A crypto payment gateway from eCom Pay lets exchanges, wallet providers, NFT marketplaces and crypto services take card payments from customers, with your settlement arriving in GBP the next working day. Onboarding is compliance led, your registrations are presented as the asset they are, and the account is underwritten by specialists who can tell a well run crypto business from the category headlines.
24 hrs
approval, once documents are in
150+
currencies processed
4.5
Trustpilot rating
2010
processing payments since
A crypto merchant account lets a crypto business, such as an exchange, a wallet provider or an NFT marketplace, take card payments from its customers. With eCom Pay the account is underwritten by specialists, cards are accepted in 150+ currencies and settlement arrives in GBP the next working day with no rolling reserve.
eCom Pay settles crypto related merchants, including exchanges, wallet providers and on-ramps, to a UK business bank account the next working day in GBP, with no rolling reserve. Card to crypto purchases are authorised in real time so customers are funded instantly.
Apply through a specialist. eCom Pay is a separate specialist underwriting stage that presents your exchange properly before the acquirer sees it. A specialist guides you through the application step by step, and approval lands in 24 hours once documents are in.
Card acquiring for crypto merchants runs under the card scheme rules and the merchant needs its own registration where the activity requires one. eCom Pay underwrites registered, KYC compliant crypto businesses and presents that registration as the core of the application.
Yes. Card payments are settled in GBP, or in any of 25+ settlement currencies, to your business bank account the next working day, with no reserve held back.
A direct application to a large acquirer is decided by an automated risk model that scores your category. Your file is one of thousands and the outcome makes little difference to the acquirer. eCom Pay is a separate underwriting stage that sits before the acquirer sees your application, where experienced people build the case for your business and secure the terms.
Next working day settlement and no rolling reserve. Every eCom Pay merchant, including those in high risk and specialist sectors, is settled the next working day with no reserve held back. That is the outcome the specialist underwriting stage exists to deliver, and it is written into your merchant agreement before you sign.
Yes, in most cases. A decline from an automated model tells you how the category was scored, not whether your business is approvable. The application is built around your controls, documents and trading, presented properly to specialist acquiring, and approved in 24 hours once your documents are in.
On this page Why this sector is different · The setup · How it works · Who we set up · Staying protected · FAQs
It is rarely about your platform. A crypto merchant account needs underwriting from people who know crypto, and that is a specialism.
Start your applicationA registered crypto business with serious compliance controls is a different proposition from the headlines the sector generates. Underwriting that starts with your registrations and your controls reads the business you run.
When a volatile purchase moves the wrong way, some customers dispute the card payment that funded it. Without verification records and clear terms captured at purchase, every such case is fought from behind, and the ratio pays for it.
Customer card volume in crypto surges with sentiment, quiet for weeks and then vertical. An account underwritten for the shape of crypto demand expects the surge and treats it as the business working.
Every application is reviewed by people who know a registered crypto business is a legitimate business. The account handles the card side cleanly, with your settlement landing in pounds.
Customers pay by card the way they pay for anything else, and your settlement arrives in GBP the next working day. The card side of your business becomes the predictable part.
Customer verification and monitoring controls are strong evidence of a responsibly run platform, and underwriters who know crypto present them properly in your application, where they actively help.
Tokenisation vaults the card on the first purchase, so returning customers buy again with a saved card and just their CVV, while the real card number never touches your systems.
Multi-currency processing runs in 150+ currencies, so an international customer base pays in the currency they hold while your settlement stays clean and consolidated.
Risk rules built around genuine crypto purchase behaviour catch stolen cards and account takeover without declining the returning customer buying the dip.
Purchase disputes run through proper chargeback management, evidence, representment and prevention, handled by people who know what wins crypto cases.
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
The dispute that follows a price move is the defining chargeback risk in crypto. The answer is a defence in four layers, built at onboarding, working every purchase.
The name on the card statement matches the platform the customer bought from, with the purchase clearly described. A recognised charge is rarely a disputed charge.
Identity verification, acknowledged terms and volatility disclosures captured at purchase mean a disputed payment meets a documented record of exactly who authorised it and on what basis.
Dispute alerts flag a complaint before it hardens into a chargeback, giving your team the chance to resolve directly and keep the ratio clean through volatile weeks.
When a case is worth fighting, it is fought with evidence assembled by people who know what wins purchase and authorisation disputes in crypto.
The full dispute playbook lives in our guide on minimising chargebacks, and the fraud toolkit is covered on the fraud protection page.
Yes. Startups are welcome and there is no minimum trading history. A new exchange, on-ramp or wallet service is assessed on its registration, its verification controls and its forecast volumes, and approval takes 24 hours once your documents are in.
Exchanges, fiat on-ramps, crypto brokers, wallet providers and NFT marketplaces, from startups through to established international platforms. Tell us the model and a specialist confirms the same working day whether it fits.
On this page it means the card payment infrastructure behind a crypto business, letting your customers pay by card for what you offer, with your settlement arriving in GBP the next working day. eCom Pay processes the card side of the business, cleanly and predictably, while your platform does what it does.
Volatility-driven disputes, surge-shaped volume, an international customer base and the headlines generated by the worst of the category all make generic risk models cautious. Specialist underwriting assesses the business you run rather than the category, and prices the account properly.
Yes. Registered exchanges, on-ramps and crypto services are approved when the application is processed properly, with your registrations, verification controls and terms presented as the evidence they are. Approval takes 24 hours once your documents are in.
Where your activity requires registration with the relevant UK regulator, yes. Your specialist guides you through the application step by step. Your regulatory obligations stay with the relevant regulator, and we arrange the payments.
In pounds, the next working day, with no rolling reserve held back. Customers pay by card in their currency of choice from 150+, and your consolidated settlement arrives in GBP, which keeps your accounting, your banking and your working capital in familiar territory.
With evidence captured before the dispute exists. Verification, acknowledged terms and volatility disclosures from the purchase meet the claim that a payment was unauthorised with a documented record of who authorised it and on what basis, and representment is handled by people who know what wins crypto cases.
Your account keeps up, because the surge was underwritten from day one. Card volume climbing with sentiment is the business working, and an account built for crypto treats it that way rather than flagging it mid rally.
Approval takes 24 hours once your documents are in. Crypto applications carry more documentation than most, and your specialist guides you through exactly what is needed step by step, so the document gathering is the only real timeline.
Compliance led onboarding, screening tuned to real crypto patterns, and GBP settlement the next working day with no rolling reserve, approved in 24 hours once your documents are in.
In another specialist sector? Explore high risk payment solutions, see the financial trading payment gateway, or the full list of industries we approve.
AI answers can be wrong. For anything important, call 0345 548 0072.
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