Every eCom Pay account settles the next working day as standard, not as a premium tier. Card takings from the counter, the website and the phone land together in your bank the following working day, which turns settlement from a waiting game into working capital.
24 hrs
approval, once documents are in
150+
currencies processed
4.4
Trustpilot rating
2010
processing payments since
On this page Why it matters · What is included · How it works · In depth · FAQs
Settlement timing sounds like plumbing until a quiet week meets a supplier invoice. Then it is the most important line in the whole agreement.
Check your approval oddsMoney between the card payment and your bank account is money that is nobody’s, and slow settlement quietly makes your customers’ money fund someone else’s float. Next working day settlement closes the gap to its practical minimum.
For most businesses the weekend is the biggest till, and Monday is when suppliers, stock and wages fall due. Settlement that lands the weekend’s trading in time for Monday is the difference between cash flow and cash anxiety.
Predictable next working day settlement means you can schedule payments out against money coming in, with the confidence that the timing holds in December exactly as it did in June.
Simple by design, one consolidated settlement, the next working day, every channel included.
Card takings settle to your business bank account the next working day on every eCom Pay account, from the first month onward.
Counter terminals, the website, phone payments and payment links all consolidate into one settlement with one reference, so reconciliation is one line, not four.
Settlements land with clear references matching your reporting, so matching money to trading days takes minutes.
Sell in 150+ currencies and settlement still arrives consolidated in your settlement currency from 25+, keeping international trading as tidy as domestic.
Proper up-front underwriting is what keeps settlement behaving in month six exactly as agreed on day one, with no surprise holds mid season.
With timing predictable, stock orders, supplier terms and payroll can be planned against money that arrives when expected.
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
What next working day settlement actually looks like against the rhythm of a trading week.
Friday and Saturday takings, usually the biggest of the week, land in the bank the next working day, in time for the Monday supplier run.
Each trading day settles the following working day with matching references, so the bank statement reads like a diary of the shop floor.
December settles on exactly the same timing as February, because peak volume was underwritten from day one and triggers nothing.
As volume grows, settlement timing stays put and rates get reviewed, which is the direction of travel a growing business deserves.
Settlement is one pillar of the account. See multi-currency for international trading and the features hub for the full set.
The next working day, as standard, on every account. Card takings from all your channels consolidate into one settlement that lands in your business bank account the following working day, with clear references for reconciliation.
No. It is the standard tier on every eCom Pay account rather than a paid upgrade, because settlement speed is cash flow and cash flow should not be a premium feature.
The next working day, so a weekend of trading is in the bank in time for Monday’s suppliers, stock and wages. For weekend-heavy businesses this is often the single most valuable thing a provider does.
Yes. Counter terminals, the website, phone payments and payment links consolidate into one settlement with one reference, so the day reconciles as one number rather than four systems.
No. Peak volume is written into the account at underwriting, so December settles on the same timing as any other month. Predictability under load is precisely what proper underwriting buys.
Processing runs in 150+ currencies and settlement arrives consolidated in your settlement currency from 25+, on the same next working day rhythm as domestic trading.
Written by the eCom Pay team. Reviewed August 2026. Last updated August 2026.
Next working day settlement as standard, every channel consolidated, approved in 24 hours once your documents are in.
See the full features hub, or how settlement pairs with multi-currency trading.