eCom Pay

eCom Pay: UK payment processing for online and in-person sales

eCom Pay is a UK-based payment company that provides eCommerce payment gateways, card machines, ePOS systems and specialist merchant services to businesses worldwide. The company states it is Muslim-owned and has been processing payments since 2010. It handles transactions in more than 150 currencies and settles merchants on the next working day.

The service is built around a single account that can cover multiple payment methods, from online checkout to face-to-face card terminals. eCom Pay positions itself as an alternative for businesses that may have been declined by other providers, with a specialist approval path for high-risk sectors.

Online payment solutions

For eCommerce, eCom Pay offers payment gateways that integrate with major platforms including WooCommerce, Shopify, PrestaShop, Zen Cart and custom builds. The gateways support tokenisation and one-click payments, and integration is free, with installation handled by the eCom Pay team.

Other online methods include:

• Virtual terminal: key in card payments from any browser without hardware, suitable for phone orders, deposits and invoices.
• Pay by Link: send a branded, 3D Secure payment link by text or email, with smart reminders for unpaid invoices.
• Recurring payments: automated billing for memberships, subscriptions and instalments, with stored cards protected by tokenisation and smart retries for failed payments.
• Open Banking: bank-to-bank payments that the company says carry zero chargebacks.

Card machines and ePOS

For face-to-face payments, eCom Pay supplies card machines bought outright, including models such as PAX A920 Pro, PAX A80 and Handpoint HiLite, as well as mobile card machines. The company advertises no minimum billing and no contract for card machines. It also offers ePOS solutions tailored to restaurants and retail, and a comparison tool for card machines.

Specialist sectors and high-risk approval

eCom Pay explicitly targets businesses in sectors that often face difficulties obtaining merchant accounts. The high-risk sectors listed include online pharmacies, travel, crypto, forex and trading, gaming, vape, adult and dating, CBD and supplements, automotive, hire and rental, and software and apps. The company states that applications are reviewed by experienced underwriters, with approval possible within 24 hours once documents are submitted. A pre-approval questionnaire provides an instant indication without obligation.

Features and support

Merchants are assigned a personal account manager available 24/7 via phone, WhatsApp or email. A dedicated risk analyst helps tune fraud strategy to the business's trading patterns, and chargeback management includes prevention with 3D Secure 2 and AI screening, contesting disputes, and Open Banking to eliminate them. eCom Pay also emphasises PCI compliance and UK-based support.

The company reports a Trustpilot rating of 4.4, based on reviews from verified merchants. Case studies describe businesses in vape, food and desserts, automotive parts, hospitality, online pharmacy and travel that switched to eCom Pay for specialist acquiring, next-day settlement or reduced rates.

Global reach and settlement

While headquartered in the UK, eCom Pay serves businesses worldwide and processes payments in over 150 currencies. Settlement is on the next working day, which the company highlights as a key benefit for cash flow. The service is designed to accommodate merchants that sell internationally or deal in multiple currencies.