In this review of Nochex, a UK-based e-commerce merchant account provider established in 1999, we’ll look at their online payment processing services, including global credit and debit card transactions and advanced fraud prevention measures. We’ll discuss how easy it is to integrate Nochex with online shopping carts, their multi-currency transaction capabilities, and phone payment options.
We’ll examine key aspects such as Nochex’s customer support, fee structure, contract terms, and the types of rates they offer to provide insights into their business model. Additionally, we’ll address common user complaints, industry reputation, and marketing strategies. This review aims to give a clear and informative overview of Nochex, helping businesses understand its suitability as an e-commerce payment processing partner.
About Nochex
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.
Nochex Homepage
Nochex Products and 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.
Nochex offers online payment processing services based out of the UK
Nochex Customer Reviews
Here's What Their Clients Say
Customer Reviews Summary
Total Online Complaints
100+
Live Customer Support
Yes
Most Common Complaint
Fund Holds
Recent Lawsuits
No
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.
Legal Standing and Regulatory Compliance of Nochex
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.
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.
Nochex Fees, Rates & Costs
A Closer Look at The Contract
Rates & Fees Summary
Cancellation Penalties
Yes
Monthly & Annual Fees
Yes
Processing Rates
Variable
Equipment Leasing
No
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
Nochex Employee Reviews & Sales Tacitcs
Should You Work For Them?
Jobs & Marketing Summary
Uses Independent Resellers
No
Telemarketing
No
Misleading Marketing
No
Discloses All Important Terms
Yes
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.
Our Nochex Review Summary
Our Final Thoughts
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.
Contact Nochex
Contact & Customer Support
CEO
Martin Greenbank
Headquarters
Leeds Innovation Centre, 103 Clarendon Rd, Leeds, LS2 9DF, UK
Customer Support
0113 819 7211
Inquiries for New Accounts
0113 819 7220
Additional Support Channels
Online Contact Form
Website
https://www.nochex.com/
Testimonials & Complaints
How Did Nochex Treat You?
12 User Reviews
MERIEL BEST
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.
Rose Silva
I have contacted NoChex several times, as well as the business from which I made my purchase, with no resolution.
Don’t even try to get a refund from them, it will not happen.There is no way a legitimate business will use NoChex.
If you associate your company with NoChex, your reputation will suffer.
Anyone who makes a good statement about them probably is as shady as they are.
Zahid Shah
PLEASE AVOID paying through Nochex, there is no buyer protection.
I mistakenly order IMIE unlock from a site through Nochex, they failed to unlock my phone, and didnt refund me.
When I contact the Nochex Customer Support, they end up with the message below which is so disappointing.
“we cannot supersede the merchants decision.
We cannot assist you further in regards to the matter
“
Jorge Jimenez
Got scammed by a Cell Unlock Site. Nochex didn’t helped.
Stay away!
Will Bellamy
Absolutely a waste of time, do not know what they are doing. Actually why would you even use Nochex when there are far better companies to take card payments.
NOchex is a SCAM. I paid for something that never got the service for. and after the fact, when I had an email confirming they would pay me back if I withdrew the dispute in my bank for that payment, they are writing to me in very bad manners that they won’t pay me a penny, regardless of the email I had received where they said they would. Never NEVER trust this unprofessional website where they just want your money and don’t care about customer service (don’t really think they know what customer service is).
SCAM
Nochex made an unauthorized transaction on my debit card account and I have tried to contact them several times to no avail , I don’t know this company never heard of this company ever before !! I need my money refunded , and there is no way to contact them other than email . This company is a scam how can they let just anybody process payments with other people’s personal information without their consent !! I am reporting this to the authorities!! Does anyone know how else to contact this so called company !
We had account with them for around 10 years, normally we have used Nochex payment gateway as alternative method of payment (additional payment option for customers) and that particular business became less active. A couple days ago tried to access account and discovered that they did temporary suspended our account for inactivity. Ok, thought to open a ticket to investigate the issue as we never ever received anything in communication about it.
Via ticket found out the following:
– they did temporary suspended our account for inactivity;
– they did emptied account due to inactivity as we had some money left;
We have never had any notification or any update of terms and conditions!
Without any notification they did temporary suspended our account? Without any notification emptied account? How it’s possible if this guys are regulated by FCA in UK? If they do regulated by FCA how fair is it?
My recommendation is beware of Nochex scam company!
Be very careful before using this company. They have taken over €2000 of our customers money and refuse to release it, give any reason why they will not release it, give any timescale as to when, if ever they will release it. Read on-line reviews. Not to be trusted
Charith
Complete fraudulent company.Never supports for customer. Stay away this site.
David Savery
Nochex claims to be the go-to company for small businesses wanting to take card payments don’t ring true in my experience. As an electrician who wanted to give clients an alternative way to pay invoices, and dissatisfied with PayPal who I had trialled, I turned to Nochex who seemed to have all the reassuring answers on their website. They charged a £50 setup fee and getting the website integration in place was easy, but then they kept changing their mind about how much had to be retained in the account, and after just four transactions in as many weeks they closed the account without notice nor refund because they claimed ‘business model wasn’t suited’. My business model is that I provide a service and then bill my customer who, hopefully, pays up. As far as business models go, it’s pretty straightforward. I now use WorldPay who give me no trouble at all, have no setup fee and charge less to process transactions. Steer clear of Nochex unless you want to risk being fifty quid lighter. A full blog article on the debacle is posted on my website for anyone wishing to research them further.
Alan Coughlan
Nochex process payments for iPhone official unlock but this is a scam company but nochex don’t mind and won’t refund the payments
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MERIEL BEST
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.
Rose Silva
I have contacted NoChex several times, as well as the business from which I made my purchase, with no resolution.
Don’t even try to get a refund from them, it will not happen.There is no way a legitimate business will use NoChex.
If you associate your company with NoChex, your reputation will suffer.
Anyone who makes a good statement about them probably is as shady as they are.
Zahid Shah
PLEASE AVOID paying through Nochex, there is no buyer protection.
I mistakenly order IMIE unlock from a site through Nochex, they failed to unlock my phone, and didnt refund me.
When I contact the Nochex Customer Support, they end up with the message below which is so disappointing.
“we cannot supersede the merchants decision.
We cannot assist you further in regards to the matter
“
Jorge Jimenez
Got scammed by a Cell Unlock Site. Nochex didn’t helped.
Stay away!
Will Bellamy
Absolutely a waste of time, do not know what they are doing. Actually why would you even use Nochex when there are far better companies to take card payments.
This post will help: Best UK Merchant Accounts
-Phillip
Luis Garcia de Figueroa
NOchex is a SCAM. I paid for something that never got the service for. and after the fact, when I had an email confirming they would pay me back if I withdrew the dispute in my bank for that payment, they are writing to me in very bad manners that they won’t pay me a penny, regardless of the email I had received where they said they would. Never NEVER trust this unprofessional website where they just want your money and don’t care about customer service (don’t really think they know what customer service is).
SCAM
This post will help: Best Payment Processors for Great Customer Service
– Phillip
Adriana campos
Nochex made an unauthorized transaction on my debit card account and I have tried to contact them several times to no avail , I don’t know this company never heard of this company ever before !! I need my money refunded , and there is no way to contact them other than email . This company is a scam how can they let just anybody process payments with other people’s personal information without their consent !! I am reporting this to the authorities!! Does anyone know how else to contact this so called company !
From The Editor
This Post Might Help: How to Report a Bad Credit Card Processor
Alex
We had account with them for around 10 years, normally we have used Nochex payment gateway as alternative method of payment (additional payment option for customers) and that particular business became less active. A couple days ago tried to access account and discovered that they did temporary suspended our account for inactivity. Ok, thought to open a ticket to investigate the issue as we never ever received anything in communication about it.
Via ticket found out the following:
– they did temporary suspended our account for inactivity;
– they did emptied account due to inactivity as we had some money left;
We have never had any notification or any update of terms and conditions!
Without any notification they did temporary suspended our account? Without any notification emptied account? How it’s possible if this guys are regulated by FCA in UK? If they do regulated by FCA how fair is it?
My recommendation is beware of Nochex scam company!
From The Editor
This Post Might Help: Best UK Merchant Accounts
Andy Mills
Be very careful before using this company. They have taken over €2000 of our customers money and refuse to release it, give any reason why they will not release it, give any timescale as to when, if ever they will release it. Read on-line reviews. Not to be trusted
Charith
Complete fraudulent company.Never supports for customer. Stay away this site.
David Savery
Nochex claims to be the go-to company for small businesses wanting to take card payments don’t ring true in my experience. As an electrician who wanted to give clients an alternative way to pay invoices, and dissatisfied with PayPal who I had trialled, I turned to Nochex who seemed to have all the reassuring answers on their website. They charged a £50 setup fee and getting the website integration in place was easy, but then they kept changing their mind about how much had to be retained in the account, and after just four transactions in as many weeks they closed the account without notice nor refund because they claimed ‘business model wasn’t suited’. My business model is that I provide a service and then bill my customer who, hopefully, pays up. As far as business models go, it’s pretty straightforward. I now use WorldPay who give me no trouble at all, have no setup fee and charge less to process transactions. Steer clear of Nochex unless you want to risk being fifty quid lighter. A full blog article on the debacle is posted on my website for anyone wishing to research them further.
Alan Coughlan
Nochex process payments for iPhone official unlock but this is a scam company but nochex don’t mind and won’t refund the payments