Specialist underwriting from people who understand your sector.
★★★★★
Local support|Global reach
eCommerce payment gateway experts
eCom Pay is a UK payment gateway and high risk merchant account specialist. Online, in person and specialist sector payments, with UK-based support, next working day settlement and underwriting that understands your business and the technology behind it. We offer payment gateways for all major platforms, virtual terminals and face to face card payment solutions.
24 hrs
approval, once documents are in
150+
currencies processed
4.5
Trustpilot rating
2010
processing payments since
Accepting every major payment method, plus 50 more worldwide through a single integration
Get approved, get paid, get supported
Processing from £10K to £10M, with a personal relationship at every stage of your business.
Next working day settlement and 150+ currencies.
UK-based specialists who know your account, available 24/7.
3D Secure 2, tokenisation, fraud screening and chargeback support.
Online, in person, recurring, Open Banking and international payments.
Website experts, not just payments. Our in-house developers and ecommerce team are 5 star rated and here to help you take more through your website. Ask us for a free website audit.
Recently approved: Vape retailerRecently approved: Online pharmacyRecently approved: Dessert and food brandRecently approved: Automotive parts sellerRecently approved: Takeaway and ordering siteRecently approved: Travel agencyRecently approved: CBD storeRecently approved: Forex platformRecently approved: Crypto merchantRecently approved: Subscription boxRecently approved: Salon and bookingsRecently approved: Adult and datingRecently approved: Vape retailerRecently approved: Online pharmacyRecently approved: Dessert and food brandRecently approved: Automotive parts sellerRecently approved: Takeaway and ordering siteRecently approved: Travel agencyRecently approved: CBD storeRecently approved: Forex platformRecently approved: Crypto merchantRecently approved: Subscription boxRecently approved: Salon and bookingsRecently approved: Adult and dating
Selling in more places than your gateway can keep up with?
eCom Pay puts every way you take payment on one account with one settlement. Start with what you need today and switch the rest on as you grow.
Get in touch and take advantage of our multi payment packageseCommerce payment gateways
Checkout for WooCommerce, Shopify, Adobe Commerce and custom builds, with tokenisation and one-click payments included. Free to integrate, installed by our team.
Explore gateways
Take payments over the phone
Key in card payments from any browser, no hardware needed. Ideal for phone orders, deposits and invoices settled by call.
See the virtual terminal
Get paid without the chase
Send a branded, 3D Secure payment link by text or email and get paid in minutes. Smart reminders do the chasing for you.
Send payment links
Subscriptions on autopilot
Memberships, subscriptions and instalments billed automatically, with stored cards kept safe through tokenisation and smart retries for failed payments.
Set up recurring billing
Pay by bank, zero chargebacks
Bank to bank payments that move in seconds and cannot be charged back, with strong authentication handled inside the customer banking app.
Take bank payments
In person, sorted
The PAX A920 Pro and a full terminal range, with eCom POS tying tills, stock and payments together. No long contract.
Compare card machines
These sectors get approved here
If another provider has turned you away, you are exactly who we built this for.
Sell to the world, settle in your currency
Let customers pay in their local currency and abandon fewer baskets to confusion. We process in over 150 currencies and settle in more than 25, matched to the acquirer that fits your business, so international customers check out in the money they think in.
£ Pound
$ Dollar
€ Euro
¥ Yen
and 145 more
150+
processing currencies
25+
settlement currencies
T+1
next working day settlement
T+1
settlement available
One account for every way you take payment
- Online checkout
- Pay by Link
- Virtual terminal
- Face to face card machines
- Recurring billing
- Next working day settlement
- 150+ currencies processed
- Settlement in 25+ currencies
- Open Banking bank to bank, no chargebacks
- Tokenisation
- 3D Secure 2
- Saved cards and one click
- Multi-currency
- AI risk screening
- AI fraud screening
- Chargeback management
- Personal account manager, available 24/7
- Phone, WhatsApp or email
One login. One settlement. One team to call.
What makes eCom Pay different, and the right choice for you
View our quick video to understand how we solve our customers' problems with personal relationships and a deeper understanding of your business and the technology used to power it.
What our merchants say
Fair. So here is what UK merchants say after switching to eCom Pay, in their own words.
No hidden fees, best so far
It was such a pleasure working with eCom Pay for my company, very straightforward to set up and the team were so helpful. No hidden fees, cost efficient, and from using other platforms before I can say this has been the best so far.
Verified merchantvia Trustpilot
Simpler than the big names
We found eCom Pay to be a simple, efficient payment system to integrate, with a lot of support behind it. Would recommend them over competitors who charge far too much.
Verified merchantvia Trustpilot
Set up fast, better rates
Great customer service from eCom Pay. Needed a card reader for my business, they had me set up fast and gave me better rates than the last company. Highly recommend.
Verified merchantvia Trustpilot
Sales noticeably improved
Super impressed with eCom Pay. The transaction fees are competitive, and I love that my customers have multiple payment options, which has noticeably improved my sales.
Verified merchantvia Trustpilot
Transparent, reliable, efficient
Good service from eCom Pay. The card machines are reliable and easy to use. I like that there are no hidden fees and everything is explained upfront.
Verified merchantvia Trustpilot
Always answers when I need help
Would highly recommend. Easy, simple, and always answers when I need help. The best payment gateway I have come across, with a wide variety of packages available.
Verified merchantvia Trustpilot
Real results from merchants who switched
Trustpilot stars are one thing. Here is what changed for businesses in your position.
Vape and e-liquids
Turned away across the board, then set up properly
A vape and e-liquid retailer had been turned away across the board and hit with frozen funds. We placed them with specialist acquiring that understands the sector and got them processing again, safely.
Read the case study
Food and desserts
Off slow Stripe payouts onto next day settlement
Delicious Desserts was stuck with delayed Stripe settlements and long payout waits that strained cash flow. We moved them to next working day settlement so the money lands when they need it.
Read the case study
Automotive parts
From serial account freezes to £1m+ with no holds
Find A Part came to us after a difficult run with previous setups. With eCom Pay they trade at over £1m a year with no holds, plus full chargeback support and handling.
Read the case study
Hospitality
Rates cut by 50% with next day settlement
River Spice in Portsmouth was paying high fees to Teya with no contract machine provided. We halved their rates, supplied the terminal and switched them to next day settlement.
Read the case study
Online pharmacy
From unfair chargebacks to next day settlement
YourMedical, an online pharmacy, was hit with unfair chargebacks, delayed settlements and constant card declines. We moved them to next working day settlement and improved checkout conversion with tuned risk rules.
Read the case study
Travel
Off Stripe freezes and rolling reserves
Interair Holidays, a global travel agency, faced Stripe freezes, no chargeback support, delayed settlements and rolling reserves. We gave them specialist travel acquiring with real dispute support and money that lands on time.
Read the case study
Free payment gateway
Find your platform
Quoted a setup fee just to start taking payments?
You should not pay to plug a gateway into the store you already built. Our integration is free on every major shopping cart, the plugin is free, and our team install it for you. You only ever pay per transaction. Tell us your platform and we will set it up.
Small business? No problem
The PAX A920 Pro in your hand this week, paired with eCom POS if you want tills, stock and payments in one place. Walk away whenever you like.
£0 minimum billing terminals bought outright, no hidden extras
*Subject to approval. Rates are tailored to your business type and volume.
Custom payment solutions
We design and build custom payment products in house
We came from eCommerce development, so when a standard gateway will not fit your model we build the one that does. Bespoke checkouts, custom plugin development and a full REST API, delivered by developers on our own payroll.
Been told your industry is too risky to process?
Every application here is handled by experienced underwriters who read the business behind the form and guide you step by step. That is how we approve well across the full spread of sectors, from everyday retail to the most specialist high risk industries.
eCommerce and retailStores online and on the high streetHospitality and takeawaysOnline ordering and table serviceSalons and healthcareAppointments and treatments paid up frontHotels and bookingsDeposits, balances and reservationsService based businessTradespeople, agencies and consultantsShops and venueseCom POS tills and terminalsBuilt with AILovable, Bolt, Claude, Cursor, ReplitSubscriptions and membershipsRecurring billing with smart retries
Online pharmaciesGPhC and MHRA aware onboardingTravelDeposits, balances, high valuesCryptoGBP settlement, compliance ledTrading and forexHigh volume, multi-currencyGamingMicrotransactions and subsVapeAge verification built inAdult and datingDiscreet billing, subscriptionsCBD and supplementsCompliant processing built in
T+1
next working day settlement, no rolling reserve
24 hrs
from approved application to taking payments
4.5
rated by merchants on Trustpilot
2010
processing payments for businesses since
3D Secure 2
Strong customer authentication on every eligible payment, shifting fraud liability away from you.
Tokenisation
Card details replaced with tokens, so there is nothing worth stealing.
UK support around the clock
A real person in the UK, on the phone, 24/7 when something needs fixing.
AI fraud screening
Every transaction scored in real time, with rules tuned by your Risk Analyst.
Industry news and tips
Plain English answers to the questions UK merchants search for.
Tell us what you sell
A quick call, a tailored quote, and live within 24 hours of approval.