Upgrade your online payment processing with the Autify & Lloyds® payment gateway integration for OpenCart. Autify’s extension lets you effortlessly connect the trusted Lloyds acquiring solution to your OpenCart store through a secure hosted payment page. Offer a seamless checkout journey that also supports Apple Pay® and Google Pay™, while your business enjoys reliable, PCI-friendly payment processing and dedicated support from Autify’s integration specialists.

Not a Lloyds merchant? Enquire here

How the Extension Works

The Autify & Lloyds extension for OpenCart plugs directly into your native OpenCart checkout. When a customer is ready to pay, they are securely redirected from your store to the Lloyds hosted payment page, where they select their preferred payment method — card, Apple Pay, or Google Pay — and complete the transaction. Once the payment is authorised, the result is confirmed in real time via webhook, the order status in OpenCart is updated automatically, and both the merchant and customer receive confirmation.

From your OpenCart admin panel, you have complete control over the payment experience. Configure sandbox/live modes, set order status mappings for successful, pending and declined transactions, and process refunds — full or partial — without ever leaving OpenCart. All transactions are logged against the order, making reconciliation and support straightforward.

When to Use This Extension

This extension is ideal for OpenCart merchants — who want to accept card payments through a reputable UK acquirer without the overhead of managing card data on their own servers. The hosted payment page approach keeps PCI obligations to a minimum, while Apple Pay and Google Pay support ensures customers on mobile and desktop get a fast, modern checkout experience.

The Customer Experience

Your customers will appreciate the simplicity and professionalism of the checkout flow. They add products to the cart, proceed to the OpenCart checkout, and confirm their order. They are then redirected to the secure Lloyds hosted payment page to complete the transaction using card, Apple Pay or Google Pay. The entire process takes just moments, and customers are returned to your store with immediate confirmation of a successful payment — or a clear message if the payment was declined.

Features of our Integration for OpenCart

Redirect Payment Method — Process payments through a secure Lloyds hosted payment page that fits seamlessly into your OpenCart checkout journey.

Trusted Payment Options — Accept credit and debit cards through the Lloyds Cardnet acquiring network, in line with the card schemes enabled on your merchant account.

Apple Pay® Support — Let customers pay quickly using Apple Pay on compatible devices and browsers via the hosted payment page.

Google Pay™ Support — Accept payments via Google Pay for a frictionless checkout across Android and Chrome.

Refund Management — Process full or partial refunds directly from the OpenCart order page, with the option to revert stock quantity levels.

Real-Time Webhook Sync — Order status and inventory data stay up to date automatically via secure webhook notifications.

Configurable Order Statuses — Map Lloyds transaction outcomes (success, pending, decline, void, refund) to your own OpenCart order statuses.

Sandbox & Live Modes — Full support for Lloyds test environments so you can validate the integration before going live.

PCI-Friendly Architecture — No card data enters or is stored on your OpenCart server, supporting PCI DSS SAQ A scope.

Dynamic Merchant Name — Merchant name shown on the hosted payment page is driven dynamically from configuration.

Detailed Transaction Logging — Sanitised logging for debugging and transaction auditing, with PII redaction.

Dedicated Customer Support — Free first-line support and updates from Autify Digital's integration experts.

Security & Compliance

The Autify & Lloyds extension for OpenCart uses a redirect payment method to ensure the highest level of security for your business and your customers. When a customer is ready to pay, they are seamlessly redirected from your OpenCart store to the secure Lloyds hosted payment page. All sensitive payment information, including credit and debit card details, is entered directly on Lloyds' PCI DSS compliant servers — never on your OpenCart website.

This redirect approach means no customer payment data is entered into, processed by, or stored on your server at any point during the transaction. Your server only receives non-sensitive transaction confirmation data via secure webhook notifications, such as the payment status and reference number. As a result, this integration supports PCI DSS SAQ A compliance, the simplest and least burdensome level of PCI compliance for merchants, significantly reducing your compliance obligations and security risks.

The Lloyds Online Payment gateway combined with Autify’s OpenCart extension offers a redirected payment method, meaning transactions are handled by Lloyds directly, not on the business's server. Businesses can therefore enjoy peace of mind that their online payment processing is compliant and meets the necessary standards.

Businesses remain responsible for ensuring they are compliant with any necessary financial regulations when using Lloyds.

Account & Pricing

A separate Lloyds merchant services account is required to use this extension. The account must be set up directly with Lloyds before installing and configuring the Autify extension — it is not created during the extension installation process.

To apply for a Lloyds merchant services account, visit: https://www.lloydsbank.com/business/take-payments-with-cardnet.html

Additional fees apply for payment processing services provided by Lloyds. These fees are separate from the cost of the Autify extension and are determined by Lloyds based on your business requirements and transaction volumes. For detailed pricing information, please visit https://www.lloydsbank.com/business/take-payments-with-cardnet/our-prices.html or contact their sales team directly.

Please note, Autify Digital cannot assist with the Lloyds account setup process or pricing enquiries. For account-related questions, please contact Lloyds directly through their website.

Customise Your Integration

We understand that every business is different, so we are here to help you get the most out of your Autify & Lloyds OpenCart extension. If there are any features you require, or for any queries you have about the extension, please contact Autify at cardnet@autify.co.uk.

Trademark

Lloyds and Lloyds Bank are trading names of Lloyds Bank plc. Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no. 2065. Lloyds Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278.

Apple Pay® is a trademark of Apple Inc., registered in the U.S. and other countries.

Google Pay™ is a trademark of Google LLC.