automated Reconciliation
Auto-match settlements to orders. One-click export to Xero, Sage or NetSuite. No manual spreadsheet work required.
Chargeback Alerts
Instant notification the moment a dispute is raised, with evidence submission tools and pre-populated response templates.
Decline Analysis
Understand exactly why payments are failing — by issuer, card type, geography or time of day — and act on it.
T+1 Settlement Reports
Detailed daily settlement breakdowns with per-transaction fees. Know exactly what you have been charged and why.
Custom Webhooks
Push real-time payment events to your own systems. Retried automatically on failure with configurable back-off.
Encoded quickly became a significant part of our digital transformation project. We really liked their friendly approach from the start. They were informal yet professional and we instantly worked well together. Open, honest, and flexible — the Encoded team were helpful at every step of the way, from the initial contract stage through to the final implementation and training. The results were truly amazing.
From sign-up to live in 4 steps
Our UK-based onboarding team handles the heavy lifting. Most merchants go live within 48 hours.
Create Account & Sandbox
Instant access — no paperwork required. Full test environment with simulated cards and webhooks available immediately.
Integrate via API or Plugin
Use our hosted pay page for zero PCI scope, or embed the JavaScript library for a fully custom checkout experience.
Submit for Review
Automated checks run in minutes. Our UK onboarding team handles merchant account setup and card scheme compliance.
Go Live & Get Paid
T+1 settlement — funds in your account the next business day. Real-time reporting from your very first transaction.
Encoded's solutions are trusted by many of the world's leading brands.
Ready to start accepting payments?
Join thousands of UK merchants. No setup fees. No long-term contracts. Go live in 48 hours.