Rates cut by 50%, terminal supplied, settled next working day
River Spice, a Portsmouth restaurant, was paying high card fees on a setup that did not even include the card machine. eCom Pay halved their rates, supplied the terminal and moved the business to next working day settlement, with a UK team on the phone 24/7 behind the counter.
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.
Paying more than the trade justified
The card fees on the account were high for a busy, established restaurant with a healthy card mix. Nobody had ever sized the rates against how River Spice actually trades, so the business simply paid what the schedule said.
Fees without the hardware
For all that cost, the setup did not include the card machine itself. The terminal, the one thing a restaurant absolutely needs at the counter and the tables, sat outside the deal.
Waiting on their own money
Settlements took longer than a hospitality business wants to wait. Fresh produce, staff shifts and weekend service all run on cash flow, and the timing was not on their side.
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 rates were sized to the business
Experienced underwriters reviewed the actual turnover and card mix and agreed rates against it. The result cut what River Spice pays on card by 50%.
The terminal came with the account
eCom Pay supplied the card machine as part of the setup, configured and tested before it reached the restaurant, ready for service on arrival.
Settlement moved to next working day
Takings from Friday and Saturday service now land the next working day, which is exactly when the week ahead needs paying for.
Support that never closes
A UK team on 0345 548 0072 answers 24/7, so someone is there during evening service, when a card machine question actually matters.
Where they are now
- Half the card feesrates cut by 50%, agreed against real turnover and reviewed as the business grows
- A terminal that came with the dealthe card machine supplied by eCom Pay, ready for service on arrival
- Weekend takings land Mondaynext working day settlement keeps produce, staff and service funded
- Help during evening servicea UK team on the phone around the clock, when a restaurant actually needs it
Card fees cut by 50%
Terminal supplied ✓
Settlement next working day ✓
UK support around the clock ✓
Status serving
More merchants, more results
Turned away across the board, then set up properly
A vape and e-liquid retailer had been turned away across the board and hit with frozen funds. Specialist acquiring that understands the sector got them processing again, safely.
Read the case study
Off slow payouts onto next day settlement
Delicious Desserts was stuck with delayed settlements that strained cash flow. Next working day settlement means the money now lands when they need it.
Read the case study
From serial account freezes to £1m+ with no holds
Find A Part came to us after a difficult run with previous setups. With eCom Pay they trade at over £1m a year with no holds, plus full chargeback support.
Read the case studyWritten by the eCom Pay team. Reviewed August 2026. Last updated August 2026.
Rates sized to your restaurant, not a rate card
Experienced underwriters agree your rates against your actual turnover, with the terminal supplied and money landing the next working day.
Running hospitality? See face to face card payments or read the card machine comparison guide.