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Rate card and key information statement

Ecommpay merchant services for micro-enterprise customers and small charities

Services provided by: Ecommpay Limited, authorised and regulated by the Financial Conduct Authority (FCA) (FRN: 607597)

Date: 23 October 2025

Version: 1.0

Important: This document sets out the applicable fees and charges and summarises the key features of our merchant services for micro-enterprise merchants and small charities. It does not replace our full Master Services Agreement  https://ecommpay.com/ecommpay-terms-and-conditions/, which contains the complete terms and conditions for these services. We recommend that you read the full agreement before you sign up to ensure this product is right for your business.

1. What is this service?

This service allows your business to accept online card payments from your customers via your website, using Visa and Mastercard.

What's included?

  • A merchant account to process card payments.
  • Use of our secure online payment gateway.
  • Access to an online merchant dashboard to view your transactions, settlements, and statements.
  • Access to our account management and customer support teams.

What's NOT included?

  • A business bank account. You must hold your own UK business bank account to make bank transfers or for settlements.
  • Access to other payment methods.
  • Website creation or hosting services.

2. Subscribing to our services

During onboarding, we’ll ask you to read this Rate Card and Key Information Statement. Together with the Terms & Conditions, this document forms your agreement with Ecommpay. The Terms & Conditions are incorporated by reference and are available here: https://ecommpay.com/ecommpay-terms-and-conditions/

By submitting your application and providing your digital signature through the dashboard, you are providing your consent to enter into a binding agreement with Ecommpay, and accepting the terms set out in this Rate Card and Key Information Statement, and the Terms & Conditions.

Please note that the effective date of the agreement will be the date when we approve your application, and the services will commence from that date only. We will notify you when your application is approved and the services commence.

3. Our fees – How much will it cost?

We believe in clear, simple pricing. The fees below are the standard charges for using our service. All fees are deducted from your settlement amount before we pay you.

Transaction Fees

These fees apply each time you take a payment.

Card Type

Fees

Example

UK Consumer Cards (e.g., Visa Debit)

1.30% + £0.20

On a £10.00 sale, the fee is £0.33

International Consumer Cards (non-UK)

3% + £0.20

On a £10.00 sale, the fee is £0.50

Commercial & Business Cards

The UK or International Consumer Card rate (1.30% + £0.20 or 3% + £0.20) + 0.75%

On a £10.00 sale, the fee is either £0.38 or £0.58

Fees

Item

Fees

Notes

FX Markup Fee

2.50%

This fee is charged in addition to the applicable Transaction Fee

Declined Authorisation Fee

£0.05

This fee is charged per authorisation, if a transaction is declined

Refund Fee

£0.50

This fee is charged per refund

Other Potential Fees

Some fees apply only in specific situations:

  • Disputes: If a customer disputes a transaction and their bank submits a collaboration request querying the legitimacy of the transaction, you will be charged a £15 Collaboration Fee. If a customer disputes a transaction and their bank reverses it by way of a Chargeback, you will be charged a £15.00 Chargeback Fee, in addition to the disputed amount. We will support you in challenging unfair disputes.

FX reference rate

If you process a transaction in a currency other than GBP, we convert it using a reference FX rate provided by Oanda: available here: https://www.oanda.com/foreign-exchange-data-services/en/exchange-rates-api/

Your dashboard shows the FX rate applied to each transaction.

As an example, if you process an International Consumer Card and the transaction is € 10.00, then the following fees will apply:

  • Transaction converted into GBP. E.g. if the FX rate is €1 = £0.8741, the transaction will be converted into £8.74
  • The FX Markup Fee of 2.50% will be applied, i.e. £0.22
  • The International Consumer Card Fee of 3% + £0.20 will be applied, i.e. £0.46
  • As a result, the total fees for this transaction will be £0.68

4. Getting your money – Settlements

This section explains when funds from your sales reach your business bank account.

How it works:

  1. You take a payment from a customer.
  2. Ecommpay processes the transaction.
  3. We deduct our fees.
  4. We send the remaining amount (your settlement) to your nominated UK business bank account.

Settlement speed and cut-off times

Your settlement speed depends on when you process your transactions. Our daily cut-off time is 09:00 PM (UK time). This means that transactions are formed into batches from 09:01 PM to 09:00 PM of the following day.

Transactions Processed...

Money Arrives in Your Bank Account...

Before 09:00 PM on Monday - Friday

Five business days after processing the transaction (T+5)

After 09:00 PM Friday, or on Saturday/Sunday or a UK Bank Holiday

5 business days from the business day that follows Saturday/Sunday or the UK Bank Holiday

  • "T" refers to 09:00 PM of the day the transaction takes place.
  • "Business Day" means Monday to Friday, excluding weekends and UK bank holidays.

Example: A payment you take at 3:00 PM on Tuesday will be settled to your bank account on the following Tuesday. A payment taken at 11:00 PM on Tuesday (after the cut-off) will be included in Wednesday's batch and settled on Wednesday.

In rare cases, we may temporarily hold funds for security or anti-fraud checks. If this happens, we’ll explain why and keep you informed throughout.

You will be aware of the amount that needs to be settled from the financial statements, which we will provide to you each business day. The statement will cover the previous day. If Monday is a business day, the Monday statement will cover Friday, Saturday and Sunday. For example, on Friday (if a business day) you will receive the statement for Thursday.

5. Key risks and your responsibilities

  • Chargebacks: You are liable for the full value of chargebacks. Keeping clear records, receipts, and proof of delivery can help protect you.
  • Data Security (PCI DSS): You are responsible for handling cardholder data securely. Our tools are designed to support compliance and reduce risk.
  • Held Funds: To protect the payment system, we may temporarily hold your funds if we detect unusual transaction patterns or a sudden spike in your transaction values. This is a security measure, and we will work with you to resolve it quickly. We may in certain instances also hold funds where we believe your services exceed certain permissible thresholds or limits, for example chargeback or fraud limits.

6. Key limits and thresholds

  • Transaction Limits: We may set transaction value and volume limits based on our risk mitigation measures.
  • Chargeback and Fraudulent Transaction Thresholds: You are expected to operate within acceptable chargeback and fraud levels. The thresholds have been set out here: https://ecommpay.com/fraud-and-chb-thresholds/

7. Ending our agreement

You can request to close your account at any time by giving 30 days’ notice to our customer support team. Ecommpay is required to provide 90 days’ notice of termination in the event we wish to terminate the agreement.

There may be certain limited instances in which we can terminate the agreement earlier. In limited circumstances – such as fraud, money laundering, or serious legal breaches – we may terminate immediately. You will be liable for all sums and additional costs if we suffer any losses where we have to immediately terminate for these reasons.

8. Need help or want to make a complaint?

We're here to support you. If you have any questions or are unhappy with our service, please contact us first.

  • Customer Support:
  • Complaints:
    If you wish to make a formal complaint, please follow the procedure outlined on our website: https://ecommpay.com/complaints-policy/
    If you're not satisfied with our final response, you may be able to refer your complaint to the Financial Ombudsman Service. This is a free and independent service for resolving disputes.

Download Rate card and key information statement

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