Merchant Account

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Key Features

Merchant: Key Features

A Nochex Merchant Account gives you all the powerful features you would expect from a market leading online payment solution.

Features over and above our UK Trader Account include - giving you increased transaction limits, increased withdrawal limits, UK and International payments, no consumer probation period, a configurable payment page and a dedicated account manager with phone support.

More informationClick the headings below for further details

Merchant Account


Combined merchant account and gateway

A Nochex Merchant Account offers you a total online payment service. Unlike many other payment services, you don't need both a separate internet merchant account and a payment gateway (traditionally difficult to obtain for new and small businesses with limited trading history).


Instant cash withdrawals

You can immediately withdraw funds from your Nochex account to your registered bank account; this is usually completed within three working days (the same as a normal cash transfer).

Cashflow is important to all new and growing business, and it is our goal for our Merchants to be able to sell easily and get paid easily.


Accept all major credit and debit cards

Give your customers a full choice of payment options that they demand and increase your sales. You will be able to accept the following credit and debit cards. Mastercard, Visa, Maestro, Visa Electron and Visa Debit (Delta) *

* Some older Visa Debit cards may carry the "Delta" logo on the card. They can also be identified by the word "Debit" printed on the front of the card.


Accepted territories

If you need the facility to process UK and International payments, then a Nochex Merchant Account will be better suited to your requirements.

Please note that requesting International payments may increase you retained balance, especially if you want to receive payments from higher risk territories.

Please note that Nochex can only process in GB £’s. We cannot process in different currencies.


Standard hosted payment page

The standard Nochex branded payment page enables you to take online card payments in real-time. The payments page is hosted on our own secure servers, which is protected with our own SSL certificate (128 bit secure) and operates on extremely reliable system architecture.

You cannot customise the standard payment page to look like your website or add your own company logo.


Configurable hosted payment page

The configurable Nochex payment page enables you to take online card payments in real-time, whilst giving your customers a seamless checkout experience.

The payments page is hosted on our own secure servers, which is protected with our own SSL certificate (128 bit secure) and operates on extremely reliable system architecture.

You can easily change the look and feel of the pages to bring them in line with your company branding with our online editor. Add your logos, change fonts, text size, text colour and even change and add your own html and CSS page elements.


Shopping cart compatible

Nochex is supported by and integrated into an ever growing number of the most popular ecommerce shopping carts.  This means that integrating Nochex into your website is a breeze. We even provide shopping cart integration guides for the most popular shopping carts.

Please see our list of supported shopping carts for more information.


Quick and easy to integrate

Enabling your website to accept Nochex payments is quick and easy. In most cases, you will only need a basic knowledge of HTML and we have simple guides to help you.

We also provide our Automatic Payment Confirmation (APC). This functionality allows you to integrate your Nochex payments with your website's back-end operations, so you get immediate confirmation and authentication of the Nochex payments you receive.


Online reporting & management area

The Nochex Merchant Control Panel gives you real-time access to an easy to use online management information system.

You are provided with a variety of tools to enable you to access the key information you require, giving you better customer service, streamlined reporting and complete control of your account, and all from one simple interface.


Online auction friendly

Nochex is easy to use within online auctions and is one of only a few trusted payment methods approved by all the major online auctions.

By providing your auction customers with a choice of payment options, you can dramatically increase your sales conversions.


Maximum transaction value

The maximum transaction value is the maximum total value of money (£’s) that can be accepted in a single transaction.

With a Nochex Merchant Account you can receive instant card payments up to your maximum transaction limit from your customers. Your maximum transaction limit is agreed with you during the application process.

In certain circumstances and upon gaining a successful trading history with Nochex, Merchant Account holders may be able to negotiate even higher maximum transaction values.


Daily withdrawal limit

For each account, we set a maximum amount of money that can be withdrawn each day.

For Merchant Account holders, your daily withdrawal limit is calculated in-line with the value of your anticipated monthly turnover. Limits can be reviewed on a month by month basis as your business grows and negotiated on a case by case basis.

In certain circumstances and upon gaining a successful trading history with Nochex, Merchant Account holders may be able to negotiate higher daily withdrawal limits.


Transaction rate

Our competitive transaction rates are some of the lowest in the market. Not only that, but unlike other payment services, our rates combine both the cost of the IMA fee (internet merchant account) and the payment processing fee in one!

Compare our prices and minimal fees and you will soon see that Nochex is the much more cost effective way to accept card payments.

The Merchant Account charging structure is competitively tiered, so the more you process the lower your % rate can become.


Set up charge

Our low cost, one-off set up costs covers the cost of both creating your account and for our friendly ongoing support and administration.

The Merchant Account set up fee may increase for certain higher risk categories or for low processing merchants. * The Merchant account set up fee may increase for certain higher risk categories or low processing merchants.


Monthly fees or annual fees

Unlike other payment companies, Nochex do not charge you any monthly or annual fees. You are free to just pay as you go. We don't even lock you into any restrictively long contracts - you can leave any time you like - but we know you won't!


Email support

Nochex Seller Account holders benefit from fast, helpful email customer support. Currently, UK phone support is only available for Nochex Merchant Account holders.


Account manager with phone support

All Nochex Merchant Account holders have their own dedicated Account Manager who are based in the UK who you can reach directly by telephone or email. We pride ourselves on being able to offer unrivalled UK support for all our Merchants.


AVS and CV2 checking

All Nochex transactions are AVS and CV2 checked automatically as standard. AVS (Address Verification Service) checks involve checking a cardholder's address against that of the billing address of the card used.

CV2 (card security code) checks involve checking to see that the 3 digit 'security code', usually found on the back of the card entered by the cardholder, matches that held by the card issuer.


3D Secure enabled

As part of our ongoing commitment to help reduce your fraud risk, all Nochex transactions are checked for participation with 3D Secure - the leading 'internet authentication protocol' designed by Visa and MasterCard.

3D secure can be thought of as an online version of 'chip and pin' technology, whereby the cardholder has a personalised password registered with their card that is input during the checkout process. By using 3D Secure, you can actively reduce your risk of fraud and chargebacks.

We believe all Merchants should be entitled to run their online businesses in the most secure way possible, whilst minimising their risk of fraud. This is why we offer this service to all accounts at no additional charge.


Account login required?

Certain other Emoney payment services require the customer to create or login to their account before the payment can be processed.

A Nochex account does not require such an additional login procedure. Customers can pay simply and quickly with their preferred credit or debit card.

As a result of this streamlined process, abandoned shopping carts are reduced thus increasing your sales and profits!


VAT registration required?

Nochex do not require merchants to be registered for VAT before they can open and operate an account. We have designed our service to be accessible to merchants of all sizes, regardless of their company status and size.

Combined merchant account and gateway
Instant cash withdrawals Tick
Accept all major credit and debit cards Tick
Accepted territories UK & International
Configurable hosted payment page Tick
Shopping cart compatible Tick
Quick and easy to integrate Tick
Online reporting & management area Tick
Online auction friendly Tick
Account limits  
Maximum transaction value Negotiable
Daily withdrawal limit Negotiable
Fees & Pricing  
Transaction rate (per transaction) Tiered % +20p
Set up charge £50
Monthly fees or annual fees None
Retained balance Varies upon business
Email support Tick
Account manager with phone support Tick
Anti-fraud tools  
AVS and CV2 checking Tick
3D Secure enabled Tick
Why Nochex is different  
Account login required? No
VAT registration required? No
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