Make and receive secure car payments
on Gumtree

Secure online car payments

Gumtree aims to make finding the right car for your needs and budget an exciting, hassle-free journey. That’s why we’ve partnered with Online Payment Platform (OPP) to bring you a new payments system – to make it even easier when buying your next car from a private seller via Gumtree.

This new payment offering is fast, simple and secure – you can feel confident knowing that payments have been verified by your bank.


You will be logged in to your bank using an encrypted end-to-end connection


Your credentials will never be made accessible to other users


Make quick payments at the click of a button, direct from your bank

How do secure payments on Gumtree work?

Making or receiving secure payments on Gumtree couldn’t be simpler. With just two steps, you’ll be able to buy or sell a car easily and conveniently.

Step 1 – Set up secure payments

To make or receive payment on Gumtree, you’ll need to verify your ID and bank details through our payment provider, Online Payment Platform (OPP). You are required to use a UK or EU bank account that is registered in your name.

Step 2 – Make or receive open banking payments

Sellers can opt in to Online Payment Platform (OPP) when they post an ad, and buyers can see which sellers offer it by clicking the ‘Accepts secure payments’ badge. Payments are made directly from your bank account, making the process simpler and safer for you.

What are the benefits of using secure payments on Gumtree?

Paying for a car on Gumtree is quick, secure and easy to use.

Fast online transactions
Payments through Gumtree’s partner Online Payment Platform (OPP) can be made in minutes, and remove the need to carry cash to meet the seller. 

Added security
Our payment provider, Online Payment Platform (OPP), will verify users before payments are made, including checking IDs and bank details. This is to give you peace of mind when it comes to car transactions.

Privacy Protections
As a buyer, once you have been verified by Online Payment Platform (OPP) you can pay without sharing any account or card details – you simply connect securely to your mobile or internet banking and approve the payment.

Digital Records
With secure payments, buyers receive fast payment confirmations and sellers get proof of purchase as soon as the buyer pays. This means everyone  has a digital record of the transaction and their anonymity stays protected.

Are there any fees or exclusions with secure payments?

At the moment, secure payments on Gumtree are only available to private buyers and sellers in the Cars category, creating added security for this type of transaction. Please note that our payment provider, Online Payment Platform (OPP), charges a 0.7% fee to cover the payment transfer, payment support, documentation checks, and proof of purchase.

General FAQs

What is Open Banking?


Open Banking is a new way of making quick online payments for goods or services directly from your bank account. This means that buyers will have the extra level of security provided by their bank. You can learn more about Open Banking here.

Which banks offer Open Banking?


The following six banks will be supported by Online Payment Platform (OPP) for payments on Gumtree:

Barclays, HSBC, Lloyds Bank, Nationwide, NatWest and Santander

We hope to make more banks available in the near future.

Who is Online Payment Platform (OPP)?


Online Payment Platform (OPP) is our payment partner. They are a regulated payment service provider that specialises in payments on marketplaces. Online Payment Platform (OPP) helps Gumtree facilitate easy, safe and verified transactions between buyers and sellers. You can find out more about Online Payment Platform (OPP) on its website.

What Gumtree purchases can I make using Open Banking?


Open Banking is currently available in the Cars category, and payments can only be made between private car buyers and sellers.

How do I begin using Open Banking payments on Gumtree?



As a private seller you will be invited to accept Open Banking payments when you post an ad – simply follow the steps provided. Alternatively, sellers can set up payments any time by visiting the ‘My details’ section of their account and following the instructions to validate their ID and bank details.


Buyers can click the ‘Accepts secure payments’ badge to see which private sellers offer Open Banking. Buyers can sign up for Open Banking via the ‘My details’ section of their account and submitting their ID for validation, or through messaging sellers who accept secure payments. 

Setting up payment FAQs

Why do I need to verify my ID to set up secure payments?


All buyers and sellers who want to pay securely on Gumtree will need to have a valid form of ID verified by our payment provider Online Payment Platform (OPP). This is to ensure that all transactions take place between verified buyers and sellers. Please note that verification can take up to 1 working day.

What documents can I use to verify my ID?


You can use a valid form of ID such as a passport, ID card or driving licence. Our payment provider Online Payment Platform (OPP) is licensed to accept ID documents and provide payment services in the following countries: 

UK, Austria, Belgium, Bulgaria, Croatia, Republic of Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain and Sweden.

If your ID document is not from one of the countries above, Online Payment Platform (OPP) will get in touch for extra information.

Making and receiving payments FAQs

How long do payments take to process?


In most cases the seller will receive the money within a couple of minutes, however, in some cases the transfer can take up to XX hours. The length of time it takes to process payments depends on your bank.

Remember: As with all transactions on Gumtree, you should only transfer money after seeing an item – in this case the car you are purchasing –  and confirming that you are completely satisfied with it. This will allow you to ensure that the car is as described and is the best way to avoid any future issues. Before committing to a purchase, we recommend that you read Gumtree’s guides on safe buying and selling.