An education payment gateway from eCom Pay is underwritten by experienced specialists who understand courses sold today and delivered over months. Training providers, beauty and trade academies, tutors, bootcamps and online course sellers are reviewed on their delivery model and refund terms rather than filed under deferred delivery and declined. Settlement lands the next working day with no rolling reserve, and approval takes 24 hours once your documents are in.
24 hrs
approval, once documents are in
150+
currencies processed
4.5
Trustpilot rating
2010
processing payments since
One underwritten by people who understand deferred delivery and instalment plans. eCom Pay education accounts are sized to your course pricing and intake calendar, settle next working day with no rolling reserve, and are approved in 24 hours once documents are in. Startups are welcome.
Automated risk models score courses paid up front and delivered later as exposure, and are closing education accounts across the sector on that basis. A specialist underwriting stage presents your delivery model, terms and refund policy properly so the business is assessed on how it runs.
Yes. Take a deposit at enrolment and schedule the balance in stages on the same account, with saved cards through tokenisation and automatic retries on failed instalments. Instalment plans are part of the application rather than an add-on.
Yes. Process in 150+ currencies and settle in 25+, with 3D Secure on every payment, so overseas learners enrol as easily as local ones.
No. Every eCom Pay merchant, including training providers and course sellers, is settled next working day with no rolling reserve. Securing those terms for deferred delivery sectors is the reason the separate underwriting stage exists.
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
A course is paid for up front and delivered over weeks or months, and that gap is what automated risk models score. An education merchant account needs underwriting that understands how courses are sold and delivered.
Start your applicationMoney in today, teaching delivered over a term. Automated models treat that as exposure and are increasingly closing education accounts across the sector. Your specialist presents the delivery schedule and refund terms as the controls they are.
A £2,000 course sold twenty times a month looks nothing like a shop, so generic accounts hold funds for review. The account is sized to your course pricing and enrolment calendar from day one.
Learners want to pay in stages and some pay from abroad. Instalment plans, saved cards and 150+ currencies are built in rather than bolted on.
Every application is reviewed by people who know that a well run training business with clear terms is a legitimate business, whether it is a nail academy, a coding bootcamp or a tuition centre. Startups are welcome, and the account is built for enrolment peaks, staged payments and settlement that funds the teaching.
Course lengths, start dates, cancellation and refund policy and accreditation are documented and presented as the controls they are, so the business is assessed on how it delivers rather than on the payment gap alone.
Volume forecasts follow your intake dates, so a September or January enrolment surge is processed as expected trading rather than held for review.
Next working day settlement with no rolling reserve means course fees are in your account the following working day, paying tutors, rooms and materials on time.
Take a deposit at enrolment and schedule the balance in stages, with saved cards through tokenisation and smart retries on failed instalments.
Process in 150+ currencies and settle in 25+, with 3D Secure on every payment, so overseas students enrol as easily as local ones.
Enrolment agreements, attendance records and course access logs become dispute evidence, with alerts that flag a complaint before it becomes a chargeback.
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
Course disputes usually come from a change of mind after enrolment or a misunderstanding about what was included. The answer is a defence in four layers, built at setup, working on every enrolment.
The statement descriptor matches your academy or school name, so a course paid for months before it starts is recognised on the statement rather than disputed.
Signed enrolment agreements, acknowledged terms, attendance records and platform access logs mean a disputed payment meets a documented record of what was bought and delivered.
Dispute alerts flag a complaint before it hardens into a chargeback, giving you the chance to resolve, transfer or partially refund and keep the ratio clean.
When a case is worth fighting, it is fought with evidence assembled by people who know what wins deferred delivery disputes.
Selling short courses and products alongside a physical academy? A card machine at reception sits on the same account with the same next working day settlement.
Money is taken up front and the course is delivered over weeks or months, which automated models score as exposure. High ticket values and seasonal intakes add to it. Specialist underwriting assesses the business you run rather than the category.
No. eCom Pay sets up training providers, academies, tutors, tuition centres, bootcamps and online course sellers. Institutions that grant academic degrees are outside this page, and your specialist will tell you straight away if a business sits on the wrong side of that line.
Yes. Startups are welcome. A clear course list, published terms, a refund policy and a realistic intake forecast do the same job as a trading history, and approval lands in 24 hours once your documents are in.
The account is underwritten for them. Your intake calendar and the biggest enrolment month you expect are part of the application, so a surge is processed as expected trading rather than flagged and held.
Website checkout with plugins for WooCommerce, Shopify and the main course platforms, hosted checkout or API for custom builds, Pay by Link for phone and email enrolments, and a card machine at reception, all on one account.
Cooling off period, how refunds are handled before and after a course starts, transfer options and what happens if a course is cancelled. Clear terms protect you in disputes and are read as maturity by underwriters. Your specialist reviews them with you before the application goes in.
A descriptor that matches your academy or school name, agreed at setup, so a course paid for well before it starts is recognised rather than disputed.
Approval takes 24 hours once your documents are in. The only thing that moves the date is how quickly the paperwork arrives, and your specialist tells you exactly what is needed on day one.
Experienced underwriters process your application with your delivery model front and centre, approved in 24 hours once your documents are in, settled next working day with no reserve.
Explore high risk payment solutions, set up recurring and instalment billing, or see the full list of industries we approve.
AI answers can be wrong. For anything important, call 0345 548 0072.
Cookies on ecompay.co.uk
We use strictly necessary cookies to run the site, and with your permission analytics cookies (Google Analytics and Microsoft Clarity) to see how the site is used and marketing cookies (Meta) to measure campaigns. See the cookie policy.