Pay by phone from eCom Pay gives a business two clean routes for the customer on the line, a secure virtual terminal for taking the payment during the call, and Pay by Link for sending a secure payment link they complete themselves. Either way, no card numbers on paper, clean records behind every payment, and settlement the next working day.
24 hrs
approval, once documents are in
150+
currencies processed
4.4
Trustpilot rating
2010
processing payments since
On this page Choosing a provider · The integration · Going live · See it working · Once you are live · FAQs
Phone payments are where card security habits show. Three things separate a proper setup from a risk on a sticky note.
Check your approval oddsCard details read over the phone should go straight into secure hosted infrastructure through a virtual terminal, never onto paper or into a spreadsheet. The business takes the payment without ever becoming a custodian of card data.
A payment the customer completes themselves through a link carries 3D Secure 2, with the customer verified by their own bank. For larger amounts especially, sending a link beats typing a number.
Every phone payment should land with clear references in one report, so matching payments to orders, bookings and invoices is a quick job rather than an investigation.
The right route depends on the moment, and both run on the same account and settlement.
The customer is on the line and wants it done now. Card details go into a secure browser-based terminal, the payment authorises in seconds, and the call ends with the job booked.
A secure payment link goes by text or email, the customer pays in a tap on a hosted page with 3D Secure 2, and no card details are spoken aloud at all.
Tokenisation vaults the card securely, so a repeat customer on the phone pays with their saved card and just their CVV, faster for them and safer for you.
Mail order and telephone order payments run through infrastructure built for them, with fraud screening watching patterns and clear descriptors keeping disputes rare.
Every payment lands with clear references in one exportable report, so phone payments match orders and invoices in minutes.
Phone payments settle with everything else the next working day, keeping cash flow simple however the customer chose to pay.
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
The application is the start, not the product. This is what running your payments with eCom Pay actually looks like, week to week.
Available 24/7 by phone, WhatsApp or email. One person who knows your setup, for questions, rate reviews and new features.
Phone payments share the account with your website, card machines and payment links, one settlement, one report, one reconciliation.
Your team is shown both routes at onboarding, so taking a payment properly becomes the easy habit rather than the extra step.
Phone-heavy businesses in specialist sectors run the same routes on accounts underwritten for their industry.
Yes, phone payments are a normal, legitimate way to pay, done properly. The details must be handled securely, which means typed directly into a secure virtual terminal rather than written down, and the eCom Pay setup is built around exactly that.
For many payments, sending a Pay by Link is strongest, because the customer completes it themselves with 3D Secure 2 and no card details are spoken at all. When the payment needs to happen during the call, the virtual terminal takes it securely in seconds.
Payments typed into a virtual terminal are MOTO transactions, which do not carry 3D Secure, and fraud screening watches them accordingly. Payments completed by the customer through Pay by Link do carry 3D Secure 2, which is why links are the recommended route for higher values.
Yes. With tokenisation, a repeat customer’s card is vaulted securely on first use, and future phone payments take just their CVV, quicker for the call and safer than re-reading numbers.
Rates are agreed against your actual turnover, with no setup fee to apply and the virtual terminal and Pay by Link running on the same account as everything else. A specialist sets out the whole offer in plain terms, usually the same working day.
Approval takes 24 hours once your documents are in, and both routes are switched on and demonstrated at onboarding, so most businesses take their first phone payment within days of applying.
Written by the eCom Pay team. Reviewed August 2026. Last updated August 2026.
Secure routes for the customer on the line, clean records behind every payment and settlement the next working day, approved in 24 hours once your documents are in.
See the full virtual terminal and Pay by Link pages, or explore all online payment solutions.