What’s the difference between Worldpay, Opayo, Stripe and Adyen for UK Magento stores?

Pick by use case:

• Worldpay (FIS / Vantiv-owned) — the legacy UK leader, best for established UK retailers with bank-direct relationships. Solid fraud tools.
• Opayo (formerly SagePay, now Elavon) — very common with mid-market UK SMEs. Good for predictable monthly fees.
• Stripe — best developer experience, easiest scaling abroad (US / EU multi-currency), modern Strong Customer Authentication (SCA / 3DS2). Slightly higher base rate.
• Adyen — enterprise / multi-region. One contract for UK + EU + APAC, unified reporting, but minimum monthly volume.

We integrate any of them — many UK stores run Stripe + Klarna + BACS as a three-rail stack.