What E-Complish does

E-Complish, LLC is a privately held New York-based payment processing and merchant services provider founded in 1998 by Stephen Price. The company operates a full-suite platform spanning payment acceptance (credit/debit cards, ACH, e-wallets, e-cash), payment channels (web portal, IVR, SMS, mobile, recurring), and developer integration (DevConnect Payment API). Its flagship products are HostPay (web-based customer payment portal), VirtualPay (agent virtual terminal), CallSentry (PCI-compliant IVR assistant), RecurPay (recurring billing), Text2Pay (SMS payments), and the newly launched IntellAgent™ — a conversational AI companion for 24/7 voice- and text-based account management and payment execution.

The platform is built on PCI DSS Level 1 compliant infrastructure (highest tier), with additional SOC 2, HIPAA, NACHA, Visa Certified, MasterCard Level 1, and Discover certifications enabling operation in regulated verticals. Distribution combines enterprise field sales, inside sales for mid-market merchants, channel partners (Payment Savvy, High Touch, Lyons), integration partners (Authorize.net, Cybersource, Plaid, Paysafe), and a core strategic partnership with Wells Fargo for government accounts and split-fee processing. Revenue is generated through transaction-based fees, flat-fee and percentage-based merchant account structures, and usage-based pricing for IntellAgent — all on customized enterprise contracts.

E-Complish targets mid-market and enterprise clients in verticals with high-volume recurring billing and complex compliance needs: utilities, healthcare, government and municipalities, financial services (including auto finance), credit and collections, insurance, education, hospitality, retail, marketplaces, and ISVs. Named enterprise customers include SMECO (since 1999), U.S. Auto Credit (since 2009), a major 1,500-branch auto finance company, Dominion National, Amscot Financial, and OnePoint Technologies. The company reports over $2 trillion in cumulative processed volume, 98% customer retention year-over-year, and an 11-50 employee headcount.

Name

E-Complish

Legal name

E-Complish, LLC

Website

https://e-complish.com

Company type

Private

Founded year

1998

Operating status

Operating

Headcount range

11–50 employees

Short description

E-Complish is a privately held, PCI DSS Level 1 compliant payment processor and merchant services platform serving mid-market and enterprise clients across utilities, healthcare, government, financial services, and automotive verticals via HostPay, VirtualPay, CallSentry, and the IntellAgent™ conversational AI companion.

Ownership category

akta.pro rank

Product category

Payment Processing Software

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Activities Related to Credit Intermediation (5223), Sales Financing (52222)

SIC

Services-Prepackaged Software (7372), Services-Computer Processing & Data Preparation (7374), Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA)

akta.pro secondary industries

Recurring Billing, Subscriptions & Tokenized Payments (CRAFALAH), Payment Processing for Collections (Lockbox, ACH, Card, IVR) (FSAKAJAJ), Biller Direct EBPP Platforms (FSAMAJAA), Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE)

Keywords

• Payment processing services
• Merchant services platform
• PCI compliant payments
• Conversational AI payments
• Recurring billing solutions

Headquarters

HQ city

New York

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Infrastructure, Marketing or Sales, Operations

Revenue model

1. Payment Processing Transaction Fees: Transaction-based fees for processing credit/debit cards, ACH payments, and other electronic payment methods. Customized pricing models based on transaction volume.
2. Merchant Account Services: Flat-fee and percentage-based merchant account structures for businesses accepting electronic payments. Pricing tailored based on service selection and integration requirements.
3. Platform Access and Tools: Access to HostPay portal, VirtualPay terminal, CallSentry IVR, and IntellAgent AI Companion as part of comprehensive merchant services suite.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels9 records

Core offering

E-Complish provides a full suite of PCI-compliant merchant services for mid-market and enterprise organizations, including a web-based customer payment portal (HostPay), a cloud-based agent virtual terminal (VirtualPay), an automated IVR payment assistant (CallSentry), recurring billing (RecurPay), SMS bill payment (Text2Pay), mobile payments, electronic bill presentment, and the IntellAgent™ AI companion for 24/7 conversational account management and secure payment execution. The DevConnect Payment API allows developers to embed E-Complish payment capabilities directly into client software systems across healthcare, utilities, government, financial services, automotive, and other verticals.

Product overview

E-Complish is a full-suite merchant services platform offering a comprehensive portfolio of payment processing solutions. The core platform centers on HostPay (web-based payment portal), VirtualPay (agent virtual terminal), and IntellAgent™ (AI-powered conversational assistant). Supporting modules include RecurPay (recurring billing), Text2Pay (SMS payments), MobilePay, CallSentry (IVR), and Electronic Bill Presentment. The DevConnect Payment API enables developer integration into existing systems. The architecture combines omnichannel payment acceptance (credit/debit cards, ACH, e-wallets, SMS, email) with enterprise-grade security (PCI Level 1, HIPAA) and AI-driven customer service automation.

Differentiator

Problem solved

Functional benefit

Brands

• IntellAgent™: AI-powered conversational assistant for 24/7 customer account management and payment processing through voice and text channels
• HostPay
• VirtualPay
• CallSentry
• RecurPay
• Text2Pay
• DevConnect

Products and services

• IntellAgent™ A 24/7 AI-driven conversational assistant that replaces traditional IVR to manage billing inquiries, account access, and secure payment execution via voice and chat. Combines conversational AI, real-time account access, and PCI-compliant payment execution into one uninterrupted interaction. Targets enterprise and mid-market merchants needing autonomous customer account management.
• HostPay Customer Payment Portal A customizable, web-based payment portal for customer self-service payments. Allows customers to make payments, manage accounts, and choose preferred payment methods including credit cards, debit cards, and digital wallets. Used by enterprise and mid-market merchants.
• VirtualPay Agent Virtual Terminal A secure cloud-based terminal for staff to process phone or mail-in payments. Enables live representatives to handle customer transactions with full account context for complex cases.
• RecurPay Recurring Payments A PCI-compliant recurring payment solution for processing weekly, monthly, and annual scheduled payments. Enables automatic credit/debit card charges and ACH debits at pre-defined intervals.
• Text2Pay SMS Payments An automated SMS payment system allowing customers to pay bills via text message. Customers receive billing reminders, open a chat interaction, review balances, and authorize payments instantly via SMS.
• DevConnect Payment API A comprehensive payment API allowing developers to integrate E-Complish features into existing software systems. Supports real-time customer account access and instant payment result updates.
• MobilePay Mobile-optimized payment processing for on-the-go transactions. Allows customers to pay via mobile devices with tap-to-pay simplicity using Apple Pay, Google Pay, and PayPal.
• CallSentry Automated Payment Assistant A PCI-compliant call center tool that protects call centers and customers by securely masking the entry of sensitive customer data during live calls with representatives.
• Electronic Bill Presentment and Payment (EBPP) An integrated platform for electronic bill presentment and payment that replaces paper invoicing. Enables electronic statement delivery and SMS-based payment prompts.
• DirectCheck (Check by Phone) A paper demand draft system enabling businesses to accept check payments by phone. Software prints bank-approved direct checks instantly in-office, eliminating transaction fees and mailing delays.
• PayFac (Payment Facilitation) Payment facilitation services enabling businesses to accept and process payments on behalf of sub-merchants.
• Instant Debit Card Funding Real-time debit card funding service enabling immediate access to deposited funds.
• Chargeback Management Expert chargeback resolution service that resolves payment disputes using securely stored authorization records, achieving high win rates for merchants.

Quantifiable outcome

• 98% customer retention year over year
• +7 more outcomes

Named customers9 records

Segments11 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

AI capability9 records

Feature7 records

Partnerships

Four partnerships are on record, tiered core and minor.

• Wells FargocoreStrategic or Co-development PartnerStrategic partnership focused on government accounts and split-fee processing. Gives mid-sized and enterprise clients access to payment infrastructure built to Wells Fargo's rigorous security standards.
• Payment SavvyminorChannel Partner/ Reseller/ DistributorChannel partner reselling E-Complish payment processing solutions to merchants.
• High TouchminorChannel Partner/ Reseller/ DistributorChannel partner reselling E-Complish payment processing solutions.
• LyonsminorChannel Partner/ Reseller/ DistributorChannel partner for payment processing distribution.

Scale indicators11 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Bottomline Technologies: Bottomline provides biller payment solutions for billers, banks, and corporates including EBPP and IVR-style payment channels – a direct competitor in the regulated biller payments market E-Complish targets.
• Paymentus Holdings: Paymentus is a direct competitor operating an EBPP and biller-direct platform serving utilities, government, healthcare, and financial services – almost identical vertical mix to E-Complish, including recurring billing and IVR/pay-by-phone capabilities.
• ACI Worldwide: ACI Worldwide's Speedpay and UP Bill Payment solutions offer biller-direct EBPP, pay-by-phone, and electronic presentment to utilities and government clients – overlapping directly with E-Complish's HostPay/CallSentry/EBPP modules at enterprise scale.

Broad incumbents

• Fiserv: Fiserv is one of the largest merchant acquiring and bill payment incumbents (Clover, BillMatrix, Chase Paymentech), serving the same utilities, healthcare, and SMB merchants as E-Complish but at vastly greater scale.
• Global Payments: Global Payments is a top-tier merchant acquirer and integrated payment technology provider, offering merchant services, gateway, and vertical solutions that overlap significantly with E-Complish's full-suite positioning.
• NCR Voyix (NCR Corporation): NCR Voyix provides payment processing software for hospitality, retail, and financial self-service – comparable to E-Complish's omnichannel merchant services portfolio for verticals including hospitality, retail, and billers.
• Stripe: Stripe is the leading modern API-first payment platform; E-Complish's DevConnect Payment API and HostPay hosted checkout compete head-on with Stripe's core developer-facing gateway and Payments suite.
• Block (Square): Block/Square provides omnichannel merchant services (in-person, online, ACH) through Square and Cash App, overlapping with E-Complish's VirtualPay, MobilePay, and omnichannel acceptance capabilities.
• PayPal: PayPal offers merchant processing, digital wallet, IVR-style checkout, and developer APIs – a broad incumbent spanning checkout, wallets, and SMB merchant services that competes with multiple E-Complish modules.

Emerging players

• Dwolla: Dwolla is an API-based ACH and account-to-account payment infrastructure provider that overlaps with E-Complish's ACH/plaid-integrated DevConnect rails – a smaller, US-focused fintech touching similar biller and SaaS use cases.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xtwitter.com/ecomplish
• Facebookfacebook.com/EComplish
• LinkedInlinkedin.com/company/e-complish

Compliance7 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about E-Complish