eCommerce Payments
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.
- No setup fees
- Live in 48 hours
- SCA & 3DS2 compliant
- 24/7 UK support
£4.2bn
Processed annually
99.99%
Gateway uptime
150+
Currencies accepted
90%
PCI DSS scope reduction
Overview
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.
Payment Methods
Every way your customer wants to pay
Cards, digital wallets, open banking and BNPL — all through one integration. No separate acquirer contracts required.
Key Features
Everything a modern gateway needs
Built on Level 1 PCI DSS accredited infrastructure — your compliance scope is dramatically reduced from day one.
3DS2 Authentication
SCA-compliant with chargeback liability shift. Frictionless flows wherever the issuer allows it, with full fallback to challenge where required.
AI Fraud Scoring
Real-time machine-learning risk scoring on every transaction, with a fully configurable rules engine you control and adjust.
Smart Routing
Automatically route each transaction to the acquirer most likely to authorise it — lift approval rates by 8–12% with no extra effort.
Intelligent Retry Logic
Automatic soft-decline retry with back-off strategy. Recovers 15–20% of payments that would otherwise be permanently lost.
Hosted Pay Page
Fully branded checkout that matches your site. Card data never touches your servers — zero PCI DSS scope for your team.
Multi-Currency & DCC
Dynamic currency conversion lets shoppers pay in their home currency. 150+ currencies supported with live exchange rates.
Developer Experience
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.
Reporting & Reconciliation
Real-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.
Getting Started
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.
Trusted By
Encoded’s solutions are trusted by many of the world’s leading brands.
Speak to the team
To discover how our secure payment solutions can free up your contact centre agents' time allowing them to focus on customer service, more complex enquiries and revenue-generating activities.