Ecommpay, the London-headquartered payments provider, has launched a self-serve platform that gives UK small businesses access to the same processing infrastructure it has sold to enterprise clients since 2012.
The FCA-authorised company, based at Churchill House on Old Street, has built much of its growth on serving larger merchants across Europe. Ecommpay for Small Businesses marks a deliberate move down-market, with Financial Technology News reporting that the plan with this new offering is to target UK-registered online sellers that have traded for at least six months and generate under €2m a year, including those on WooCommerce, Magento 2 and custom-built sites. Pricing starts at 1.30% plus 20p per UK transaction, with no monthly fee and no minimum commitment.
For a London payments firm that has spent over a decade competing for enterprise contracts, the small business segment represents a different kind of customer entirely: one without in-house developers, without the volumes to negotiate better rates, and often stuck on basic checkout tools as a result. Ecommpay’s answer is a no-code Hosted Payment Page that merchants can configure themselves from the dashboard and take live within hours of onboarding. Direct plugins for WooCommerce, Magento 2 and Xero let existing users switch provider without touching their checkout, product catalogue or accounts integration. Merchants with a custom build needing an embedded checkout can connect via API, a job the company says typically takes one to three days of developer time rather than a full rebuild.
The Hosted Payment Page carries Digital Accessibility Centre accreditation and supports Visa, Mastercard, Apple Pay and Google Pay, plus payment links for social commerce and B2B orders and basic recurring payments, all through a single merchant account and dashboard. A 24/7 AI assistant sits inside the merchant portal to handle questions on pricing, integration and switching, escalating to a human where needed.
Max Ryzhov, chief product officer at Ecommpay, said enterprise-grade payment infrastructure has generally been out of reach for smaller merchants unless they process at scale, leaving them with higher decline rates, steeper per-transaction costs and little means to improve checkout performance without developer support. He said the new platform brings the same risk management, routing and fraud tooling used for Ecommpay’s enterprise book to smaller merchants, without an enterprise contract or volume threshold attached.
It is a notable expansion for a company that has built its reputation, and its FCA licence, on the enterprise end of UK payments. London’s fintech scene has no shortage of challenger providers chasing small merchants on price alone. Ecommpay is betting instead that its enterprise-grade routing and fraud infrastructure, developed for larger clients over more than a decade, is the harder thing for smaller rivals to replicate. Applicants remain subject to identity verification, anti-money laundering screening and business assessment, and not every applicant will be accepted.
