Ecommpay has launched a self-serve payments platform aimed at UK-registered micro enterprises, bringing the transaction routing, fraud management and hosted checkout technology it operates for enterprise clients down to businesses with under two million euros in annual revenue.
The product, branded Ecommpay for Small Businesses, is open to merchants who have been trading for at least six months and sell online. Pricing starts at 1.30% plus 20p per UK card transaction, with no monthly fee, no minimum commitment and no volume threshold required to access the platform. Visa, Mastercard, Apple Pay and Google Pay are included as standard, alongside payment links for social commerce, basic recurring billing and a brandable Hosted Payment Page that the company says carries Digital Accessibility Centre accreditation.
What merchants get
Native plugins for WooCommerce, Magento 2 and Xero remove the need for developer resource on the most common e-commerce stacks. Merchants without a technical team can configure the Hosted Payment Page entirely from a dashboard; those on custom-built sites migrating via API are told to expect one to three days of developer time rather than a full rebuild. The platform also includes a 24/7 AI assistant for pricing, integration and account setup queries, with escalation to human support.
Go-live is described as possible within hours of successful onboarding, though the company’s own notes make clear this is contingent on identity verification, anti-money laundering screening and a business assessment passing in full. Not all applications will be accepted.
Max Ryzhov, chief product officer at Ecommpay, pointed to the gap between what enterprise merchants routinely access and what small businesses can actually afford. “Enterprise-quality payment infrastructure is out of reach unless they are processing at scale, which may result in higher decline rates or elevated per-transaction costs,” he said. “And the lack of developer resources in these businesses limits their options to optimise checkout performance.”
Market context
The UK small business payments segment is occupied by a mix of incumbents and challengers. Stripe, Square, SumUp and PayPal all target the sub-enterprise merchant, while several acquiring banks and specialist payment facilitators have also moved into the space. The competitive pressure on pricing has been sustained for several years, and 1.30% plus a fixed fee sits within the range already offered by a number of those providers on standard blended-rate plans.
Where Ecommpay positions itself differently is on the depth of the underlying infrastructure: intelligent routing to maximise authorisation rates and enterprise-grade risk tooling are not universally available at this price tier. The claim is credible given the company’s fourteen-year history of enterprise acquiring, though small merchants will need to evaluate whether meaningfully higher authorisation rates materialise in practice compared with a payment facilitator model.
Ecommpay UK Ltd is authorised by the FCA under the Payment Services Regulations 2017, holds principal membership of both Mastercard and Visa, and maintains Level 1 PCI DSS certification. That regulatory standing matters commercially: small merchants taking on a direct acquiring relationship rather than a payment facilitator arrangement carry their own compliance responsibilities, and having an FCA-authorised counterparty simplifies that picture somewhat.
The launch is also notable from a financial-inclusion angle. Sole traders and early-stage online retailers have historically faced binary choices between consumer-grade tools with limited functionality and enterprise contracts requiring volume commitments they cannot meet. A product that bridges those tiers, if it performs as described, addresses a real structural gap in the UK acquiring market.
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