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In this review of Nochex, a UK-based e-commerce payment provider founded in 1999, we examine their online payment services, including global credit and debit card processing, fraud prevention tools, shopping cart integrations, multi-currency support, and phone payment options. Our analysis covers fees, contract terms, rate structures, and the quality of customer support, while also addressing user complaints, industry reputation, and marketing practices. By weighing both the strengths and challenges of their services, this review provides businesses with a clear overview of Nochex to help determine whether it is the right payment partner for their needs.
About Nochex
Nochex Homepage
Founded in 1999, Nochex is a merchant account provider the specializes in serving e-commerce businesses in the UK and Europe. The company does not provide in-store products for face-to-face payments, so the only way that it can serve brick-and-mortar businesses is as an add-on service for e-commerce. Their online processing services include payment gateways, invoicing and subscriptions, MOTO, MPOS, and payments for competitions, charities, and fundraisers.
Products & Merchant Services
Payment Processing
Nochex offers a payment processing solution that enables businesses to accept credit and debit card payments from customers worldwide.
Fraud Prevention
Nochex prioritizes security with advanced fraud prevention measures to protect businesses and their customers.
Online Shopping Cart Integration
The Nochex platform integrates with popular online shopping cart systems, making it easy for businesses to set up and manage their online stores.
Currency Conversion
To accommodate international customers, Nochex offers a currency conversion feature that allows businesses to accept payments in multiple currencies.
Phone Payments
Nochex also enables businesses to accept payments over the phone through their virtual terminal.
Customer Support
Nochex provides robust customer support, assisting businesses with any questions or issues.
Customer Reviews & Sentiment
Detailed Review of Nochex Customer Feedback
Our research has uncovered more than 100 negative reviews about Nochex, with accusations ranging from the company being labeled a scam to criticisms of it being a ripoff. Predominant issues highlighted by customers include fund holds, subpar customer service, unauthorized withdrawals from accounts, and challenges in utilizing or integrating Nochex’s services. While numerous complaints originate from consumers encountering fraudulent products sold by merchants using Nochex, these have not been a major consideration in our assessment, focusing instead on feedback directly related to Nochex’s service to its clients. Nonetheless, complaints regarding customer service and fund holds have influenced a reduction in Nochex’s rating in this segment. The company’s responses to complaints filed against it show variability in professionalism and tone.
Total scam. I paid for the Dartford Crossing with them and it did not get passed on to the Gov. department, so I received a penalty notice, which I am still trying to sort out and get a refund.
don’t use them.
Positive Feedback
There are no positive reviews published about CardConnect on the PaymentPop website.
Nochex BBB Rating
The Better Business Bureau does not maintain a profile for Nochex at this time. We therefore will not factor a BBB rating into this review.
Trustpilot Rating for Nochex
Nochex has a 2.6 out of 5 star rating based on 904 user reviews on Trustpilot.
Positive Feedback
Great customer service, very prompt response and dealing with client’s requests, friendly and helpful team. Thank you
Negative Feedback
Scam site, don’t give them your money.
Google Maps Rating for Nochex
Nochex has a 2.3 out of 5 star rating based on 9 user reviews on Google Maps.
Negative Feedback
Who are these people I used their site to pay for a dartford crossing my bad I didnt take much notice… its a scam !!
Processing Rates & Fees
Three Types of Rates
Nochex provides three distinct rates: an invoice rate, a telephone payment rate, and a charity donation rate. Merchant accounts entail a one-time setup fee of £50, chargeback fees of £30 (for chargebacks exceeding 1% of all monthly transactions), and a per-transaction fee of 2.9% plus £0.20 for invoice payments. Telephone payments incur a rate of 3.2% plus £0.20 plus a £10 monthly fee. For charity donations, Nochex charges an exclusive rate of 1.4% plus £0.10.
Merchant accounts may face a £500 administrative charge for closures. Nochex reserves the right to close accounts engaged in fraudulent or illegal activity. Personal accounts also incur a 2.9% plus £0.20 per transaction fee but do not include a setup fee. Both account types operate on a pay-as-you-go basis, without monthly or annual fees or early termination fees. They also grant access to all of Nochex’s other business services. Nochex’s pricing is more competitive than traditional merchant accounts for brick-and-mortar retailers but averages for online-only payment processors.
Virtual Terminal and Payment Gateway Pricing
In addition to its storefront payment processing, NoChex promotes its virtual terminal and payment gateway services on its website, though pricing remains undisclosed. Additional rates and fees, including gateway fees, technical support fees, batch fees, and additional transaction rates, typically apply to these e-commerce services.
Client Contract Complaints
While clients generally commend Nochex for its affordability, a notable number have raised concerns about transaction limits or rolling reserves imposed on accounts. This precautionary measure aims to mitigate exposure to high-risk merchants but has surprised enough business owners to warrant attention, especially for nonstandard or high-risk business types. Overall, Nochex’s contract terms offer low-cost and low-commitment options, but satisfaction levels vary among businesses.
Among its e-commerce services, Nochex offers access to a payment gateway
Lawsuits & Legal History
To date, there are no recorded class-action lawsuits or Federal Trade Commission (FTC) complaints against Nochex. Merchants seeking resolutions outside of litigation are advised to report their experiences to appropriate regulatory authorities.
Employee Reviews & Sales Practices
Inside Sales Staff
Nochex appears to rely on traditional advertising and an in-house sales team to market its services. There is no evidence that the company employs independent sales agents, and we haven’t found any Nochex reviews that describe deceptive tactics by the company’s sales team. This compares favorably to our list of best credit card processors.
Partnership with Bumblebee Auctions
Nochex advertises a partnership with Uk based e-commerce auction house Bumblebee Auctions on its website. Using the auction house requires the set up of a personal account with Nochex to facilitate transactions. Nochex charges up to 3£ to verify their Bumblebee Auctions account.
Clearly Listed Fees
A few complainants have mentioned that Nochex withdrew money to verify their accounts and never returned it, but it’s possible that this was simply Nochex’s clearly disclosed setup fee. Nochex lists this setup fee and its per-transaction fee on its website, and there are no complaints that suggest that these fees are misleading. Overall, Nochex doesn’t appear to suffer from any serious issues with its sales approach. However, if you suspect that Nochex is charging you undisclosed fees, we recommend seeking a third-party statement audit to find and eliminate hidden charges.
Nochex Competitors
Compare Nochex to competitors that earned top marks.
Nochex is assessed as a reliable e-commerce credit card processing provider. The company has faced a low-to-moderate volume of complaints, which provides a mostly positive impression of its business practices. Despite this, some customers have reported concerns regarding occasional fund holds, underscoring the importance of understanding their policies.
Pricing and contract terms are generally favorable for clients, offering a low-cost, low-risk option. Although not ranked among the top-rated UK merchant account providers, Nochex is well-suited for small and midsize e-commerce businesses that aim to accept payments via their websites. However, business owners are advised to carefully compare Nochex’s terms and services with those of top-rated providers to ensure they receive the best overall value.
