From serial account freezes to £1m+ a year with no holds
Find A Part, an automotive parts retailer, came to eCom Pay after a difficult run with previous payment setups and repeated account freezes. Underwritten properly and placed on specialist acquiring, the business now trades at over £1m a year with no holds, with full chargeback support handling disputes for them.
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.
One freeze after another
Each previous setup started fine and then froze, usually just as volume picked up. Growth kept triggering reviews, and reviews kept locking up money the business needed to buy stock, so success itself had become the risk.
Trading with the brakes on
With funds held at unpredictable moments, Find A Part could never commit fully to stock, marketing or growth. The business was planning around its payment setup instead of its customers.
Disputes landing on their desk
Chargebacks in the parts world come with the territory, wrong part ordered, fitment disputes, returns in transit. Fighting each one alone, with no support and no strategy, cost hours the business did not have.
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.
Underwritten for the business it is
Experienced underwriters reviewed the real trading picture, order values, return rates, dispute history and growth plans, and processed the application around it, so the approved account fits the business at full speed, not just at the start.
Headroom agreed up front
Growth was written into the account from day one. Volume climbing towards £1m+ a year is what the account was underwritten for, so climbing there triggers nothing.
Placed on specialist acquiring
The account sits on specialist acquiring with no surprise freezes, because everything the underwriters agreed at approval is how the account behaves in month twelve.
Chargebacks handled properly
Full chargeback support now manages disputes end to end, evidence, representment and prevention, with tuned risk rules quietly reducing how many arrive in the first place.
Where they are now
- Over £1m a year, no holdstrading at over £1m a year with no holds on the account
- Growth without the fearvolume climbs and nothing locks, because the account was underwritten for it
- Disputes off their deskfull chargeback support handles the process end to end
- Money on time, every timenext working day settlement keeps stock and cash flow moving
Volume processed £1m+
Holds this year 0
Chargebacks handled for them ✓
Settlement next working day ✓
Status growing
More merchants, more results
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Read the case studyWritten by the eCom Pay team. Reviewed August 2026. Last updated August 2026.
Growth should trigger congratulations, nothing else
Experienced underwriters process your account with your growth written in from day one, approved in 24 hours once your documents are in.
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