Ecommpay has opened up its enterprise payment infrastructure to UK small businesses for the first time, launching a self-serve platform aimed at online merchants who have been locked out of enterprise-grade checkout tools by minimum volume requirements.
Ecommpay for Small Businesses is built on the same processing infrastructure the company has used for enterprise clients since 2012. It targets UK-registered businesses that have traded for at least six months and generate under €2m in annual revenue, covering merchants 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.
The pitch is speed and simplicity rather than negotiation. Merchants without developer resources can configure a no-code checkout, the Ecommpay Hosted Payment Page, directly from the merchant dashboard and go live within hours of onboarding. WooCommerce, Magento 2 and Xero users get direct plugins that let them switch provider without touching checkout design, product catalogue or accounting integrations. Businesses running a custom build that need 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 has been accredited for accessibility by the Digital Accessibility Centre and supports Visa, Mastercard, Apple Pay and Google Pay as standard, alongside payment links for social commerce and B2B orders and a basic recurring payments capability. All of it sits inside a single merchant account and dashboard, which Ecommpay says removes the reconciliation headache of running several payment tools side by side. A 24/7 AI assistant in the merchant portal handles queries on pricing, integration and switching, with escalation to a human where the query needs one.
Max Ryzhov, chief product officer at Ecommpay, said enterprise-quality payment infrastructure has typically been out of reach for smaller merchants unless they process at scale, leaving them exposed to higher decline rates, steeper per-transaction costs and limited means to improve checkout performance without in-house developers. He said the new platform applies the same risk management, routing and fraud infrastructure used for Ecommpay’s enterprise book at a rate built for smaller merchants, without an enterprise contract or volume threshold attached.
The launch is a bet that the gap between basic checkout tools and full enterprise contracts is wide enough to be worth serving directly, rather than leaving smaller merchants to outgrow a starter provider before they can access better routing and fraud tools. Whether the economics hold at genuinely small transaction volumes, rather than merchants who are simply below the €2m threshold but processing at a reasonable scale, is the detail worth watching as the product beds in. Applicants remain subject to the usual identity verification, anti-money laundering screening and business assessment, and not every applicant will be accepted.
