← Embedded Finance Index 2026

Ecommpay

“Can a UK-licensed payment service provider build a global, vertically-integrated payment orchestration platform that replaces multiple PSP relationships for cross-border merchants?”

Founded2012
HQLondon, United Kingdom
IndustryInfrastructure / Payments
The story

Founded in 2012 as a payment service provider with offices in London and Riga, Ecommpay grew into an international acquiring and payment orchestration platform. The company secured FCA licensing in 2014 and achieved Visa and Mastercard Principal Member status by 2015, enabling direct acquiring in Europe from 2016. Over time the platform expanded from card acquiring into a full payment orchestration stack — covering open banking, BNPL, global payouts across 70 countries, and FX conversion — embedding its infrastructure into verticals including private aviation, travel, and e-commerce.

Last 12 months
—
Product timeline
2012
Ecommpay founded with 10 team members; London and Riga offices opened.· pivot
2013
Cyprus office opened.· pivot
2014
Gained FCA licence; Alternative Payment Systems office opened; team reached 100.· banking
2015
Achieved Visa and Mastercard Principal Member status; Singapore office opened.· card
2016
Launched direct acquiring in Europe; first acquirer in Europe to implement Mastercard Dashboard.· payments
2022
Selected Nium as global payout partner to extend payout offering to new verticals and global markets.· pivot
Regulated entities
1
regulatory licence held by Ecommpay
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
6 layers disclosed in Ecommpay’s embedded-finance stack
Payments / PSP
Ecommpay (self-operated)Visa DirectMastercard MoneySend
Lending
in the full report
Open banking
in the full report
Unified APIs
in the full report
FX & payouts
in the full report
Accounting
in the full report
Accounting gap: minor
6 more providers across 5 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.