Retail payment solutions from eCom Pay put the shop counter and the website on one account with one settlement. Card machines are bought outright with £0 minimum billing, takings land the next working day, and a UK team is on the phone around the clock, approved in 24 hours once your documents are in.
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
Retail runs on margins, queues and cash flow, and the payment setup touches all three every single day. Proper retail payment solutions are built around how a shop actually trades, not a generic template.
Check your approval oddsEvery extra second at the card machine multiplies down the line, and a queue that stalls costs baskets that never reach the till. Fast contactless terminals and reliable connections keep the busiest Saturday flowing.
Stock is paid for before it sells, and every day between a card payment and the money landing is a day your suppliers wait or you borrow. Settlement timing is not a detail in retail, it is the working capital.
A shop counter with one provider and a website with another means two sets of fees, two reports and a reconciliation job nobody enjoys. One account for both halves turns month-end back into an afternoon.
Every application is reviewed by people who understand retail. The account carries both your channels, with the tools a shop actually needs switched on around it.
From the PAX A80 on the counter to the flagship A920 Pro for busy floors, terminals are bought outright with £0 minimum billing and one transparent software fee. See the full range of no contract card machines.
Gateways for WooCommerce, Shopify and the other major platforms plug your website into the same account, so web orders and counter sales settle together.
Pay online and collect in store, or reserve by phone through the virtual terminal. However the customer wants to buy, the payment lands on the same account.
Tokenisation lets returning customers check out online in one tap with just their CVV, which is exactly the treatment your best customers have earned.
Risk rules tuned to genuine shopping patterns stop card fraud without declining the tourist, the gift buyer or the big basket that makes the day.
A personal account manager reviews rates as volume grows and adjusts the setup as you add lines, sites or seasons. One person, not a queue.
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
Retail 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 what you sell. For an established shop this is paperwork you already have, and it usually comes together in a single sitting.
Card turnover if you know it, honest estimates if you are opening. Rates are agreed against your real numbers, and your account manager reviews them as the shop grows.
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 shop has a rhythm, quiet Tuesdays, big Saturdays, seasonal spikes and the January returns. The setup is tuned to all of it.
Saturday is the biggest till day for most shops, and next working day settlement means the weekend takings are in the bank funding stock while the memory of the rush is still fresh.
December volume is written into the account from day one, so the Christmas rush is underwritten as your normal, not flagged as an anomaly. Growth triggers congratulations, nothing else.
Refunds flow back through the same account cleanly, keeping your books straight and your customers happy. Clear receipts and descriptors mean fewer queries ever reach a dispute.
A second site, a new line or a website launch joins the same account rather than starting a new relationship. Your account manager adjusts rates and hardware as the business changes shape.
Choosing hardware? Start with the card machine comparison guide or the no contract card machines range.
Everything a shop needs on one account. Card machines bought outright with £0 minimum billing, online gateways for WooCommerce, Shopify and the major platforms, click and collect, a virtual terminal for phone orders and next working day settlement, with a UK team on the phone around the clock.
Yes, and that is most of the point. Counter sales and web orders flow into one account with one settlement and one report, so reconciliation takes minutes and your view of the business is a single number rather than a stitching exercise.
It follows your counter. The PAX A80 suits a fixed till, the Handpoint HiLite works anywhere from around £2,500 a month on card, and the PAX A920 Pro carries busy floors and queues. Every terminal is bought outright with £0 minimum billing, and your specialist sizes it to your real takings.
The next working day, including the weekend rush. For a shop paying suppliers and wholesalers on their schedules, settlement timing is working capital, and it comes as standard rather than as a premium tier.
Rates are agreed against your actual turnover rather than a rate card, with no setup fee to apply and £0 minimum monthly billing behind the terminal. Tell us your takings and a specialist sets out the whole offer in plain terms, usually the same working day.
Contactless, Chip and PIN, Apple Pay and Google Pay at the counter, cards and saved-card one-tap checkout online, and phone payments through the virtual terminal. However the customer prefers to pay, it all lands on the same account.
Nothing unusual, which is the point. Seasonal peaks are written into the account at underwriting, so December volume is expected rather than flagged, and settlement keeps landing the next working day right through the busiest weeks.
Approval takes 24 hours once your documents are in, and the terminal arrives configured and tested, typically within the week. Your specialist guides you through the short list of documents step by step, so nothing stalls.
Written by the eCom Pay team. Reviewed August 2026. Last updated August 2026.
One account, one settlement, terminals you own and takings that land the next working day, approved in 24 hours once your documents are in.
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