Off slow payouts, onto next working day settlement
Delicious Desserts came to eCom Pay with settlements arriving days late and cash flow feeling every one of them. We processed their application, moved the business onto next working day settlement and put a personal account manager behind it, so the money now lands when the ingredients need paying for.
24 hrs
approval, once documents are in
150+
currencies processed
4.4
Trustpilot rating
2010
processing payments since
Where they were when they came to us
Every case study starts the same way, with a good business and a payment setup that no longer fits it. This is what the picture looked like on day one.
Settlements arriving days late
Money the business had already earned was taking days to reach the bank account. For a food business buying fresh ingredients week in, week out, every day of delay showed up somewhere, in supplier payments, in staffing, in stock.
Cash flow doing the worrying
The takings were healthy. The timing was the problem. Weekend trade, the busiest of the week, took the longest to land, which meant the strongest sales created the tightest squeeze.
No route to change it
Payout timing was simply how the previous setup worked. There was no one to review the account, no rate conversation and no settlement options on the table, just a schedule the business had to plan around.
How the application was processed and placed
Experienced underwriters reviewed the business properly, shaped the account around how it actually trades and placed it on specialist acquiring. Step by step, this is what changed.
The account was reviewed properly
Experienced underwriters looked at how Delicious Desserts actually trades, steady volume, few disputes, a straightforward product, and processed the application to match, approved in 24 hours once the documents were in.
Settlement moved to next working day
The business went straight onto next working day settlement. Money taken on Saturday is not a promise on the horizon any more, it is in the account the next working day.
One account, every channel
Card payments across the business now run through one eCom Pay account with one settlement, so reconciliation takes minutes rather than a spreadsheet session.
A person, not a queue
A personal account manager now sits behind the account, available 24/7 by phone, WhatsApp or email, with rate reviews as the business grows rather than a schedule set in stone.
Where they are now
- Money lands next working daysettlement moved from days of waiting to the next working day, every day
- Cash flow that plans itselfsuppliers, staff and stock paid from takings that arrive on time
- One clean settlementevery card payment in one account, one report, one number to reconcile
- Reviewed as they growa personal account manager who revisits rates as volume builds
Takings captured ✓
Settlement scheduled next working day
Funds landed ✓
Days waiting 0
Status reconciled
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Rates cut by 50% with next day settlement
River Spice in Portsmouth was paying high fees with no card machine provided. We halved their rates, supplied the terminal and switched them to next day settlement.
Read the case studyWritten by the eCom Pay team. Reviewed August 2026. Last updated August 2026.
Your money should land the next working day
Next working day settlement comes as standard, with an account processed by experienced underwriters and approved in 24 hours once your documents are in.
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