How Ecompayer Works

Ecompayer is a broker. You complete one assessment about your business, we compare that profile with the provider criteria available to us, and you review the payment routes that may fit. This page explains what happens at each step, and what a result does and does not mean.

The four steps

Tell us about your business

The assessment collects the information needed to compare your business with provider criteria. Depending on your answers, that includes your legal entity and country of registration, your merchant category code and what you sell, your billing model and delivery timing, the customer markets and settlement currencies you need, expected monthly volume and average transaction value, whether you have processed before and with whom, chargeback and refund rates, card scheme monitoring or previous termination history, licences or registrations you hold, restricted content, PCI status and your preferred integration.

Industry and merchant category code
Company country of registration
Business and billing model
Customer markets and settlement currencies
Monthly processing volume and average ticket
Processing history and previous providers
Chargeback and refund rates, monitoring history
Licences, restricted content and PCI status

Ecompayer compares the profile

Your completed profile is compared with the provider criteria available in Ecompayer's comparison data — things such as accepted industries, company jurisdictions and customer markets, volume and ticket ranges, chargeback and refund limits, supported payment methods and currencies, and required licences. We do not publish the criteria of individual providers, the way they are weighted, or how routes are ordered. We also do not claim that every provider criterion is complete or current: the comparison uses the information providers have given us.

Review possible payment routes

If the comparison finds potential routes, the result presents them as Route A, Route B and so on. Provider identities may remain anonymous during the initial comparison stage. For each route you see only what the underlying information genuinely supports: reasons the route may fit your profile, supported payment methods, settlement currencies, settlement and reserve notes where they exist, the documents that would be requested, and anything still to be confirmed. Where a route holds no information for a category, nothing is shown rather than a guess.

Continue when it makes sense

If you want to take a route further, onboarding is the next step. It collects the remaining details and documents. Nothing is shared with a provider until you complete and submit that pack, and completing it is not an application decision — every provider makes its own assessment of your business.

What does a match mean?

A payment route in your result means that, based on the information you provided and the provider criteria we can currently evaluate, the two appear potentially compatible. It is an indication of where it may be worth looking, and nothing more.

A route does not mean:

Not an approval
Not a guarantee of acceptance
Not completed underwriting
Not guaranteed pricing or fees
Not an offer from a provider
Not a commitment of any kind

Acceptance, pricing and final terms are always decided by the provider, after its own review of your business and documents.

What "Still to be confirmed" means

Some criteria cannot be checked automatically from the information available at the time of the comparison. Those points appear in your result under Still to be confirmed.

A point listed there has been neither passed nor failed. It is not a warning and it is not a quiet approval. It usually means a document, an extra detail, or a provider's own review is needed before that point can be settled either way.

Provider confidentiality

Provider identities may remain anonymous during the initial comparison stage, which is why routes are labelled Route A, Route B and so on. The information shown for each route is factual — payment methods, currencies, settlement and reserve notes, requested documents — and comes from the provider information available in our comparison data.

We do not publish our provider network, and no page on this website names the providers behind a route.

About the information we compare against

Ecompayer uses the provider information available in its comparison data. That information is supplied by providers and is not a live feed of their underwriting rules, so criteria can change before our records do, and our comparison does not represent the entire market.

Where our published guidance carries a review date, that date is shown on the page itself. You can read the background to the numbers in our payment guides or work out a specific figure with the free payment tools.

See which payment routes may fit your business

One assessment covers your industry, company country, target markets, volume, currencies and history. You review the routes before anything goes further.

Check my payment options

Nothing is shared with a provider until you submit your onboarding pack. Approval is always the provider's decision.