E-commerce Payments
Invoicing & Virtual Terminal
B2B & Level 2/3
Restaurants & Hospitality
Merchant funding
Need cash to grow your business?
Fast, hassle-free funding based on your processing history. Use it for inventory, store upgrades, equipment or staff. Simple approvals, no hidden fees and repayment that fits your cash flow. Available even if you don't process with us yet.
Quick approvals
No hidden fees
Repay with sales
Operators who get it
Funds in days
How it works
Capital based on what you already sell
Share three months of processing statements and we size an offer around your card volume. Repay through a small fixed percentage of daily sales, so slower weeks mean smaller payments.
- Quick application with no lengthy approval process
- Repayment tailored to your cash flow
- No long-term contracts or hidden fees
- Available to merchants who process elsewhere
Use the funds for
Invest in what moves your business
Why choose EconoPay
More than just a payment processor
Lower processing rates
Keep more of every sale with transparent, competitive pricing and no hidden fees.
Advanced security
PCI-certified tools with encryption and real-time fraud monitoring.
Fast & reliable funding
Next-day deposits plus flexible merchant funding options.
Dedicated support
A team that knows your account by name, not a call centre.
Perfect for a wide range of industries
- Retail & boutiques
- Restaurants & cafés
- Convenience & gas
- Smoke & vape shops
- Automotive
- Health & wellness
Industries we serve
Funding for your industry
Retailers, restaurants, c-stores, smoke shops and service businesses use EconoPay funding to grow without a bank loan.
View all industries →
Retail & Boutiques
Restaurants & Hospitality
Convenience & GasHow it works
Get started in 4 simple steps
1Get started
Tell us about your business and payment needs.
2Talk to an operator
A specialist who runs businesses like yours recommends the right setup and pricing.
3Quick setup
Approved in 24–48 h; equipment arrives pre-programmed.
4Grow your business
Next-day deposits, real-time reporting, lower fees.
Frequently asked questions
Talk to an expertMerchant Funding FAQs
How does EconoPay’s merchant funding work?
Our merchant funding program provides fast, flexible capital based on your existing card-processing history, even if you're not processing with EconoPay today. No lengthy approval process or complicated paperwork. Use the funds for inventory, store upgrades or staff, with a repayment plan that fits your cash flow.
Who is eligible for merchant funding?
Businesses with at least three months of card-processing history. You do not need to process with EconoPay to apply.
How is merchant funding repaid?
Through a small, fixed percentage of your daily card sales, so repayments flex with your cash flow.
What do I need to get started and how fast can I sign up?
Three months of recent processing statements, your corporate documents and basic identification. Most merchants are approved within 24–48 hours once complete documents are in, and deposits are next-day.
Do you require contracts or charge cancellation fees?
Never. You stay with EconoPay because we deliver value, not because you are locked into a long contract. There are no long-term contracts and no cancellation penalties.
What kind of support do you provide?
24/7 live support from a dedicated team that knows your account by name, not a call centre.
Ready to get started with Merchant Funding?
Get a customised solution with transparent pricing and expert support.