emerchantpay
emerchantpay is a UK-headquartered, FCA-regulated payment services provider offering online and in-store card acceptance, POS terminals, card issuing, and merchant acquiring across the UK, EU, and US, serving eCommerce, retail, gambling, travel, and forex merchants through API integrations and shopping cart plugins.
- Company typePrivate
- Founded2007
- HeadquartersLondon, United Kingdom
- Headcount251–500
- GTM typeB2B
- OfferingServices
What emerchantpay does
emerchantpay is a privately held payment services provider founded in 2007 and headquartered in London, with 251-500 employees and operating entities in the UK, Lithuania, and the United States. The company operates a unified payments platform spanning online card acceptance, POS terminals, merchant acquiring, card issuing, and global alternative payment methods, regulated as an electronic money institution by the UK Financial Conduct Authority (Register No. 900778), partnered with UAB Phoenix Payments under the Bank of Lithuania (licence LB000477) for EU coverage, and operating in the US as a Registered Partner/ISO of Elavon (a U.S. Bancorp subsidiary) and Westamerica Bank. Its technology stack centers on an XML POST/REST payment gateway API supported by the GenesisPHP SDK (publicly distributed via GitHub), a GraphQL-based Billing Transactions API, and a merchant-facing Gateway Console for reconciliation and operations. Risk and fraud management is delivered through integrations with Visa Verifi/VROL Rapid Dispute Resolution and Mastercard SAFE/TC40 reporting, supplemented by an in-house Blacklist API and Account Name Inquiry API.
The company generates revenue primarily through per-transaction fees, supporting both Interchange++ and Blended pricing models, with commission varying by transaction type (sale, authorization, refund, chargeback, settlement, void) and card type. Go-to-market combines enterprise direct sales for large merchants, API-first developer adoption for technical buyers, and channel-led SMB distribution via native plugins on Shopify, WooCommerce, PrestaShop, and Adobe Commerce marketplaces, plus ISO/reseller partnerships in the US. Its target verticals are eCommerce (primary), retail, small business, gambling, travel, and forex, with deliberate emphasis on higher-friction segments such as gambling (MCC 7995) and travel that require specialized processing capabilities.
emerchantpay firmographics
Firmographics- Name
- emerchantpay
- Legal name
- emerchantpay Ltd
- Website
- https://emerchantpay.com
- Company type
- Private
- Founded year
- 2007
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- emerchantpay is a UK-headquartered, FCA-regulated payment services provider offering online and in-store card acceptance, POS terminals, card issuing, and merchant acquiring across the UK, EU, and US, serving eCommerce, retail, gambling, travel, and forex merchants through API integrations and shopping cart plugins.
- Ownership category
- akta.pro rank
emerchantpay industry classification
Industry- Product category
- Payment Processing Services
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Credit Card Issuing (522210)
- SIC
- Finance Services (6199)
- akta.pro industry
- Smart Routing, Cascading & Payment OptimizationEMV Chip, Magstripe & PIN Debit AcceptanceCard-Present Acquirers (Retail & POS Focus)POS-to-Online Unified Payments (Omnichannel Payments)Recurring Billing, Subscriptions & Tokenized Payments
Keywords
Where emerchantpay is headquartered
LocationHeadquarters
- HQ city
- London
- HQ country
- United Kingdom
- HQ region
- Europe
Offices3 records
Markets served
emerchantpay business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Technology or R&D, Personnel, Operations, Infrastructure, Marketing or Sales, Supply Chain
Revenue model
- Payment Processing Fees: emerchantpay generates revenue primarily through transaction fees charged per payment processed. Fees include authorization fees, decline fees, refund fees, chargeback fees, settlement fees, and void fees. Commission is applied based on transaction type, with both Interchange++ and Blended pricing models supported. The billing statements detail gross volume, debit/credit transactions, fees, taxes, reserves, and net settlement amounts.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Transaction-based pricing with fees per payment type and settlement charges |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels6 records
emerchantpay product offering
Product offeringCore offering
emerchantpay provides a unified online and in-store payment platform that enables merchants to accept card payments, alternative payment methods, and local payment methods globally. The company offers payment gateway services (server-to-server API, hosted Web Payment Form, Virtual Terminal), physical POS terminals, card issuing, merchant acquiring, and fraud and risk management tools, with regulatory authorizations in the UK, EU, and US.
Product overview
emerchantpay is a payment services provider offering a unified platform that combines a payment gateway (online and POS), card issuing, and merchant acquiring. The core offering consists of Online Payments and POS Terminals as the primary transaction-processing products, supplemented by Card Issuing, Global Payment Methods, Acquiring, Platforms and Partnerships, Reporting, and Risk and Fraud Management services. The platform is modular: merchants can use the gateway via server-to-server API integration, a hosted Web Payment Form (WPF), a no-code Virtual Terminal, or pre-built shopping cart plugins for Adobe Commerce, Shopify, WooCommerce, and PrestaShop. A separate Billing Transactions API (GraphQL) and Payment Authorisations API (XML) serve reporting and reconciliation needs. Risk and Fraud Management features are delivered through the Blacklist API, SAFE/TC40 Fraud Reports API, Rapid Dispute Resolution API, and Account Name Inquiry API. The Gateway Console provides a merchant-facing dashboard for managing transactions, billing statements, and reports including EPA (Electronic Payment Advice) reports.
Differentiator
Problem solved
Functional benefit
Products and services
- Online Payments A payment gateway solution enabling merchants to accept card and alternative payment methods online via server-to-server integration, Web Payment Form (WPF), or no-code virtual terminal. Supports authorize, capture, sale, void, refund, recurring payments, 3D Secure, tokenisation, smart routing, and Strong Customer Authentication (SCA).
- POS Terminals Point-of-sale terminal solutions for card-present (in-store) transactions. Supports authorisation, capture, refund, and chargeback handling for physical retail environments, with EPA report reconciliation.
- Card Issuing Card issuance solution allowing merchants to issue physical or virtual cards to their customers, enabling closed-loop payment experiences.
- Acquiring Merchant acquiring services that enable businesses to accept card payments directly, providing settlement, billing statements, and fund transfers to merchant accounts.
- Global Payment Methods A curated selection of local and alternative payment methods across regions, including digital wallets (Apple Pay, Google Pay, PayPal), open banking, bank transfers, and cash vouchers, accessible as a module within the payment gateway.
- Platforms and Partnerships White-label, API, and platform partnership programmes enabling ISOs, ISVs, and acquirers to embed or resell emerchantpay's payment infrastructure.
- Reporting Comprehensive reporting suite covering billing statements, billing transactions, processed transactions, payment authorisations, chargebacks, fraud reports, Rapid Dispute Resolution, blacklist checks, account name inquiry, consumer management, and EPA (Electronic Payment Advice) reports available in CSV, XLS, and XML formats.
- Risk and Fraud Management Fraud prevention tools including the Blacklist API for card-level blocking at global, merchant, and terminal levels; SAFE/TC40 fraud report retrieval for Visa and Mastercard fraud events; and Visa Rapid Dispute Resolution integration to proactively resolve disputes before they become chargebacks.
Quantifiable outcome
- Reduce chargeback risk through Rapid Dispute Resolution with auto-acceptance liability rules
- +1 more outcomes
Companies that use emerchantpay
Customer profileSegments6 records
Ideal customer profiles6 records
emerchantpay technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration24 records
Feature11 records
emerchantpay partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered core and minor.
- Shopifycoreemerchantpay offers a native app integration for Shopify merchants available through the Shopify App Store. The plugin supports sale, authorization, and recurring payment transactions. Shopify merchants can access emerchantpay payments through the partner app with test mode and production environment support.
- WooCommerce (WordPress)coreemerchantpay provides a WordPress plugin for WooCommerce available through the WordPress plugin directory. Supports cards, alternative payment methods, online banking, wallets, vouchers, and cash payments. Requires WordPress v4.x and WooCommerce v3.x or higher.
- PrestaShopcoreemerchantpay offers a gateway module for PrestaShop available through the PrestaShop Addons Marketplace. Supports PrestaShop 1.6.x to 8.1.x with enhanced Web Payment Form integration through iFrame.
- Adobe Commerce (Magento 2)coreemerchantpay provides a gateway module for Adobe Commerce (Magento 2) available through the Adobe Commerce Marketplace. Supports Magento CE, EE, and ECE editions with composer-based installation.
- Elavoncoreemerchantpay Corp. is a Registered Partner/ISO of Elavon, Inc. Georgia, a wholly owned subsidiary of U.S. Bancorp (Minneapolis, MN). This partnership enables emerchantpay to provide payment processing services in the US market.
- Westamerica Bankminoremerchantpay Corp. is a Registered Partner/ISO of Westamerica Bank, Santa Rosa, CA, providing an additional ISO partnership for US market coverage.
- UAB Phoenix Paymentscoreemerchantpay collaborates with UAB Phoenix Payments, a duly authorised electronic money institution subject to the prudential supervision of the Bank of Lithuania (licence number LB000477), enabling EU market services.
- GenesisGatewaycoreGenesisPHP is the official SDK library required to connect to the emerchantpay payment gateway. Available via GitHub (GenesisGateway/genesis_php) and Packagist. Used by all shopping cart plugins for payment integration.
- Visa (Verifi/RDR)coreemerchantpay integrates with Visa's Verifi platform for Rapid Dispute Resolution (RDR), enabling merchants to auto-accept liability for pre-disputes and automatically refund cardholders to prevent chargebacks.
- Mastercard (SAFE)coreemerchantpay integrates with Mastercard's SAFE (Fraud Reporting Service) to retrieve fraud reports for transactions flagged as fraudulent by issuers, helping merchants identify and mitigate fraudulent activity.
Scale indicators3 records
Recent moves6 records
Expansion highlights5 records
emerchantpay competitors and assessment
Company assessmentBroad incumbents
- PayU: Global PSP with strong emerging-market APM coverage (especially LATAM, APAC, Africa). Comparable on APM breadth and emerging-market gateway services for merchants.
- Nexi: European payments incumbent offering acquiring, gateway, and POS across multiple European markets. Comparable on regulated European payments, though larger and more geographically concentrated.
- Global Payments: Large global payments and software provider with merchant acquiring, gateway, and POS offerings. Overlaps with emerchantpay on gateway + acquiring + omnichannel, with broader portfolio.
- Worldpay: Large established global acquirer and gateway operator with enterprise-grade processing. Overlaps with emerchantpay on omnichannel gateway and acquiring, but at materially greater scale.
Direct peers
- Trust Payments: UK-headquartered PSP offering gateway, acquiring, and card issuing with FCA and Lithuanian licensing. Direct comparable in geography, regulatory footprint, and product mix.
- Stripe: Global payment platform offering online payment gateway, in-person payments, card issuing, and fraud products. Closely comparable to emerchantpay's gateway + POS + card issuing stack, with much larger scale and developer footprint.
- Adyen: Unified global payments platform combining gateway, acquiring, POS, and issuing. Competes head-to-head with emerchantpay for enterprise merchants needing omnichannel, multi-currency processing with direct card-network connections.
- Mollie: European payment gateway supporting 25+ payment methods with plugins for major e-commerce platforms. Closely comparable on multi-APM European gateway focus and SMB plugin-led GTM.
- Checkout.com: Global payment gateway and processor with strong APM coverage and smart routing. Directly comparable on gateway, multi-acquirer optimisation, and emerging-market payment methods.
- SumUp: Offers POS terminals and online payment acceptance targeting SMBs across Europe and beyond. Comparable on combined POS + online payment stack with emphasis on small merchants.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
emerchantpay social profiles
Digital presenceemerchantpay compliance and trust
Trust signalCompliance3 records
emerchantpay financial estimates
Financial estimateRevenue estimate
Valuation estimate
emerchantpay leadership team
Management profileNumber of profiles
Profiles1 record
emerchantpay funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
emerchantpay M&A and investment
M&A and investmentM&A
Investments1 record
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about emerchantpay
What does emerchantpay do?
emerchantpay provides a unified online and in-store payment platform that enables merchants to accept card payments, alternative payment methods, and local payment methods globally. The company offers payment gateway services (server-to-server API, hosted Web Payment Form, Virtual Terminal), physical POS terminals, card issuing, merchant acquiring, and fraud and risk management tools, with regulatory authorizations in the UK, EU, and US.
Is emerchantpay a public or private company?
emerchantpay is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was emerchantpay founded?
emerchantpay was founded in 2007. It employs 251 to 500 people.
Where is emerchantpay based?
emerchantpay is headquartered in London, United Kingdom, in the Europe region.
How does emerchantpay make money?
One revenue line is on record: payment Processing Fees.
Who are emerchantpay's main competitors?
Broad incumbents on record are PayU, Nexi, Global Payments and Worldpay. Direct peers are Trust Payments, Stripe, Adyen, Mollie, Checkout.com and SumUp.
Does emerchantpay have an API?
Yes. emerchantpay offers a public payment gateway API accessible via XML POST requests (REST architecture). The API supports: online card payments (authorize, capture, sale, void, refund, recurring), 3D Secure, tokenisation, smart routing, card-on-file, and SCA compliance; point-of-sale transactions (authorize, capture, refund, chargebacks); payouts (bank payouts in Brazil and Europe); payment methods (wallets including Apple Pay and Google Pay with token decryption, PayPal, local methods including Bancontact, BLIK, Boleto, Efecty, Interac, MyBank, Neosurf, OXXO, Open Banking, P24, Pago Facil, Paysafecard, PayU, PIX, Redpagos, SEPA Direct Debit); reporting (billing transactions via GraphQL, processed transactions, payment authorisations, chargebacks, fraud reports via SAFE/TC40 API, Rapid Dispute Resolution via Visa Verifi/VROL, blacklist API, account name inquiry, consumer management, EPA reports); and shopping cart plugins (WooCommerce, Shopify, PrestaShop, Adobe Commerce/Magento 2). Authentication uses username/password or bearer tokens. A separate GraphQL-based Billing Transactions API requires a token issued by [email protected]. A staging/test environment is available. Developer documentation is at docs.emerchantpay.com.
What industry is emerchantpay in?
emerchantpay's product category is Payment Processing Services. Its primary akta.pro industry code is FSAMACAJ, Smart Routing, Cascading & Payment Optimization, with a secondary code of FSAMADAG, EMV Chip, Magstripe & PIN Debit Acceptance. Its NAICS code is 522320 and its SIC code is 6199.