A no contract card machine from eCom Pay is bought outright with £0 minimum monthly billing, so you are free to walk away whenever you like. Rates are agreed against your turnover by experienced underwriters, money settles the next working day, and a UK team is on the phone around the clock.
24 hrs
approval, once documents are in
150+
currencies processed
4.4
Trustpilot rating
2010
processing payments since
On this page Choosing well · The range · Which machine fits · Getting started · FAQs
Plenty of card machine quotes carry the words no contract. Whether the offer behind them lives up to the words comes down to three lines, so here is what we would check in any quote, and our answer to each.
Check your approval oddsOwnership decides what a terminal costs over its life. A rented machine keeps costing money for as long as you hold it, and handing it back can carry conditions. Our answer is simple. You buy the terminal once, outright, and it is yours from day one.
A minimum monthly billing charge sets an amount of transaction fees you must generate each month, or you pay the difference. It is the easiest line in any quote to miss, and it quietly recreates a contract even where no contract is promised. Ours is £0, every month.
No contract should mean you can walk away whenever you like, with nothing owed and nothing to return. Read the exit terms in any quote as carefully as the rates. With eCom Pay the terminal is already yours, so leaving is as simple as it sounds.
Minimum billing is worth understanding because it changes what a quiet month costs. As an illustration, a £15 monthly minimum at a 0.5% transaction rate needs £3,000 of card sales every month before it stops costing extra. Below that, the difference is paid regardless of what was taken. Every eCom Pay account carries £0 minimum billing, so a quiet month costs you a quiet month, nothing more. The full comparison, with the questions to ask about any quote, lives in our card machine comparison guide.
Four ways to take payment face to face, all on the same account, the same next working day settlement and the same £0 minimum billing.
The portable pick. Pairs with your phone over Bluetooth and takes contactless, Chip and PIN and swiped payments anywhere you trade. Works hardest for businesses taking around £2,500 a month or more on card.
See the HiLiteThe countertop starter. A reliable wired terminal for fixed tills and front desks, bought outright with the same £0 minimum billing behind it. A natural first machine when you are keeping things lean.
See the PAX A80The flagship Android terminal. Touchscreen, 4G and WiFi and all-day battery for busy counters, tables and queues. When face to face volume is the heart of your business, this is the machine it deserves.
See the A920 ProNo terminal at all. SoftPOS turns the Android phone already in your pocket into a contactless card machine, which makes it the lightest possible way to start taking card payments today.
Ask about SoftPOSThe right no contract card machine follows your card takings. Wherever you start, the account and settlement stay the same as you move across the range.
SoftPOS on your phone or the PAX A80 countertop keep your costs close to zero while the card takings build. You still get next working day settlement and the same UK team behind you.
This is where the Handpoint HiLite starts working hardest, with tailored rates agreed against your actual turnover and one fixed software fee behind a terminal you own outright.
The PAX A920 Pro carries high daily volumes with a touchscreen, receipt printing and all-day battery. Built for hospitality, retail and anywhere the card machine never gets a rest.
Your specialist moves you across the range without starting again. Same account, same settlement, same support line. Only the hardware in your hand changes.
Fair. So here is what UK merchants say after switching to eCom Pay, in their own words.
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
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
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
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
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
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
A no contract card machine is a card terminal you can use without a long term service agreement, so you are free to leave whenever you like. At eCom Pay you buy the terminal outright with £0 minimum monthly billing, which means there is no contract to serve out and no hardware to hand back.
Broadly, yes. Pay as you go usually describes paying a percentage per transaction with no monthly commitment. The line worth checking in any pay as you go quote is minimum billing, because a minimum quietly recreates a monthly commitment. Ours is £0, so pay as you go really does mean pay as you go.
A minimum billing line sets an amount of transaction fees an account must generate each month, or the merchant pays the difference. As an illustration, a £15 monthly minimum at a 0.5% rate needs £3,000 of card sales a month before it stops costing extra. eCom Pay accounts carry £0 minimum billing.
One transparent monthly software fee covers the security, compliance and updates that keep your terminal certified and safe to trade on. It is a single line, set out in plain terms before you sign, and it is the only monthly charge attached to owning the machine.
Yes. The terminal is bought outright, so it is yours, and there is no long term contract or exit fee behind the account. Merchants stay because the setup works, and that is the only reason we want anyone to stay.
It follows your card turnover. SoftPOS or the PAX A80 suit businesses starting out, the Handpoint HiLite works hardest from around £2,500 a month on card, and the PAX A920 Pro carries busy counters and queues. Your specialist sizes it to your real numbers, then moves you across the range as you grow.
Experienced underwriters agree your rates against your actual turnover rather than a category average, then review them as your business grows. There is no setup fee to apply, and your money settles into your account the next working day.
Your account is approved in 24 hours once your documents are in, and your specialist confirms hardware delivery when you order, typically within the week. The terminal arrives configured and tested, ready to take its first payment on arrival.
Written by the eCom Pay team. Reviewed August 2026. Last updated August 2026.
Bought outright, £0 minimum billing, next working day settlement. Approved in 24 hours once your documents are in, with a terminal in your hand this week.
Comparing your options? Read the card machine comparison guide or see all face to face card payments.