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FAQ

F.A.Q.

Have questions about something else? Email us at info@ecommpay.com

General

  • What is ECOMMPAY?

    ECOMMPAY is an international payment service provider. It allows online merchants to accept payments and provide payouts throughout the world using payment cards and alternative payment systems. Moreover, ECOMMPAY GROUP provides a closed ecosystem for processing company payments, starting from payments to company workers and up to better ways of handling currency risks. Read more about the company.

  • How do I become an ECOMMPAY client?

    You can join ECOMMPAY payment services and solutions in the following ways:

    You can fill in the online application form on our website.
    You can contact our support team by e-mail: info@ecommpay.com

  • What additional services can ECOMMPAY offer?

    ECOMMPAY GROUP, along with other partners, offers a wide range of financial and legal services, such as neobanking, auditing, company registration, currency exchange, help with licencing and obtaining certificates etc. To learn more, get in touch with us and we will happily discuss the full list of our services, adapting them to your needs.

  • What does ECOMMPAY offer its clients?

    ECOMMPAY offers more than just processing online payments. We help our clients reach their business goals by offering them exceptional service and modern financial and technical solutions. Our private client managers are experts in their field of e-commerce. Together with anti-fraud analysts and round-the-clock technical support experts they carry out a detailed business analysis, offering the best courses of action. Apply now.

  • What makes ECOMMPAY unique?

    Our main difference is that ECOMMPAY offers more than just processing online payments. This includes an individual approach to creating the entire payment strategy, analysing and developing the client's market, looking at possible areas of growth and their risks.

  • When do I get my payout?

    ECOMMPAY clients can choose any suitable time limit and define their own payout method, starting from daily to monthly payouts. The choice depends on your business requirements and sales turnover.

    Payout method is an integral part of the contract which can be discussed and tuned while the service is being set up.

Onboarding

  • How can I open a merchant account and get access to the payment gateway?

    With ECOMMPAY you can open a merchant account directly or in European acquiring banks and accept payments through any of the major international and domestic credit / debit card systems: Visa, Mastercard.

    Both a direct merchant account and a sponsored merchant account are available within our payment gateway, the choice depends on the type of business you run.

  • Can ECOMMPAY's payment gateway be used in parallel with documentation checks?

    Yes, it is possible. For additional details and our terms and conditions regarding type of integration, please contact our client services representatives.

  • Is it possible to test the integration before signing an agreement?

    After agreeing on the commercial aspects of cooperation with ECOMMPAY, the merchant can set up a test environment in the ECOMMPAY system. This allows them to set up the integration on time and prepare for a more seamless switch to live traffic.

  • How long will it take to get connected to ECOMMPAY services?

    In most cases, your ECOMMPAY account service will be up and running 1 – 3 weeks after we have received your signed application and supporting documentation. This is subject to satisfactory completion of our risk assessment procedures. This period can be extended if we need more supporting documentation.

    The ECOMMPAY professional team will help you at all stages, starting with filling in the application form to any questions about managing your new account. We will be glad to answer any of your questions about the ECOMMPAY payment platform.

  • Can I join ECOMMPAY payment processing if I don’t belong to EU jurisdiction?

    ECOMMPAY is entitled to solicit merchant applications for merchant outlet locations only within the European Economic Area. Please contact us for additional information.

  • How can I add Internet acquiring to my website?

    Get in touch with us using this form: https://ecommpay.com/apply-now/. We will guide you through the sign up process.

  • In which currencies can merchants receive settlements to their bank accounts?

    ECOMMPAY can process payments in any currency; settlements with merchants are done in RUB, EUR, USD, GBP. If necessary, we can agree on another currency individually. Please contact us for more information.

Transactions

  • How can merchants track all transactions in real-time?

    Using our client interface Merchant Dashboard, you can monitor all the processed operations in real time. The technical capabilities of the service allow you to add and manage users (employees of the merchant company), assigning them different levels of access to information.

  • How does ECOMMPAY check fraudulent transactions?

    ECOMMPAY has a proprietary RCS (risk control system) which allows us to stop fraud at an early stage. It works both with payment cards and alternative payment sustems. Moreover, the monitoring team checks the merchant traffic and flags suspicious transactions to minimise risks. Find out more here.

  • How fast is the transaction processed?

    On average, card transactions are processed within several seconds to several minutes; after that, we return the final status of transaction the merchant can use for further actions.

  • Can I monitor current statistics and transaction history of my account?

    Yes, you can. Apart from full weekly report on your account transaction statistics, you will also get access to your private customer area to monitor real-time detailed statistics. All types of transaction reporting on your account statistics are available online 24/7.

  • What is Transaction receipt and what is it's purpose?

    The Transaction Receipt must be issued by the merchant at the time the transaction takes place and must be available either in the user’s account or sent to the user’s email. This document provides confirmation of a customer’s transaction on the merchant’s website, featuring details of the card used, the amount charged, date and time of the transaction, as well as the merchant’s descriptor, logo, contact information, etc.

  • What is online payment processing?

    Online payment processing is an eCommerce technology that helps to establish and manage transaction routing between the merchant and customer accounts, enabling consumers to use their bank card or bank account to pay for goods and services.

  • What types of transactions does ECOMMPAY support?

    SMS (single message system) is the most popular type of transaction; money is transferred from user's card/account as soon as the processing system receives the request. DMS (dual message system) is also available. When first receiving the purchase request, the money on user's card/account is placed on hold. It is finally transferred only after receiving a second confirmation request from the merchant.

  • What transaction security guarantees are used within ECOMMPAY system?

    ECOMMPAY transactions and the system itself are protected with security protocols such as TSL certification, DDOS protection and hashcode data structuring.

    The ECOMMPAY payment gateway is certified and works in full compliance with PCI DSS 1.0 standards and restrictions. Our payment gateway is protected by a state of the art anti-fraud system. Our professional cybersecurity analysts constantly monitor the system and keep improving its cybercrime defences. The ECOMMPAY team also undertakes a number of other system protection measures to keep the maximum level of security for our clients’ accounts and transactions.

Technical

  • Is ECOMMPAY processing platform white label or in-house development?

    ECOMMPAY processing platform has been fully developed in-house. It is based on the expertise of experienced industry experts and aims to optimise payment processing in real time. It also ensures a seamless product and service delivery.

  • Is it possible to customise the payment page?

    Merchants can customise the payment page so that it compliments the design of their website. If the merchant wishes to add logos and additional input fields, then this can be done on request. You can find more information about ECOMMPAY payment page here.

  • What is an MID and what is it used for? What is an ID for alternative payment systems?

    Merchant Identification Number or MID is a unique sequence of code characters assigned to merchant by processor or payment method provider at the request of acquirer or payment method provider. It is used to identify the merchant in the international payment system or the system of the provider of the alternative payment method.

  • What is Customisation?

    Customisation of the payment process is the configuration of payment scenarios, including modifications of ECOMMPAY's payment gateway, in accordance with the merchant's individual requirements. Learn more.

  • Is it possible to integrate ECOMMPAY using a different payment platform?

    ECOMMPAY cooperates with a number of payment platforms offering technical solutions to merchants. It is also possible to connect other payment systems on a case-to-case basis.

  • What is the difference between the testing stage (sandbox environment) and the live environment?

    The testing stage or sandbox environment of ECOMMPAY’s processing system enables merchants to conduct operations without financial compensation as part of the technical integratio. The live version enables merchants to receive financial compensation from customer payment cards.

  • What is tokenisation?

    A token is a unique, random sequence of characters associated with a particular payment card. Using a token, the merchant can send payment requests without transferring sensitive card information as tokens are unintelligible without the key to decipher them. Tokens can be stored without meeting the required safety standards for payment card data. The process of processing and using tokens is called tokenisation. Read more.

Legal

  • What is the ECOMMPAY privacy policy?

    The privacy policy explains how ECOMMPAY collects and processes personal data. You may review our privacy policy here.

  • Is ECOMMPAY regulated? By whom and in which jurisdictions?

    Headquartered in London, ECOMMPAY is regulated by the United Kingdom’s Financial Conduct Authority (FCA). The FCA is respected worldwide as a reputable, transparent non-governmental financial regulatory body. Attesting to a company’s reliability, an FCA licence demonstrates commitment to ensuring security and transparency for not only clients and partners, but also other stakeholders.

    ECOMMPAY successfully applied to become an Authorised Payment Institution (API) in 2014. Following a review of the payment service provider’s internal procedures, the FCA granted the API licence, which permits ECOMMPAY to process an unlimited quantity of client transactions across Europe and in a number of Commonwealth countries.
    Being accredited by the FCA is synonymous with high standards, efficient operations, stability of service, and legal compliance.

  • Is it possible to process payments with ECOMMPAY if the merchant's jurisdiction is outside of the EU?

    ECOMMPAY has a network of regional offices throughout the world aimed at different regions. We also have a wide network of partners, which allows us to sign agreements with a large number of jurisdictions.

  • What types of merchant business ECOMMPAY does not support?

    ECOMMPAY does not work with merchants from the following industries: adult entertainment, tobacco, alcoholic beverages, pharmaceuticals, weapons, ICO.

  • What is Anti-Money Laundering (AML)?

    AML is a set of procedures, laws, and regulations aimed at preventing criminals from disguising illegally obtained money as legitimate income. It also aims to prevent terrorism financing.

  • What is PSD2? How does ir apply to ECOMMPAY and merchants?

    PSD2 is the payment service directive number 2015/2366 / EU (Payment Services Directive 2) adopted by the European Parliament and Council, which terminates the first payment service directive and provides a new legal basis for the provision of payment services within the European Economic Area. The main objectives of the new Directive are to:

    • promote further integration and optimisation of the -European payment services market;
    • ensure equal conditions for money transfer operations, including for new market participants;
    • increase the security of the payment infrastructure; ensure consumer protection;
    • and assist in reducing tariffs and fees for the provision of payment services. ECOMMPAY is fully compliant with PSD2.
  • What are the merchant jurisdiction limitations for ECOMMPAY?

    ECOMMPAY LTD can only work as an acquirer with companies registered in Europe. If you are working in another country, we will help you find the best solution for your region.

Glossary

  • What is “online payment processing”?

    Online payment processing is an e-commerce technology that helps to establish and manage transaction routing between the merchant’s and customer’s accounts. With the help of this technology a customer can use their bank card or bank account to pay for goods and services. The two key benefits of online payment processing are simplicity and efficiency.

    ECOMMPAY offers you an easy-to-use, secure, and efficient merchant account regardless of your business type.

  • What is a “payment gateway”?

    A payment gateway is a transaction service that authorises credit and debit card payments for businesses, online retailers and service providers, etc. It establishes the connection between your website or payment terminal and an acquirer to complete the transaction. Payment gateways are necessary for making any kind of payment transactions.

    Payment gateways protect card details by encrypting sensitive payment information, such as the card number, to ensure that information passed between the customer, merchant, and acquirer remains secure.

  • What is a “holdback”?

    A holdback is an agreed amount of the client’s funds held for a specified period of time which the acquirer reserves and makes temporarily unavailable for the client. In the case of chargebacks, the acquirer uses that holdback as a guarantee to cover any expenses and pay off all the necessary fees and compensations. You can be sure that the holdback is well-protected and will be released after a certain period of time agreed with the client.

  • What is an MCC (Merchant Category Code)?

    A Merchant Category Code is a four-digit identification number assigned to merchant by acquirer in accordance to the classification and requirements of IPS. It describes the merchant's main type of activity.

  • What is PCI DSS and how does it apply to merchant?

    PCI DSS stands for Payment Card Industry Data Security Standard. The Payment Card Industry, established by Visa, Mastercard, American Express, JCB, and Discover, developed a data security standard consisting of 12 detailed demands to ensure payment card holders remain protected when their data is transferred, stored, and processed in the informational infrastructure of organisations. Compliance to these measures demonstrates commitment to ensuring informational security.

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