Complete guide to payment methods with Nuvei
How do payments work with Nuvei? This guide explains fees, settlement times, APMs, and cross-border payments.
| Business Idea | Key Takeaways |
|---|---|
| (1) AI Search Consulting 🤖 | Help brands pivot from traditional SEO to Generative Engine Optimisation (GEO) to ensure visibility in AI-generated summaries like ChatGPT and Perplexity. |
| (2) Mobile App Development 📱 | Focus on high-growth niches like health-tech and fintech, using cross-platform frameworks to deliver AI-powered, user-friendly experiences. |
| (3) Website Design and Development 💻 | Create "agentic" websites that act as high-performance hubs, using AI to automate customer enquiries, lead capture, and bookings. |
| (4) Virtual Assistance ⌨️ | Transition from general admin to AI-native operations, specialising in CRM management and technical coordination to triple task capacity. |
| (5) Social Media Management 📱 | Utilise social platforms as search engines and implement "Social-First Sales" by integrating customer service DMs with shoppable content. |
| (6) Freelance Illustrator 🎨 | Provide bespoke, human-centric visuals for tech and publishing sectors to help brands overcome "stock photo fatigue." |
| (7) Selling Digital Courses 🎓 | Offer interactive, cohort-based "Learning Journeys" that solve niche problems, such as AI implementation for specific professional sectors. |
| (8) Online Event Hosting Platform 🎧 | Provide bespoke Event-Platform-as-a-Service (EPaaS) using spatial audio and AI networking tools for virtual trade expos and summits. |
| (9) Content and Copywriting Services ✍️ | Act as a strategic consultant to humanise AI-generated content and ensure storytelling is optimised for new generative search engines. |
| (10) Affiliate Marketing 🔗 | Build authority in high-ticket niches, such as green-tech, using AI tools to create hyper-personalised product galleries for eco-conscious shoppers. |
| (11) 3D Printing Services 🖨️ | Launch local "Additive-as-a-Service" hubs to produce spare parts and custom medical components, bypassing fragile global supply chains. |
| (12) Construction Business 🏗️ | Focus on Modern Methods of Construction (MMC) and eco-retrofitting to align with new government housing targets and biodiversity rules. |
| (13) Early Years Childcare Provision 🧸 | Capitalise on the shortage of places by opening nurseries in underserved areas to meet the demand from expanded government funding. |
| (14) AI-Driven Fraud Detection and Cybersecurity 🛡️ | Provide SMEs with real-time threat detection and automated incident response to protect against increasingly sophisticated AI-led phishing attacks. |
| (15) Immersive Technology (AR) for Retail 🕶️ | Develop "try before you buy" browser-based tools for mid-sized retailers to increase conversion rates through virtual product visualisation. |
Will 2026 be the year you finally step foot into the world of the self-employed?
With inflation still biting and the economy shifting, more people are choosing to build their own businesses. They want control, flexibility, and a future that isn’t tied to one paycheque. In the UK, this mindset is gaining real momentum.
This guide walks you through 15 best business ideas to start in the UK in 2026. Some ideas stay local. Others scale fast and cross borders.
And if your business works with international clients or suppliers, Wise Business can help you move 40+ globally with transparent fees and the mid-market exchange rate.
As the UK moves into 2026, AI Search Consulting is shaping up to be a strong and timely business opportunity.
Online search no longer revolves around a single “Google-first” model. More than 40% of analytics queries now happen through natural language, and zero-click searches continue to rise 1.
Consequently, many UK small and medium-sized businesses struggle to stay visible.
Traditional SEO alone no longer delivers results. If you are transitioning from traditional marketing, learning how much to charge for freelance SEO is a good start.
However, you would need to build on it by researching the new technical demands and appropriate pricing demands of what some call Generative Engine Optimisation (GEO).
The demand is clear. While 88% of UK firms already use AI, only 5% see meaningful value from it. This gap creates a clear opportunity for consultants 2 3.
By 2029, Gartner expects 80% of customer interactions to be AI-powered, making personalisation essential, not optional 4.
An AI consultancy helps businesses bridge this gap by offering:
In a post-Brexit economy, this high-margin service strengthens digital resilience and long-term competitiveness.
Mobile app development continues to sit at the heart of the UK’s digital economy. It’s now worth around £28 billion 5.
Over 96% of the UK population owns a smartphone, and users spend close to four hours a day inside apps 6. This clearly reflects that mobile is no longer a “nice to have.” It is essential.
This shift has pushed UK small and medium businesses to invest in custom apps that automate processes.
They connect directly with customers and help close more deals. The strongest opportunities lie in fast-growing niches where mobile and intelligence meet. These include:
Developers are also changing how they build. Instead of basic web-based apps, many now use cross-platform tools like Flutter and React Native.
These frameworks can cut development costs while still delivering near-native performance.
If you plan to start a mobile app development business, focus on instant, user-friendly apps with predictive AI features.
Strong UX should come first, as it directly impacts retention and revenue. Also, build maintenance, updates, and optimisation into your pricing model.
Know that well-maintained apps deliver a higher lifetime revenue than one-off builds. This can make long-term contracts more scalable and financially stable.
Website design and development has become a core business infrastructure in the current economy.
Given that UK digital agency revenue is expected to reach £20.4 billion 7, companies now want websites that function like high-performing business hubs rather than online brochures.
While around 74% of UK small businesses already have a website 8, many still rely on slow, static designs that fail to meet modern performance and user expectations.
This shift creates a clear opportunity. The focus is moving toward performance-led design, where speed and user experience drive real results.
Users form an opinion about a brand in just 0.05 seconds, and design shapes the majority of a website’s first impression.
In short, poor UX costs money.
Forward-thinking UK agencies are winning by building “agentic” websites that do more than display content. These sites actively support growth by:
For those entering the market, mastering the sales funnel and learning how to get clients as a freelance web developer will be just as important as the coding itself.
The Virtual Assistance (VA) industry in the UK has evolved from simple admin support to a high-value, specialised partnership.
The global AI customer service market was valued at USD 12.10 billion in 2024. It is expected to grow at a compound annual growth rate (CAGR) of 25.6% between 2025 and 2034 9.
Plus, the UK SMEs are increasingly hiring VAs to close the productivity gap. It saves the cost of full-time staff.
Around 35% of UK businesses now use virtual support 10, with top agencies adopting “agentic” workflows that combine human skills with AI automation.
To build a successful VA business in 2026, ditch the generalist tasks and focus on high-value partnerships.
| Feature | Traditional Admin | AI-Native Operations |
|---|---|---|
| Workflow | Manual data entry | Automated "agentic" workflows 20 |
| Efficiency | 1x task capacity | 3x task capacity with tools like Zapier 21 |
| Hourly Rate | Standard admin rates | £35 to £50 per hour 22 |
| Core Focus | General support | CRM management & technical coordination 23 |
Security and compliance are the two core factors here, particularly for clients in the finance and legal sectors - so it’s worth using “security-first” branding to build trust.
AI tools like Zapier automate workflows, allowing VAs to handle 3x as many tasks as traditional assistants.
This makes the business scalable, resilient, and ready to meet the growing demand for smart virtual support.
Social media is no longer about simple posting. It’s now a data-driven “Community and Commerce” engine.
Since social platforms are now search engines too, there is a massive opportunity for managers to offer “Social-First Sales” strategies.
As you build your client list, it is wise to benchmark your rates and understand how much to charge for freelance social media to ensure you are being compensated for your analytical expertise.
49.3% of UK adults use them to research products and brands 11. This indicates that a strong social presence has become a core driver of customer acquisition.
The opportunity lies in managing multi-channel resonance across platforms like TikTok, Instagram, and LinkedIn.
It won’t be an exaggeration to say that social media managers are more than content creators. They are analysts using AI to track sentiment, engagement, and ROI in real-time.
Research shows 69% of UK businesses plan to increase organic social investment this year 12. This will be a step away from vanity metrics like “likes” toward formats that drive results.
For entrepreneurs, a high-value approach includes offering “Social-First Sales” strategies, such as:
This approach indicates measurable results and a high-margin service that can boost a client’s bottom line.
Freelance illustration in the UK has now gone beyond simple editorial work. Illustrators now shape digital products, branded content, and storytelling experiences.
70% of the visual arts workforce now operates as freelancers 13. British illustrators are increasingly essential for brands looking to bypass “stock photo fatigue” and establish a unique, hand-crafted identity.
For entrepreneurs, freelance illustration is emerging as one of the best businesses to start in the UK from home.
If you’re considering this, know that the primary opportunities lie in commercial illustration for tech and publishing.
The global illustration market grows at about 6.4% per year 14. It’s driven by demand for custom assets in UI/UX design, social media, and visual commerce.
Successful freelancers are embracing hybrid creative roles, combining traditional drawing with:
Focusing on high-growth areas like fintech branding or young adult publishing, illustrators command premium rates.
They also deliver authentic, human-centric visuals. It’s something AI-generated content still struggles to replicate.
The UK’s digital courses market has now taken a new turn. It has matured into interactive, result-focused “Learning Journeys” from simple video lectures. Global inclination is the primary driver of this growth.
The online education sector is now a major part of the digital economy, with IBISWorld valuing it at around £5 billion 15. It’s further driven by the need for upskilling in AI and green technologies.
Professionals increasingly prefer flexible, micro-credential courses over long degrees to stay competitive in a fast-changing job market.
Cohort-based learning is leading the way. Successful UK creators are offering specialised courses that solve real-world problems. For example:
Creators can target high-stakes, niche problems and move away from mass-market platforms like Udemy. And by hosting independently, they can easily keep 100% of their data and build high-value, private communities.
This approach is likely to shift digital courses to a premium business model, enabling entrepreneurs to meet the growing demand for digital education.
Online event hosting in the UK has grown into a high-growth industry. It is primarily driven by businesses seeking sustainability and a global reach.
Companies are moving away from boring video calls to immersive “Extended Events.” This is where they can find a combination of high-definition streaming with AI-powered networking tools.
Successful examples include platforms like Eventcube and hybrid editions of London Tech Week. They use real-time attendee analytics to deliver better ROI for sponsors than traditional physical booths.
For entrepreneurs, the opportunity lies in Event-Platform-as-a-Service (EPaaS). It works on niche sectors, such as:
Hosts create bespoke environments with features like spatial audio and instant translation to attract larger audiences.
This has turned EPaaS into a scalable, high-value business for entrepreneurs ready to tap into the growing hybrid events market.
Content and copywriting services in the UK have shifted from producing large volumes of generic content to delivering authority-driven, high-impact storytelling.
As the UK digital advertising market surpasses £35 billion, businesses no longer want filler content 17. They need content that builds trust and stands out from AI-generated noise.
In fact, 61% of UK businesses plan to increase their content marketing spend this year 12. They intend to focus on “value-first” assets that connect with real people.
Modern copywriters act more like strategic consultants. They help brands humanise AI outputs and stay up-to-date with the latest developments in search and generative engine optimisation to appear in AI search results.
Given 84% of UK marketers use AI daily, the real edge lies in authentic, human-led content that drives measurable ROI 18. If you are starting out in this niche, you should investigate how much to charge for freelance writing to properly value your strategic consulting hours.
Affiliate marketing has become a substantial part of the UK’s performance-driven economy. With consumer habits heavily directed by influencer and community recommendations, it’s now a £1.7 billion market 19.
Brands are seeing an average return of £16 for every £1 spent 19. This means there’s enormous potential for entrepreneurs who know how to position themselves.
The main points for success are:
To scale your revenue beyond basic links, you might also look at established programs; for instance, you can become a wise affiliate partner to earn by recommending transparent financial tools to your audience.
Over time, 3D printing services have become a key part of the UK’s distributed manufacturing movement.
As companies step back from fragile global supply chains, local 3D printing hubs are stepping in. They’re producing spare parts and custom components exactly when they’re needed.
The fact that the UK 3D printing market is now worth around £1.01 billion shows that it accounts for a significant share of the economy 20.
This growth is backed by a strong setup, with over 168,000 3D printers already in use across the country for industrial applications 21.
The real opportunity for entrepreneurs sits in Additive-as-a-Service (AaaS), especially in high-value sectors like:
One standout example is custom dental aligners and prosthetics. These can be printed locally, cutting patient wait times from weeks to just days.
For startups launching in 2026, success will come from combining AI-driven design with low-waste processes. They can create a faster, greener alternative to mass-produced imports.
Like many other developed nations, the UK construction industry is among the most lucrative. As inflation eases here and planning reforms kick in, total output is expected to grow by 3.7% 22. The focus is no longer just on traditional builds.
Instead, the industry is shifting toward Modern Methods of Construction (MMC) and sustainable upgrades. It’s supported by the government’s plan to deliver 1.5 million new homes over the next parliament 23.
This wave of development opens the door for agile, tech-driven firms that understand the updated National Planning Policy Framework, especially its push for high-density brownfield sites.
The biggest opportunities lie in:
As biodiversity net gain (BNG) rules become the norm, builders who incorporate green features such as living walls or swift bricks receive faster planning approvals.
Also, circular construction practices are now a legal requirement. Sustainability has become essential, not optional, for winning high-value contracts.
The UK childcare sector is changing rapidly. It’s mainly driven by the government’s expansion of funded childcare hours. By September 2025, working parents of children aged 9 months to school age will start qualifying for 30 hours of funded childcare 24.
Even though this is excellent news for families, it has created a significant shortage of nursery places. Current estimates suggest the UK needs around 85,000 new childcare places to meet demand 25.
To help close this gap, the government is investing heavily, committing £9.5 billion per year by 2025/26 and increasing hourly funding rates for younger children 26. For business owners, the profitable opportunities are in:
Although staffing and wage costs remain challenges, leasehold nursery models allow faster, lower-risk expansion. This makes childcare a flexible, high-demand market for new and growing providers.
AI-driven fraud detection and cybersecurity are a boardroom priority in the UK. Cybercriminals are now using advanced, agent-led AI to run smarter phishing scams, deepfake attacks, and automated ransomware campaigns.
As a result, UK companies are facing more threats than ever before, and around 85% plan to increase their cybersecurity budgets to stay protected 27.
This creates a solid opportunity for businesses that serve small and medium-sized enterprises. Many of these don’t have the in-house expertise to manage AI-powered risks. High-demand services include:
New ventures can leverage these opportunities and offer threat intelligence as a service.
Moreover, taking on the role of a digital guardian, founders can help companies prevent disruption and secure customer information. This protects the trust that underpins modern business.
It’s 2026, and shoppers now expect smoother, more interactive buying experiences, whether they’re online or in-store.
Augmented Reality helps retailers combine the ease of online shopping with in-store shopping. It lets customers see products in their own space or try them on virtually before buying.
The UK market for enterprise AR and VR is expected to reach £1.5 billion by 2026 28, driven mainly by retail adoption.
The reason is simple: AR works. Retailers using high-quality 3D and AR content are seeing conversion rates spike compared to standard product images.
The best opportunities for businesses include:
Many UK fashion retailers already use AR-powered mirrors to suggest outfits or let shoppers change colours instantly in fitting rooms.
Therefore, if you’re an entrepreneur in this domain, you should consider creating simple, browser-based AR tools for small and mid-sized Shopify stores, so “try before you buy” isn’t limited to big brands anymore.
Wise Business provides UK businesses with the tools they need to handle global growth with ease.
You can effortlessly manage your finances by holding 40+ currencies and using 8+ local account details to receive payments from international clients, just like a local.
To streamline your financial admin, Wise also allows you to connect with accounting software and send money to 140+ countries at the mid-market exchange rate without any hidden fees.
This ensures more of your hard-earned capital stays in your business, ready to be reinvested into your long-term vision.
We’re here to help you join the countless UK businesses and entrepreneurs building the future of our economy.
Be Smart, Get Wise.
*Disclaimer: The UK Wise Business pricing structure is changing with effect from 26/11/2025 date. Receiving money, direct debits and getting paid features are not available with the Essential Plan which you can open for free. Pay a one-time set up fee of £50 to unlock Advanced features including account details to receive payments in 22+ currencies or 8+ currencies for non-swift payments. You’ll also get access to our invoice generating tool, payment links, QuickPay QR codes and the ability to set up direct debits all within one account. Please check our website for the latest pricing information.
Sources:
Sources last checked on 22nd December 2025
*Please see terms of use and product availability for your region or visit Wise fees and pricing for the most up to date pricing and fee information.
This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional.
We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date.
How do payments work with Nuvei? This guide explains fees, settlement times, APMs, and cross-border payments.
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