Hospitality payment solutions from eCom Pay bring restaurant payment processing, the terminal itself and next working day settlement together on one account. Tips and split bills are handled at the machine, weekend takings land in time to pay for the week ahead, and a UK team answers 24/7, right through evening service and beyond.
24 hrs
approval, once documents are in
150+
currencies processed
4.4
Trustpilot rating
2010
processing payments since
On this page Why this sector is different · The setup · How it works · What underwriters look for · Staying protected · FAQs
Hospitality is service at speed on margins that notice everything. Proper hospitality payment solutions respect the pace of a full room, the timing of the takings and the reality of tips, splits and deposits.
Check your approval oddsA slow card machine at the end of a great meal is the last thing a guest remembers, and a payment queue at the counter costs covers. Terminals need to be as quick as the service around them, at the table, at the bar and at the door.
Friday and Saturday carry most hospitality businesses, and fresh produce, staff shifts and suppliers all fall due within days. When weekend takings dawdle on the way to the bank, the whole week feels it.
Tipping prompts, split bills and function deposits are everyday hospitality, not edge cases. A payment setup that fumbles them makes hard work of things a restaurant does thirty times a night.
Every application is reviewed by people who understand hospitality. The account carries the room, the phone and the deposits, with the tools a busy service actually needs.
The PAX A920 Pro takes payment at the table with tipping prompts, split bills and all-day battery, while the A80 holds the counter. Bought outright with £0 minimum billing, and sized to your covers by your specialist.
Next working day settlement as standard, so the weekend rush is in the bank before the produce order goes in. Cash flow stops being the quiet worry behind every service.
Pay by Link sends a secure payment link for table deposits, functions and private hires, paid online in a tap. Bookings hold, no-shows sting less, and nobody reads card numbers down the phone.
Tipping prompts at the terminal and clean reporting behind them, so service charge and gratuities are captured smoothly and accounted for without a spreadsheet argument.
The virtual terminal takes phone orders securely, and online ordering plugs into the same account, so collections, deliveries and the dining room all settle together.
Clear descriptors guests recognise and real chargeback support behind them, so the rare dispute is fought with evidence while you get on with service.
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
Hospitality applications are straightforward when they are processed properly. Three things cover most of it, and your specialist walks you through each one.
Start your applicationCompany or sole trader details, your premises and your food business registration where it applies. For a trading restaurant this is paperwork you already have to hand.
Card turnover if you know it, honest estimates if you are opening. Rates are agreed against your real numbers, which is exactly how River Spice ended up paying half what they used to.
Your business bank details, so next working day settlement has somewhere to go. That is genuinely most of it, and approval takes 24 hours once your documents are in.
A hospitality business has a rhythm, quiet Mondays, heaving Saturdays, festive bookings and the January lull. The setup is tuned to all of it.
Friday and Saturday service settles the next working day, so the biggest takings of the week are in the bank when the produce, meat and drinks orders go in.
Party season volume is written into the account at underwriting, so festive bookings and function deposits are your expected peak, not an anomaly that needs explaining.
Function and table deposits by Pay by Link hold bookings securely, soften no-shows and arrive with clear terms attached, which keeps the diary honest and the disputes rare.
A second site, a delivery kitchen or a summer terrace joins the same account rather than starting again. Your account manager adjusts terminals and rates as the business finds its next gear.
See how it played out for a real restaurant in the River Spice case study, rates halved with the terminal supplied.
Everything a food and drink business needs on one account. Pay at table terminals with tipping and split bills, next working day settlement, Pay by Link for deposits and functions, a virtual terminal for phone orders and online ordering on the same account, with a UK team answering 24/7.
For table service, the PAX A920 Pro, a portable Android terminal with tipping prompts, split bills, receipt printing and all-day battery. For counter service the PAX A80 holds the till. Both are bought outright with £0 minimum billing, and your specialist sizes the setup to your covers.
At the terminal, with tipping prompts guests actually understand, and in the reporting behind it, where gratuities are captured cleanly for your accounting. Split bills work the same way, handled at the machine in seconds rather than negotiated at the till.
Yes, with Pay by Link. A secure payment link goes to the guest by email or text, they pay online in a tap, and the booking holds with clear terms attached. No card numbers read over the phone, and far less sting when a no-show happens.
The next working day. Saturday service is in the account in time to pay for the Monday deliveries, which for most hospitality businesses is the single most useful thing a payment provider can do.
Rates are agreed against your actual takings rather than a rate card, with no setup fee to apply and £0 minimum billing behind the terminal. The River Spice case study shows what that looked like for a real restaurant, rates cut by 50% with the terminal supplied.
Yes, through the virtual terminal, which takes card payments from any browser for collections, deliveries and bookings. It runs on the same account as the terminals, so every channel settles together in one report.
Approval takes 24 hours once your documents are in, and terminals arrive configured and tested, typically within the week. Your specialist walks you through the short document list step by step, so nothing stalls between you and first service.
Written by the eCom Pay team. Reviewed August 2026. Last updated August 2026.
Terminals ready for service, tips and deposits handled, weekend takings landing the next working day, approved in 24 hours once your documents are in.
Browse more industries on the industries hub, read the River Spice case study or see face to face card payments.