Opayo (formerly Sage Pay) is a UK-based payment gateway and card processing service, now a product brand within Elavon, that securely processes online and in‑person card payments for businesses.
Opayo is a payment gateway and card processing solution focused on e‑commerce, telephone, and face‑to‑face transactions for businesses in the United Kingdom and Ireland. Originally launched as Protx and later rebranded as Sage Pay, it was acquired by Elavon and now operates as an Elavon product line providing secure online checkout, virtual terminal, POS integrations, fraud screening tools, and recurring payment capabilities.([en.wikipedia.org](https://en.wikipedia.org/wiki/Sage_Pay?utm_source=openai))
If you see a descriptor similar to “Sagpely dda pin ourchase” on your statement, it is likely a garbled or truncated reference to a chip‑and‑PIN card purchase routed through the Opayo/Sage Pay gateway on behalf of another merchant (for example, an online shop or a physical retailer using Opayo for card processing). In these cases, Opayo is not the store you bought from; it is the payment service provider handling the transaction between your bank and the actual merchant. The underlying merchant name may appear before or after the gateway reference, but on some statements it can be partially corrupted or abbreviated.
To verify or resolve questions about this kind of charge, first cross‑check the transaction date and amount against any recent purchases (online orders, phone payments, or in‑store chip‑and‑PIN transactions) you made around that time. Then log into the website or account of the business you suspect—most Opayo merchants provide detailed receipts and order histories. If you still can’t identify the transaction, contact your bank or card issuer and ask them to provide the full merchant name from the authorization record; if needed, they can raise a dispute. Businesses using Opayo can also look up your transaction via the MyOpayo portal, so if you recognize the store, contacting that merchant directly with the date, amount, and last four digits of your card usually helps resolve billing questions quickly.([it02.elavon.co.uk](https://it02.elavon.co.uk/content/dam/elavon/en-gb/v2/documents/resource-center/opayo/getting-started/my-sagepay-guide-k.pdf?utm_source=openai))
Bank Statement Variations
1 known variations
These are the raw merchant codes that appear on bank and credit card statements that we've identified as belonging to Opayo.
Why does my card statement show a strange description like "Sagpely dda pin ourchase" instead of a normal store name?
This type of descriptor is likely a corrupted or truncated reference to a chip‑and‑PIN purchase processed through Opayo (formerly Sage Pay). Your actual purchase was with a business that uses Opayo as its payment gateway, but on some statements the gateway reference appears instead of, or mixed with, the merchant name. Check what you bought around that date and amount—usually it matches an online order, phone payment, or in‑store transaction with a UK/Ireland merchant that uses Opayo.
Is Opayo the company that actually sold me the goods or services?
No. Opayo is a payment gateway and card processing service, not the retailer. It securely routes your card payment from your bank to the merchant’s bank. The business that sold you the goods or services is a separate company that has an account with Opayo. To identify the true merchant, compare the charge amount and date with your receipts or order confirmations from retailers you’ve used recently.
What are typical amounts or patterns for Opayo‑related charges?
Opayo itself does not set the transaction amount; it simply processes whatever total the merchant sends (for example, £19.99 for an online order or £75.00 for a phone or in‑store payment). You might also see multiple Opayo‑processed charges if you placed several orders with different merchants using the platform, or if a merchant uses Opayo for recurring billing such as subscriptions or installment plans.
Can Opayo place temporary authorisation holds on my card?
Yes. Like other payment gateways, merchants using Opayo can initiate authorisation holds to verify your card or check funds—particularly for e‑commerce, hotel, or high‑value orders. These holds may appear as pending transactions and then either settle for the final amount or disappear after a few days if the merchant does not complete the sale. If a pending Opayo‑related charge does not drop off within a week, contact your bank or the merchant for clarification.
How do I get a refund for a charge processed by Opayo?
Refunds must be issued by the merchant, not directly by Opayo. Contact the business where you made the purchase, referencing your order number, transaction date, and amount. The merchant uses their MyOpayo/Elavon portal to process partial or full refunds back to your original card. Once processed, refunds typically appear on your statement within 5–10 business days, depending on your bank’s policies.([woocommerce.com](https://woocommerce.com/document/sagepay-form/?utm_source=openai))
How can I verify that an Opayo‑processed charge is legitimate?
Start by reviewing your recent orders and receipts around the date and amount of the charge. Look for checkout pages or emails mentioning Opayo, Sage Pay, or Elavon—many merchants state which gateway they use. If you still cannot match it, call your card issuer and ask them to provide the full merchant name from the transaction record. If you suspect fraud, your bank can block the card and begin a dispute while the merchant and Opayo investigate.
Can I contact Opayo directly about a card charge on my statement?
Opayo’s support team primarily assists their business customers (merchants), not cardholders, so they will usually direct you back to your bank or the merchant. For unexplained charges, your most effective route is: 1) identify the likely merchant from your receipts, 2) contact that merchant’s customer service, and 3) if necessary, raise a dispute with your card issuer, who can then engage with the merchant and Elavon/Opayo as needed.([elavon.co.uk](https://www.elavon.co.uk/customer-centre/news-and-insights/opayo-migration-faqs.html?utm_source=openai))
Why do I sometimes see Sage Pay and other times Opayo or Elavon referenced for similar charges?
Sage Pay was rebranded to Opayo and later more tightly integrated under the Elavon brand. As a result, older receipts or descriptors may mention Sage Pay, newer ones may show Opayo, and the most recent documentation and support sites may refer to Elavon with Opayo as a product name. All three refer to the same underlying payment gateway lineage now operated as part of Elavon.([en.wikipedia.org](https://en.wikipedia.org/wiki/Sage_Pay?utm_source=openai))
This merchant is in the Financial Services category