Wholesale runs on large invoices, long standing trade accounts and payments taken by phone or by link rather than at a checkout. eCom Pay underwrites the trade, the buyers and the invoice values so large B2B payments are authorised cleanly, including licensed pharmaceutical, medical, furniture, fuel and durable goods wholesale, settling the next working day with no rolling reserve.
24 hrs
approval, once documents are in
150+
currencies processed
4.5
Trustpilot rating
2010
processing payments since
Yes. Invoice values are underwritten at application, so large B2B payments are processed as expected trading. Payments can be taken by Pay by Link with the invoice, on a virtual terminal by phone, or through a website checkout, settling next working day with no rolling reserve.
Yes. Wholesale of prescription and proprietary drugs, pharmaceuticals and medical or dental laboratory supplies is underwritten on the licence and the buyer controls, alongside furniture, fuel, computer services and durable goods wholesale.
Pay by Link sends a secure card payment page with the invoice by email or WhatsApp, and a virtual terminal takes the card over the phone. Both settle on the same account as any website sales.
Your typical and largest invoice values are priced into the account, so a five figure trade payment is processed rather than held for review.
Send a secure payment page with the invoice by email, or take the card over the phone on the virtual terminal, without card details passing through your inbox.
Pharmaceutical and medical wholesale, petroleum and fuel, office and commercial furniture, computer services and durable goods are assessed on licensing and controls.
Standing orders and repeat invoices can run automatically on saved cards through tokenisation, with smart retries on failures.
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
Yes. Repeat and scheduled payments run on saved cards through tokenisation, so a standing trade account is charged automatically with smart retries when a card fails.
Wholesale of medicines requires the appropriate licence, and that licence is the strongest evidence in the application. Your specialist tells you exactly which documents to supply.
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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