A marketplace takes money for goods and services it does not deliver itself, which is what automated risk models score and decline. eCom Pay underwrites the platform on its seller verification, buyer protection and dispute handling, so the account reflects how the marketplace controls risk, with settlement the next working day and no rolling reserve.
24 hrs
approval, once documents are in
150+
currencies processed
4.5
Trustpilot rating
2010
processing payments since
Yes. eCom Pay underwrites multi seller marketplaces case by case, with settlement next working day and no rolling reserve, approved in 24 hours once documents are in.
The platform collects money for goods and services delivered by third parties, which automated models score as delivery risk. A specialist underwriting stage presents the platform properly, so it is assessed on how it runs.
Approval lands in 24 hours once documents are in. A specialist handles the application with you and guides you through it step by step.
How sellers are onboarded, verified and monitored is documented and presented as the control it is, which is the strongest evidence a marketplace has.
Refund policy, delivery confirmation and complaint handling become dispute evidence, with alerts that flag a complaint before it becomes a chargeback.
Transaction volumes and peak trading are priced into the account, so a busy campaign is expected trading rather than an anomaly.
Integrate through hosted checkout or the eCom Pay API with tokenisation and 3D Secure, with in house developers to help.
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.
What you sell or do, how you take payment and your expected volumes. A specialist comes back the same working day.
Experienced underwriters present your controls and history the way specialist acquiring needs to see them, so nothing bounces back.
Once your documents are in, approval lands in 24 hours. The only thing that moves the date is how quickly the paperwork arrives.
Gateway, terminal or both on one account, a dedicated account manager, and settlement the next working day with no rolling reserve.
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
Tell us how your payout model works and the team sets out exactly what the account covers before you apply, so nothing is promised that does not fit your platform.
Yes. Service platforms, booking platforms and directory style marketplaces are underwritten on the same basis.
No. Every eCom Pay merchant is settled the next working day with no rolling reserve.
Experienced underwriters process your application and guide you step by step, approved in 24 hours once your documents are in, with no rolling reserve.
AI answers can be wrong. For anything important, call 0345 548 0072.
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