SoftPOS from eCom Pay turns any NFC enabled Android phone or tablet into a card machine. Customers tap a contactless card, Apple Pay or Google Pay on your device, higher value payments are confirmed with PIN on the phone, and there is no card reader, no terminal and nothing to charge overnight. Download the app, activate the account, take payments, settled the next working day.
24 hrs
approval, once documents are in
150+
currencies processed
4.5
Trustpilot rating
2010
processing payments since
Yes. eCom Pay SoftPOS turns an NFC enabled Android phone or tablet into a card machine. Customers tap a contactless card, Apple Pay or Google Pay on your device, higher values are confirmed with PIN on the phone, and there is no reader or terminal to buy.
NFC enabled Android smartphones and tablets on Android 8.0 or later, including rugged enterprise handhelds. The app is installed from Google Play and the account is activated remotely.
Yes. The software is built to the PCI MPoC standard for mobile payments on commercial devices, which protects PIN entry and transaction processing on an ordinary phone, and it runs on a PCI DSS Level 1 gateway.
Next working day, to your UK business bank account, with no rolling reserve, the same as every eCom Pay merchant.
On this page Why it matters · What is included · How it works · In depth · FAQs
Every modern Android phone has the NFC chip a card terminal uses. SoftPOS adds the certified software that makes it a secure point of sale, so businesses that never justified a terminal, or need a second one for the busy day, take card payments on the device already in their pocket.
Start your applicationA market stall, a delivery driver, a mobile hairdresser or a pop-up event does not need a terminal, a dock and a charger. The phone they already carry accepts the card.
Built to the PCI MPoC standard for mobile payments on commercial devices, so PIN entry and transaction processing on a standard phone are protected to the level a terminal is.
The app installs from Google Play, the account is activated remotely, and the first tap can happen the same day. No shipping, no waiting for a device.
Most businesses download the app and start. Businesses with their own Android app embed the SDK and keep everything in their own branded experience.
A ready to use app from Google Play. Install it, sign in to your activated account, and the phone is a card machine. Ideal for sole traders, mobile businesses, events and any counter that needs a second device on a busy day.
A software development kit that embeds tap to pay inside your own Android app, for businesses and platforms that want a fully branded flow and payments built into a wider customer journey. In-house developers help with the integration.
Payments above the contactless limit are confirmed with the customer entering their PIN on your screen, protected by the PCI MPoC certified software, so there is no ceiling on what you can take.
Contactless Visa and Mastercard, Apple Pay and Google Pay, all accepted with the same tap.
SoftPOS sits on the same merchant account as your online checkout, Pay by Link, virtual terminal and any PAX terminals, with one settlement report.
Keep the app on a spare phone as a fallback for a terminal fault or a queue that needs a second till, with no rental for the privilege.
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
SoftPOS is not a replacement for every counter. It is the right tool for the businesses and the moments where a terminal never made sense.
Low to medium volume, mobile or occasional trading, or a business starting out. SoftPOS is the whole setup, with no hardware cost and nothing to lose or charge.
A fixed busy counter with receipts, a till and staff sharing a device is still a PAX A920 Pro or A80 job. Both run on the same account, so choosing one never rules out the other.
A terminal at the counter and SoftPOS on a phone for the queue, the delivery van or the outdoor table. One account, one settlement report.
Platforms and businesses with their own Android app embed the SDK and keep payments inside their own experience.
Need a receipt printer, a fixed till position or a device staff share all day? Compare the card machines or see the PAX A920 Pro.
The eCom Pay SoftPOS app and SDK run on NFC enabled Android devices. If your team is on iPhone, a PAX A920 Pro or the Handpoint HiLite gives you a mobile card machine on the same account, and the team can advise which fits.
No practical one. Payments above the contactless limit are confirmed with the customer entering their PIN on your phone, so the ceiling is your merchant account limit rather than the contactless cap.
Yes. Mobile wallets and contactless Visa and Mastercard are all accepted with the same tap.
No. SoftPOS runs on your eCom Pay merchant account alongside online checkout, Pay by Link, the virtual terminal and any PAX terminals, with one settlement report covering everything.
A software development kit that puts tap to pay inside your own Android app. It suits platforms, delivery businesses and any company that wants payments inside its own branded flow. In-house developers help with the integration.
Approval takes 24 hours once your documents are in. Because nothing is shipped, the app can be installed and activated the same day the account is approved.
Yes. Many merchants keep the app on a spare phone for a terminal fault or a busy queue. There is no rental and no minimum billing on the app, so it costs nothing to keep ready.
There is no hardware, so there is no terminal rental, no device contract and no early termination fee. Merchant account terms are set out in your agreement before you sign, with nothing added later.
Experienced underwriters process your application and guide you step by step, approved in 24 hours once your documents are in, with nothing to ship.
Compare with the mobile card machines, see no contract card machines, or explore every way to take payment in person.
AI answers can be wrong. For anything important, call 0345 548 0072.
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