“Can a UK-licensed payment service provider build a global, vertically-integrated payment orchestration platform that replaces multiple PSP relationships for cross-border merchants?”
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.
Ecommpay processes payments through Ecommpay (self-operated), Visa Direct and Mastercard MoneySend.
Ecommpay connects to bank accounts through Gocardless.
Ecommpay uses Nium for FX and cross-border payouts.
Ecommpay integrates with Xero.
The Embedded Finance Index 2026 maps 6 layers in Ecommpay's stack: Payments / PSP (Ecommpay (self-operated), Visa Direct and Mastercard MoneySend); Lending (Buy Now Pay Later (BNPL) — access to third-party BNPL providers and Visa Instalments (instalment payments for UK-based merchants)); Open banking (Gocardless); Unified APIs (Nium); FX & payouts (Nium); Accounting (Xero).
Ecommpay is founded in 2012 and headquartered in London, United Kingdom.
Get a read on where your own stack stands against Ecommpay and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.