Every eCom Pay account carries the full set of payment gateway features on one account with one settlement. Multi-currency processing in 150+ currencies, AI-powered fraud protection, hosted and tokenised card security, Open Banking and recurring billing, all switched on as you need them and settled the next working day.
24 hrs
approval, once documents are in
150+
currencies processed
4.4
Trustpilot rating
2010
processing payments since
Start with what you need today and switch the rest on as you grow, with each feature sharing the same account, settlement and support.
Next working day settlement as standard on every account, every channel consolidated, so the weekend funds the week.
ExploreA UK team of 15 in-house specialists around the clock, and a personal account manager available 24/7 by phone, WhatsApp or email.
ExploreProcessing in 150+ currencies with settlement in 25+, so customers pay in the currency they think in and you reconcile on one account.
ExploreAn AI-powered real-time risk engine and a dedicated Risk Analyst tuning the rules to your business, included as standard.
ExploreHosted, tokenised card security keeps card data off your systems and shrinks your PCI DSS workload to a light annual formality.
ExploreSaved cards in a secure vault give returning customers one-tap checkout while real card numbers never touch your systems.
ExploreBank to bank payments with authentication inside the banking app and no card network involved, which means no card chargebacks on those transactions.
ExploreSubscriptions, memberships and instalments billed automatically, with smart retries quietly rescuing failed renewals.
ExploreSend a secure payment link by email or text and get paid without a card form, with 3D Secure 2 protecting every payment.
ExploreTake phone and mail order payments securely from any browser, with the same account and next working day settlement behind them.
ExploreTerminals bought outright with £0 minimum billing, from SoftPOS on your phone to the flagship PAX A920 Pro.
ExploreThe features are designed to reinforce each other, so fraud and chargebacks are fought at four levels at once rather than one at a time.
The real-time risk engine and 3D Secure 2 stop fraud before it authorises, with authenticated transactions shifting liability away from your business.
Open Banking payments run bank to bank with no card network involved, so qualifying transactions carry no card chargebacks at all.
Tokenisation and hosted payment pages keep real card data out of your systems, so there is less to steal and less for you to secure.
Dispute tools in the dashboard and a dedicated Risk Analyst handle the rare cases that get through, and refine the rules so the same gap does not open twice.
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
Written by the eCom Pay team. Reviewed August 2026. Last updated August 2026.
Experienced underwriters process your application and guide you step by step, approved in 24 hours once your documents are in, with the full feature set behind one account.
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