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Ecommpay full-stack payments

Company overview

About Ecommpay

What the company provides

  • Acquirer
  • Open Banking
  • Processor
  • Gateway
  • Payouts
  • Orchestrator
  • Direct card acquirer and payment processor
  • Open Banking payment integration
  • Payment service provider and gateway
  • Regulated payment service provider and card processor

Merchant accounts, gateway access, transaction processing and funds handling depend on the selected product.

Ecommpay combines direct card acquiring, a proprietary payment gateway, local and alternative payment methods, open-banking payments, orchestration, recurring billing and merchant-funded payouts.

Ecommpay Limited is the disclosed UK contracting and regulated payment-services entity; the exact acquiring route, external payment-method provider, settlement terms and payout rail remain product- and agreement-specific.

Founded 2012ecommpay.comUpdated Aug 15, 2026

Selected product

Ecommpay full-stack payments

Ecommpay direct card acquiring

Merchant account & merchant review

  1. Merchant account

    Varies by agreement

  2. Merchant underwriter

    Ecommpay reviews merchant applications

    Merchant underwriting is included with this product.

Primary legal entity

Ecommpay Limited

Jurisdiction
United Kingdom
Registration number
08580802
Incorporated
Jun 23, 2013
Company type
Private limited company

Legal entities by jurisdiction

2 legal entities across 2 jurisdictions

  • Latvia1 entity
  • United Kingdom1 entity

Operating scale

Alternative payment methods
≥100 alternative payment methods
Employees
≥500 employees

The legal entity supplying a product can differ by product and country.

Product portfolio

Ecommpay products

Compare merchant acquiring and card processing, payment orchestration, Pay by Bank, and payouts by account setup, approval, payment or data flow, and contract terms.

Ecommpay full-stack payments

Role in this product

  • Direct card acquirer and payment processor
  • Direct card acquirer
  • Gateway and certified processing platform
  • Card scheme clearing and merchant settlement
  • Payment service provider and gateway
  • Merchant gateway payment processing and reporting

The core payment platform combines Ecommpay's gateway and processing stack with direct card acquiring, contracted local payment methods, payment-page and API integrations, Currency Choice for eligible projects and payers, tokenization, fraud controls, recurring payments, refunds, chargeback operations, reporting and merchant settlement.

Related services
Alternative payment methodsChargeback managementDecline recoveryDirect APIEmbedded payment fieldsFraud preventionGlobal acquiringHosted checkoutMerchant accountsMerchant settlementPayment linksPayment vaultRecurring billingCurrency conversion
Features
AcquiringChargebacksCheckoutComplianceFraud and riskGatewayMerchant accountOnboardingPayment operationsPricingReconciliationReportingSettlementSupportUnderwritingCurrency management

UK small-business card payments

Role in this product

  • Regulated payment service provider and card processor
  • Merchant onboarding payment processing and settlement

A separate pay-as-you-go online card-payment route for eligible UK small businesses.

Public eligibility requires a UK-registered business, an active website, at least six months of trading, annual revenue below €2 million and fewer than ten employees. Its public card rates and T+5 settlement schedule are not applied to Ecommpay's enterprise or custom acquiring routes.

Related services
Hosted checkoutMerchant settlement
Features
GatewayCheckoutPayment operationsUnderwritingOnboardingPricingSettlementReportingSupportCompliance

Ecommpay payment orchestration

Role in this product

  • Payment orchestration provider
  • Payment orchestration and routing layer
  • Routing configuration and unified payment operations

The orchestration route lets a merchant connect Ecommpay acquiring and payment methods to a wider payment setup, apply routing and retry logic, and retain a unified operational view.

An external route remains contracted to and performed by the selected provider; Ecommpay is not treated as the acquirer or holder of funds for every orchestrated transaction.

Related services
Decline recoveryPayment orchestrationPayment routing
Features
ComplianceFraud and riskGatewayClient onboardingOrchestrationPricingReportingSupport

Ecommpay open banking

Role in this product

  • Open Banking payment integration
  • Merchant integration payment initiation workflow and reporting

Open-banking payment initiation is available through the Ecommpay platform alongside cards and Direct Debit.

Ecommpay provides the merchant integration and payment workflow; the payer's bank authenticates the customer and executes the bank-account transfer under the applicable scheme.

Related services
Alternative payment methodsDirect API
Features
ComplianceGatewayOnboardingPayment operationsPricingReportingSupport

Ecommpay Payouts

Role in this product

  • Payouts
  • Payout API screening processing and status reporting

Payouts sends merchant-funded single or mass transfers to customers through supported cards, bank accounts and alternative payment methods.

The platform records a payout as a merchant-to-customer transfer; destination coverage, currency, funding, timing and the connected rail depend on the approved payout configuration.

Related services
Customer payoutsDirect API
Features
ComplianceFraud and riskOnboardingPayoutsPricingReconciliationReportingSupport

Selected product

Ecommpay full-stack payments

Related services
14 capabilities
Features
16 capabilities

Merchant account, approval, processing & settlement

Who supplies the merchant account, approves the merchant, processes payments and settles funds.

01 · Role in this product
Direct card acquirer and payment processor · Direct card acquirer · Gateway and certified processing platform · Card scheme clearing and merchant settlement · Payment service provider and gateway · Merchant gateway payment processing and reporting
02 · Merchant account
Varies by agreement
03 · Merchant underwriting
Ecommpay performs merchant underwriting
04 · Merchant settlement
Varies by agreement

Selected product: Ecommpay full-stack payments.

Payment processing

Ecommpay full-stack payments: processing, approval & settlement

Review the payment services included with this product and which companies approve the account, process payments and send merchant settlement.

Selected product: Ecommpay direct card acquiring

Included in Ecommpay full-stack payments

Features included with this product.

Solutions
Alternative payment methodsChargeback managementDecline recoveryDirect APIEmbedded payment fieldsFraud preventionGlobal acquiringHosted checkoutMerchant accountsMerchant settlementPayment linksPayment vaultRecurring billingCurrency conversion
Capabilities
AcquiringChargebacksCheckoutComplianceFraud and riskGatewayMerchant accountOnboardingPayment operationsPayment vaultPricingReconciliationRecurring billingReportingSettlementSupportUnderwritingCurrency management

Account approval, payment processing & settlement

Who approves the account, processes payments and sends merchant settlement for Ecommpay full-stack payments; any separate merchant account or acquirer is shown only when identified.

Included

Merchant acquiring

Merchant account, card-network access, sponsor bank and acquirer.

Acquiring responsibilities

Who provides the merchant account, acquires transactions and settles merchant funds for this product.

Role in this product
Direct card acquirer and payment processor
API-oriented
Yes
Merchant funds
Handles merchant funds at one or more stages
Merchant funds
Yes
Transaction processing
Yes
Merchant settlement
Yes
Direct acquiring
Yes
Merchant account
Yes
Gateway included
Yes
Onboarding included
Yes
Merchant support included
Yes
Consumer support included
No
Account relationship
Merchant remains the seller and consumer counterparty
Merchant account model
Ecommpay directly acquires approved card transactions and settles the merchant under the signed agreement; the public materials do not establish a dedicated MID or one account structure for every merchant.
Payment processing model
Ecommpay operates the gateway and processing platform and states that it performs direct card acquiring as a Visa and Mastercard principal member.
Seller funds model
Payment-service funds received for merchants are safeguarded separately from Ecommpay operational money and settled under the merchant agreement after applicable fees, refunds, chargebacks, reserves or other agreed deductions.
Seller of record
No
Tax responsibility
No
Availability
Final merchant approval, card acceptance, acquiring geography, currencies, settlement schedule and commercial terms are determined during onboarding and contracting.

Merchant account

Merchant account, acquiring and settlement

Capabilities
  • Direct online card acquiring
  • Card authorization clearing and settlement
  • Visa principal membership
  • Mastercard principal membership
  • Refund and chargeback operations
  • Multi currency card processing
Merchant account
Yes

Card network access

Visa
Principal member
Mastercard
Principal member
Scope
The public regulatory notice identifies principal membership but does not specify a complete acquiring-country or BIN list.

Sponsor bank & acquirer

Sponsor relationships
  • None
Questions to confirm

What dedicated MID applies to Ecommpay direct card acquiring?

Dedicated MID is not specified for Ecommpay direct card acquiring.

What domestic or offshore MID applies to Ecommpay direct card acquiring?

Domestic or offshore MID is not specified for Ecommpay direct card acquiring.

Which legal entity is the acquirer or merchant-account provider in the signed agreement?

Ecommpay direct card acquiring may be contracted through different regulated entities or sponsor banks.

Merchant eligibility · Ecommpay direct card acquiring

Can my business apply, and who makes the underwriting decision?

Ecommpay reviews merchant applications.

Merchant eligibility

Business-country eligibility for this processing product is not specified

Company offices do not establish merchant-account or processing eligibility.

Underwriting decision

Ecommpay reviews merchant applications

Merchant underwriting is included with this product.

Underwriting type
Merchant underwriting
Product
Ecommpay direct card acquiring
Owner & operating location
Owner, director and operating-location requirements are not specified
Regulated-business license
Required for regulated businesses

The accepted license, jurisdiction and operating entity are not specified.

01Merchant eligibility & restrictions

What are the eligibility requirements and restricted business types?

Underwriting requirements and restrictions determine whether the merchant can be accepted. Serving an industry does not mean every merchant in that industry will be approved.

Eligibility requirements

01

Startups

Case by case

02

Business bank account

Required

03

High-volume processing

Available

04

Processing statements

Not specified

Confirm how many complete statement months are required

05

Eligibility information

Ecommpay makes the final product and service eligibility decision during onboarding. Pricing, reserves, settlement timing, acquiring geography and limits are not specified as one universal policy.

06

Merchant application decision

Ecommpay makes the final eligibility, product, method and acquiring decision after compliance and risk review.

07

PSP and acquirer connection requirements

An external orchestrated provider or connected payment method may run its own separate onboarding and retain its own acceptance decision.

Approval, an agreement or credentials may be required for the PSP or acquirer selected for the payment setup; the exact requirements are not specified.

Restricted activity

Business restrictions

Product · MCC · jurisdiction · sales practice

Product, MCC, sales-practice and jurisdiction restrictions are not specified for this product.

02Underwriting documents

What must be ready before underwriting starts?

The application, supporting documents and underwriting checks required before a merchant account can be opened.

Underwriting documents

Prepare documents → submit application → merchant underwriting

Missing documents or eligibility details can delay the underwriting decision.

Processing application documents

Documents to prepare

  1. 01Company registration
  2. 02Directors representatives and beneficial owners
  3. 03Business model products and services
  4. 04Merchant website or app
  5. 05Processing markets methods and currencies
  6. 06Settlement bank account
  7. 07Financial and processing information when requested
  8. 08license for regulated business when applicable
  9. 09Company registration documents
  10. 10Director representative and beneficial owner documents
  11. 11Proof of bank account
  12. 12Business and product description
  13. 13Financial processing or licensing information when requested
  14. 14Registered business
  15. 15Identity and beneficial ownership verification
  16. 16Business model and website review
  17. 17Payment flow and geography review
  18. 18Settlement account verification
  19. 19Sanctions AML and fraud risk review

Merchant review & processing activation

  1. 01

    Application and product scoping

  2. 02

    Company ownership and representative verification

  3. 03

    Business website payment flow and risk review

  4. 04

    Commercial and settlement configuration

  5. 05

    Technical integration and testing

  6. 06

    Production approval

Application checks

Underwriting checks

Application and activation requirements.

Website requirements

  • Company and contact information
  • Terms and conditions
  • Privacy policy
  • Refund and cancellation policy
  • Goods or services and pricing

Merchant-account and processing requirements

  • Company and representative verification
  • Beneficial owner verification
  • Industry products and services
  • Website or app
  • Payment and payout flow
  • Merchant risk
  • license for regulated business when applicable

Processing onboarding tasks

The onboarding tasks performed by the provider are not specified

Before applying

Application requirements to confirm

Business history, volume, account conditions, restrictions and review timing are not fully specified.

Business history & risk

Startup status, processing history, credit, MATCH and chargeback tolerance.

  1. 01

    Will you consider a merchant listed in Mastercard MATCH for this product, and under what conditions?

    Eligibility for merchants listed in Mastercard MATCH is not specified.

  2. 02

    Will you consider adverse credit or a previous processor termination, and under what conditions?

    Eligibility after adverse credit or a previous processor termination is not specified.

  3. 03

    Is processing history required, and how many complete months of statements must I provide?

    Processing-history requirements and the minimum period are not specified.

  4. 04

    Will you consider prior high chargebacks, and what chargeback ratio is acceptable?

    Neither a complete high-chargeback policy nor an acceptable ratio is specified.

Volume & account conditions

Ticket limits, volume expectations, guarantees and bank-account rules.

  1. 05

    Is a personal guarantee required, and what business bank-account conditions must be met before activation?

    Personal-guarantee and business-bank-account requirements are not specified.

  2. 06

    What monthly-volume, average-ticket, maximum-ticket and high-volume review thresholds apply?

    Volume and ticket thresholds are not specified.

Approval & restrictions

Who reviews the business and which products, jurisdictions or MCCs are excluded.

  1. 07

    Which products, MCCs, sales practices and jurisdictions are prohibited for this product?

    Product-specific restrictions on products, MCCs, sales practices and jurisdictions are not specified.

Underwriting process & approval time

Decision criteria, manual review, when review starts or pauses, and decision timing.

  1. 08

    How long do preliminary and final approval take after a complete application is submitted?

    Approval time is not specified for at least one stage.

Payment methods & countries · Ecommpay direct card acquiring

Where can the business process payments, and which methods are available?

Acquiring is included with this product; each payment method still depends on the merchant configuration.

Selected product

Ecommpay direct card acquiring

Availability depends on the product and merchant

Selected product

Business applying for processing

Business-country eligibility for this processing product is not specified

The business registration country, acquiring countries and customer countries are separate requirements.

Method categories

  • Bank debit
  • Bank transfer
  • Card payouts
  • Cards
  • Local payment methods
  • Open banking
  • Real-time bank payments
  • Wallets

Alternative payment methods

≥100 alternative payment methods

The alternative payment methods total can include several products; the number available with this product depends on the agreement.

Currencies

≥130 customer choice currencies

The currencies total can include several products; the number available with this product depends on the agreement.

Availability depends on

  • Merchant approval
  • Merchant industry
  • Merchant legal entity location
  • Payer or recipient country
  • Payment or payout type
  • Currency
  • Contracted acquiring route
  • Connected payment method provider
  • Account configuration
  • Local regulatory requirements

Acquiring is included with Ecommpay direct card acquiring. Payment-method availability depends on the legal entity, country, currency, industry, MCC and transaction type in the merchant agreement.

01Payment-method availability

Card acceptance, bank payment rails, digital wallets, and card payouts

Payment-method availability depends on the selected product, legal entity, merchant country, customer country, currency, merchant category and account configuration.

Card acceptance

Card types

  • Credit card
  • Debit card
  • Prepaid card

Card brands

  • Visa
  • Mastercard

Bank payment rails

Bank methods

  • Open banking payment initiation
  • Direct debit
  • Local bank transfer
  • Instant bank payment

Bank-transfer rails

Bank-transfer rails by currency are not specified

Digital wallets

Wallets

  • Apple Pay
  • Click to pay
  • Google Pay
  • PayPal

Card payouts

Card payout rails

  • Supported credit and debit card payout rails
02Countries & availability

Where can the business be registered, where is acquiring available, and where can customers pay?

Business location, merchant-account coverage, acquiring countries and customer location can differ.

Country coverage

Merchant, acquiring, customer and product countries

  1. 01

    Business location

    Where can the business applying for processing be registered?

    Business-country eligibility for this processing product is not specified

    This is where the business is registered; it does not determine acquiring-country or customer-country availability.

    Merchant application review
  2. 02

    Acquiring countries

    Where is merchant acquiring available?

    Europe

    Europe is published as an acquiring region; the source does not specify a country-by-country list. The acquiring entity for each market is not specified.

    Selected product
  3. 03

    Customer location

    Where can customers pay from?

    Customer countries are not specified

    Customer countries by payment method and currency are not specified for this product.

    Across all products

Countries and payment methods

Countries and payment methods to confirm

  1. Which payment methods are available for my legal entity, customer countries, currencies, industry, MCC and transaction types?

    The payment methods included for the selected product, legal entity and merchant configuration are not specified.

  2. Which customer countries are available for each payment method in the agreement?

    Customer countries are not specified for each payment method.

  3. Which countries are available for each product and payment method?

    Country availability by product and payment method is not specified.

  4. Which country launches are planned, and on what timeline?

    Planned country launches and dates are not specified.

  5. Which legal entity provides acquiring, and which entity settles funds in each target market?

    Additional acquiring countries and the acquiring entity for each market are not specified.

Pricing & funds · Ecommpay direct card acquiring

What does this product cost, and when are funds settled?

Fees and reserves are governed by the merchant-account agreement

Pricing

Standard processing rate is not specified for this product

The processing rate is not specified.

Pricing method

Custom quote

01Commercial terms

What makes up the quoted price?

Review the pricing plan, pricing model, fees and contract duration.

  1. 01 · Pricing plan

    • Ecommpay acquiring and payment-platform pricing

  2. 02 · Pricing model

    • Custom

Fee structure

Fees that may appear in the agreement for this product

  1. 01
    Possible fees
    May apply
    • Card or payment method processing
    • Gateway or platform
    • Foreign exchange
    • Refund and chargeback
    • Settlement
    • Risk or value added services

    Amounts and applicability vary by merchant agreement.

Fees requiring a quote

Amounts and waivers are not specified

monthly fee
setup fee
application fee
annual fee
gateway fee
PCI fee
batch fee
early-termination fee
monthly minimum
02Reserve holder

Which entity can establish or hold a reserve?

The reserve holder, amount and release conditions are not specified.

Reserve holder

The entity holding the reserve is not specified

Reserve holder

Reserve terms are not specified for this product

Reserve terms from another product or provider do not apply to this product.

03Merchant settlement

When are sale proceeds settled, and who sends them to the merchant?

Settlement makes processed sale proceeds available to the merchant.

Merchant settlement

Sale proceeds and settlement responsibility

Settlement schedule

  • Ecommpay direct card-acquiring settlement: Set in agreement

Settlement methods

  • Methods: Bank transfer

Pricing & settlement terms

Terms to confirm in the agreement

Price

  1. What is the effective processing price for Ecommpay direct card acquiring, including the percentage rate, per-transaction fee, interchange and card-network fees, and currency-conversion markup?

    Standard processing rate is not specified for the selected product.

  2. Which of these apply, at what amount and on what trigger: monthly fee, setup fee, application fee, annual fee, gateway fee, PCI fee, batch fee, early-termination fee, and monthly minimum?

    Amounts and waivers are not specified for these fees.

  3. What are the initial term, renewal term, cancellation notice period and early-termination charge for this product?

    The initial term, renewal and cancellation terms are not specified for this product.

  4. For Ecommpay direct card-acquiring settlement, what is the contractual settlement delay, cutoff timezone and treatment of weekends or holidays?

    The settlement frequency or delay, cutoff timezone, and treatment of weekends or holidays are not fully specified.

  5. Is there a minimum settlement amount, carry-forward rule or fee below threshold for Ecommpay direct card-acquiring settlement?

    A settlement minimum or carry-forward rule is not specified.

Reserve & held funds

  1. Can Ecommpay direct card acquiring require a rolling reserve, security deposit or post-termination hold, and what are the percentage, cap, duration and release trigger?

    The reserve percentage, cap, hold period or release terms are not fully specified for this product.

Reporting data flow · Ecommpay direct card acquiring

How are payment data, reports, exports and reconciliation handled?

Checkout, payment processing, merchant settlement and reporting for this acquiring product

Reporting data flow

Connect data sources → refresh → report → export & reconcile

The reporting setup determines connected data sources, report coverage, update timing, exports and reconciliation keys.

Selected product

Ecommpay direct card acquiring

Connected payment data, report coverage, refresh timing, exports and reconciliation.

  1. Checkout routes

    5 company checkout options

    Varies by product

  2. Gateway integration, security and transaction tools

    Purchase · Two step purchase

  3. Payment processing and funds handling

    Processes transactions · Settles merchant funds

  4. Reporting & reconciliation

    Report timing and settlement-file availability are not published as one universal service level.

01

Checkout routes

Which providers, accounts and data sets are connected?

The actual integration surfaces, UI ownership and deployment choices.

Checkout routes

Varies by product
  1. 01

    Ecommpay Hosted Payment Page

    Hosted checkout

    • Redirect
    • iFrame
    • Redirect: Yes
    • iFrame: Yes
    • Provider hosted card data entry
    • Payment method selection
    • Design customization
  2. 02

    Ecommpay Microframe

    Embedded card fields

    • Merchant checkout
    • Redirect: No
    • iFrame: Yes
    • Embedded card fields
    • Merchant controlled page layout
  3. 03

    Ecommpay API and SDK

    API and mobile SDK

    • Merchant server
    • Merchant mobile app
    • Payment session
    • Method selection
    • Native mobile payment UI
  4. 04

    Ecommpay Payment Links

    Hosted payment link

    • Merchant dashboard
    • Merchant domain message
    • One time invoice
    • No storefront payment request
  5. 05

    Ecommpay Virtual Payment Terminal

    Merchant operated card not present terminal

    • Merchant dashboard
    • Moto card payment
    • QR code payment request

Ecommpay offers these checkout options, but does not specify which one is included with Ecommpay direct card acquiring.

Checkout integration

Not specified

No checkout integration is specified for this product for Ecommpay direct card acquiring

02

Gateway integration, security and transaction tools

Which reports and transaction fields are available?

API entry points, testing, events, tokens and authentication.

Selected setup

Reports entry point

How requests enter this product and which integration boundary applies.

Integration options

  • Direct API
  • Hosted payment page
  • iFrame
  • Microframe
  • Mobile SDK
  • Commerce plugin
  • Payment link
  • Virtual terminal

Gateway integration, security and transaction tools

Report coverage and available data

Reports
01

Transaction and security features

  • Purchase
  • Two step purchase
  • Recurring purchase
  • Payment link invoice
  • Payout
  • Account verification
  • Refund
  • Payment method selection
  • Callbacks
  • Merchant dashboard
02

Test environment

Sandbox available

03

Webhooks

Success, Decline, Tokenize, Refund, Recurring, and Error

04

Tokenization

  • Card token
  • Saved payment instrument
05

3-D Secure

Supported

06

Merchant control panel

Yes

Connected acquirer / processor

Payment providers that can receive transactions from the gateway.

Connected acquirer and processor types

Assigned outside this product
  • Acquirer
  • Bank
  • Digital wallet
  • Open Banking
  • Payment processor
  • PSP

A connected acquirer or processor may have separate pricing, contract and underwriting requirements.

Recurring operations

Recurring operations

Subscription creation, stored credentials, retries and who controls the schedule.

Recurring-payment features
  • Credential on file
  • Subscription scheduling
  • Retry logic
  • Tokenization
  • Billing cycle control
Billing types
  • One click customer initiated
  • On demand merchant initiated
  • Scheduled merchant initiated
Subscription models
  • Fixed schedule and amount
  • Merchant defined schedule
  • Trial period
  • Variable amount
Retention and recovery
  • Retry logic
  • Authorization optimization
Recurring feature availability
  • Payment method
  • Payer country
  • Merchant approval
  • Credential consent
  • Project configuration
03

Payment processing and funds handling

Who supplies transaction data, consolidates reports and performs reconciliation?

Which legal entity provides the merchant account, performs underwriting, processes and acquires payments, settles funds and provides support.

Payment processing and funds handling

  • Processes transactions
  • Settles merchant funds
  • Handles merchant funds
  • Provides the merchant account
  • Provides direct acquiring

Available controls

Which legal entity provides the merchant account, performs underwriting, processes and acquires payments, settles funds and provides support.

  1. 01

    Supported transaction types

    Which controls are available with this product?

    Supported transaction types

    • One step purchase
    • Authorize and capture
    • Capture
    • Partial capture
    • Cancel
    • Full refund
    • Partial refund
    • Recurring payment
    • Account verification
    • Payment status
04

Reporting & reconciliation

Which exports, identifiers and reconciliation workflows are available?

What operations teams can reconcile, how quickly data arrives and where exceptions are handled.

Reporting & reconciliation

Provider data → refresh → report → export & reconciliation

Export formats, identifiers, correction handling and reconciliation workflows.

  1. 01

    Reporting & reconciliation

    What operations teams can reconcile, how quickly data arrives and where exceptions are handled.

    Financial report availability

    Reason
    Report timing and settlement-file availability are not published as one universal service level.

    Consolidated reporting

    Included with this product

    Reconciliation

    Product name
    Ecommpay Dashboard and Data API
    Automated financial reconciliation
    Yes
    Automated matching
    Yes
    Multiple payment providers
    Yes
    Multiple data sources
    Yes
    Managed services
    Payment operation status, Refund and chargeback status, Settlement reporting, and Payout status
    Fee control
    Yes
    Dedicated account manager
    No
    Status discrepancy handling
    The merchant reconciles platform callbacks, Dashboard or Data API records and bank settlement; support investigates unresolved transaction or payout status differences.
    Technical escalation
    Yes

Before integration

Integration details not specified

  1. 01

    Which hosted, embedded or direct-API checkout is contracted for Ecommpay direct card acquiring, and who owns the UI and PCI scope?

    No checkout integration is specified for this product.

Merchant funds, risk & support

Ecommpay full-stack payments: risk, licenses & support

Payment processing, merchant funds, reserves, chargebacks, contracting entity, regulated payment services and support.

Ecommpay full-stack paymentsService: Ecommpay direct card acquiring
01 / Processing, reserves & chargebacks

Who can suspend payment processing or hold merchant funds?

Payment processing, reserve or other holds on merchant funds, fraud controls and chargeback handling.

Payment processing & funds

API-based payment processing

Who bears payment losses, who may suspend payment processing, who handles chargebacks and the parties' duties after termination are not specified for this product.

Role in this product
Direct card acquirer and payment processor · Direct card acquirer · Gateway and certified processing platform · Card scheme clearing and merchant settlement · Payment service provider and gateway · Merchant gateway payment processing and reporting
Who receives and settles funds
Varies by agreement

Reserve or security deposit

Reserve amount and release terms are not specified

The reserve amount and release schedule are not specified for this product. A reserve may still be included in the final agreement.

Not specified

Fraud, authentication & chargebacks

Fraud screening, 3-D Secure and chargeback handling

3-D Secure and dispute handling are available. The company offers fraud screening; availability with this product is not specified. Responsibility for chargebacks, refunds, fraud losses and negative balances is not specified. The agreement must also state who can suspend processing or hold settlement funds.

  1. 01

    Before authorization

    Fraud screening

  2. 02

    At checkout

    3-D Secure authentication

  3. 03

    After payment

    Disputes & chargebacks

BEFORE AUTHORIZATION

Fraud screening

Which fraud rules can block or flag a transaction for review?

Availability for this product
Not specified for this product

The company offers these capabilities, but their inclusion in Ecommpay direct card acquiring is not specified.

Capabilities
Real time transaction analysisRisk rule management3-D SecureAuthorization optimizationRetry logicFraud screeningPayout monitoring
Case management
Yes
Screening · Merchant
KYBUBOSanctionsAML risk
Screening · Transaction
Fraud riskPayment patternAuthentication result
Screening · Payout
Recipient and transaction monitoring
Screening profiles
Yes
Signals
Transaction dataPayment instrument dataCustomer and device dataMerchant risk profileAuthentication result

AT CHECKOUT

3-D Secure authentication

Which 3-D Secure and verification methods are included?

3-D Secure
Yes

AFTER PAYMENT

Disputes & chargebacks

Which dispute and chargeback tools are included?

Chargeback tools
Chargeback statusRefund processingDispute operational supportChargeback risk monitoringMerchant dashboard reporting
Chargeback reporting
Yes
Chargeback report filters
TransactionRefundChargebackStatusPayment method
Reporting · Analytics
Yes
Fee policy · Economic responsibility
Chargeback liability, evidence handling, deadlines, fees and any reserve follow the card scheme, payment method and merchant agreement.
Fee policy · Public fee
No universal public chargeback fee is published.
Before signingReserve, chargeback, settlement hold and suspension terms5 items to confirmReview contract terms
02 / Legal entity, license & registration

Which legal entity provides the service, and under which license or registration?

A company can use different legal entities, licenses or registrations for different payment products.

For this product

Contracting entity and authorization

Direct card acquirer and payment processor. For Ecommpay full-stack payments, the contracting entity is Ecommpay Limited; its authorization or registration is Authorised payment institution; and its permitted payment services are Provision of payment services.

  1. 01 · Contracting entity

    Ecommpay Limited

  2. 02 · Authorization or registration

    Authorised payment institution

  3. 03 · Permitted payment services

    Provision of payment services

Company legal entities, licenses & registrations

Company registrations and payment-services licenses do not identify the contracting entity for every product.

1 entity · 1 license or registration

Ecommpay Limited

United Kingdom · Registry 08580802 · Private limited company · Incorporated Jun 23, 2013

Authorised payment institution

Financial Conduct Authority · Firm Reference Number 607597 · 1 permitted payment service · Active · Entity: Ecommpay Limited

Security & regulatory information

Certifications, safeguarding arrangements and cross-border permissions for this product.

01

Security standards

Certifications and assessments

PCI DSS Level 1

Service provider level 1

PCI DSS Level 1 applies to Ecommpay direct card acquiring · Ecommpay gateway and local payment methods · UK small-business card payments.

02

Security controls

Privacy and security controls

Privacy frameworks
UK GDPRData Protection Act 2018GDPR
Privacy contact
https://ecommpay.com/privacy-policy/
Security controls
PCI DSS level oneTokenizationEncryption3-D SecureFraud monitoringSafeguarding of payment service funds
Security
https://ecommpay.com/compliance/
03 / Support

How can merchants reach support?

Company support hours and contact channels are available. It is not specified which ones cover Ecommpay direct card acquiring and payment-processing or merchant-settlement issues. First-response and resolution targets are also not specified.

Support contacts

Company support hours and contacts

The contacts that cover this product and payment-processing or merchant-settlement issues are not specified.

Other company contacts

Support hours are not specified for these contacts.

Privacy

ecommpay.com/privacy-policy

Security

ecommpay.com/compliance

General

ecommpay.com/compliance/regulatory-notice

Developer

developers.ecommpay.com/en/en_pp_currency_choice.html
Before signingSupport contacts, hours and response times3 items to confirmReview contract terms
Ecommpay direct card acquiring / Before signing

What should the merchant agreement include?

Confirm the contracting entity, approval conditions, processing fees, merchant funding, reserves, chargebacks, liability, support and termination.

Before signing

Ecommpay direct card acquiring: terms to confirm

Confirm each material commercial, operating and legal term in the agreements that govern this product.

Commercial & funding terms

Processing fees, reserve or security deposit, merchant funding schedule and chargeback fees

Approval, liability & exit

Underwriting conditions, responsible entities, loss allocation, suspension, support and termination

Contract checklist

Terms to review by topic

Jump to the underlying product details

  1. 01Reserves & chargebacksReserve or security deposit, chargebacks, processing suspension and settlement holds.
  2. 02SupportSupport contacts, hours, response times and escalation.
Merchant agreement

Contract terms to confirm

Review processing fees, merchant funding, reserves, chargebacks, liability, support and termination.

Reserves & chargebacksReserve or security deposit, chargebacks, processing suspension and settlement holds.

  1. Can a reserve or post-termination hold apply to this product, and how is it released?

    The entity that may establish and hold a reserve, the reserve amount and the release terms are not specified.

  2. What events allow Ecommpay direct card acquiring to be suspended or terminated?

    The notice period, any right to cure a breach, and the events allowing immediate suspension are not specified.

  3. What chargeback fee applies?

    Chargeback handling is included, but the fee is not specified.

  4. Who handles open disputes, chargebacks and case submissions after termination?

    Ownership of open disputes, chargebacks and case submissions after termination is not specified.

  5. Who monitors card-network thresholds, and what happens before the merchant exceeds one?

    Card-network monitoring programs and escalation thresholds are not specified.

SupportSupport contacts, hours, response times and escalation.

  1. What first-response, update and resolution targets apply by incident severity?

    First-response and resolution targets are not specified.

  2. Which support hours and contact channels cover Ecommpay direct card acquiring, and where should a merchant report payment-processing or merchant-settlement issues?

    The support scope for Ecommpay direct card acquiring and the contacts for payment-processing or merchant-settlement issues are not specified.

  3. Which support-request topics and routing options are available in the support form?

    Support-form topics and routing options are not specified.

Product summary

What this product already includes

What this product includes, which restrictions apply and which merchant-agreement terms are not specified.

Included capabilities

Capabilities included with Ecommpay direct card acquiring.

  • The core payment platform combines Ecommpay's gateway and processing stack with direct card acquiring, contracted local payment methods, payment-page and API integrations, Currency Choice for eligible projects and payers, tokenization, fraud controls, recurring payments, refunds, chargeback operations, reporting and merchant settlement.