Payment.Center

What Payment.Center does

Payment.Center is the commercial brand of Ecom Center Limited, a privately held payment-processing company established in 2013 and registered in Hong Kong under Money Service Operator (MSO) License No. 17-05-02122 issued by the Hong Kong Customs and Excise Department. The firm operates a payment processing gateway for online and omnichannel merchants with a horizontal segmentation across e-commerce, service-based businesses accepting orders via phone/messaging/social channels, and platforms requiring high-volume payouts. Headcount is reported at 51-100 employees.

The platform's technology stack is centered on a proprietary cascading payments engine that automatically retries failed transactions through alternative acquiring banks or processors, complemented by recurring billing, digital invoicing delivered via SMS/email/chat, authorization holds, mass payouts to bank accounts and e-wallets, a merchant portal with real-time reporting, and a fraud prevention system built on PCI DSS Level 1 standards with risk scoring, anomaly detection, transaction scoring, and customizable filters reviewed manually by dedicated analysts. Integration is offered through three tiers — a PCI DSS-compliant hosted payment form, a direct API gateway, and tailored integration support — and the firm maintains GDPR/PSD2 alignment for EEA cards and Hong Kong AML/CTF compliance, including identity verification on payouts exceeding HKD 8,000.

Revenue is generated on a transaction-based take-rate model with quote-based enterprise pricing; no public pricing is disclosed. Go-to-market is sales-led through the company's website contact form, supplemented by an affiliate program that pays ongoing commissions for client referrals, with rates flexed by client size, industry, and transaction volume. The company claims global coverage subject to card-network and jurisdictional rules, with statutory disclosures referencing Asia-Pacific (Hong Kong) and Europe, and offers multilingual assistance via a single sales inbox ([email protected]). No named customer logos, partnerships, funding rounds, or acquirer relationships are disclosed in the source material.

Name

Payment.Center

Legal name

Ecom Center Limited

Website

https://payment.center

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

51–100 employees

Short description

Payment.Center is the commercial brand of Ecom Center Limited, a Hong Kong MSO-licensed payment processor offering a gateway with cascading transaction routing, recurring billing, mass payouts, and AI-assisted fraud prevention to e-commerce, service-based, and high-volume-payout merchants globally.

Ownership category

akta.pro rank

Product category

Payment Processing Services

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

akta.pro primary industry

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

akta.pro secondary industries

Integrated Payment Processors (PSP/Acquirer) (FSAMABAA), Recurring Billing, Subscriptions & Tokenized Payments (CRAFALAH)

Keywords

• Payment processing solutions
• Online payment gateway
• Merchant payment services
• Fraud prevention systems
• Recurring billing platform

Headquarters

HQ city

Moscow

HQ country

Russia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Payment processing fees: Transaction-based fees charged on payment processing through their platform. The company processes payments globally with support for multiple payment methods including credit cards, digital wallets, and various payment channels.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels2 records

Core offering

Payment.Center (legal entity Ecom Center Limited) is a Hong Kong-regulated payment processing gateway that provides merchants with a unified platform for accepting online card payments. Its core offering includes cascading transaction routing across multiple acquirers, recurring billing, digital invoicing via SMS/email/chat, authorization holds, mass payouts, and a real-time merchant portal with detailed reporting and customizable fraud prevention.

Product overview

Payment.Center is a unified payment processing platform operated by Ecom Center Limited, offering a comprehensive suite of payment solutions. The platform includes core payment capabilities such as Cascading Payments (automated retry through alternative acquirers), Recurring Payments (subscription management), Digital Invoicing (SMS/email/chat-based requests), Authorization Holds, Payments without 3D Secure, Mass Payouts, a Merchant Portal for real-time monitoring, and Detailed Reporting. The platform is complemented by a Fraud Prevention System featuring risk scoring, anomaly detection, and transaction monitoring. Integration is available via Hosted Payment Form ( PCI DSS-compliant hosted page) or Direct API integration. The company also offers an Affiliate Program for referral partnerships. All services operate under Hong Kong Money Service Operator license with global coverage.

Differentiator

Problem solved

Functional benefit

Products and services

• Cascading Payments Automatically retries failed transactions through alternative acquiring banks or payment processors, with customer notifications for each retry to prevent duplicate charges. Built for merchants requiring higher transaction success rates.
• Recurring Payments Enables automatic payments with customer consent for subscriptions or repeat purchases. Targeted at merchants with subscription or repeat-billing models.
• Digital Invoicing Allows merchants to send payment requests via SMS, email, or chat for orders taken over the phone, through messaging apps, or social media, without requiring a website.
• Authorization Holds Reserves funds on a customer's card and allows merchants to confirm or cancel the transaction, providing greater control over payment flows.
• Payments without 3D Secure Completes transactions without 3D Secure authentication in jurisdictions where it is not legally mandated or supported by the card issuer, aimed at maximizing conversion.
• Mass Payouts Streamlines high-volume disbursements to bank accounts, e-wallets, or other payment channels. Recipients must undergo identity verification for payouts exceeding HKD 8,000 per Hong Kong AML rules.
• Fraud Prevention System Real-time fraud detection and mitigation system with customizable filters, risk scoring engine, anomaly detection, transaction scoring, dedicated fraud analysts, and PCI DSS Level 1 / SSL encryption.
• Affiliate Program Referral program offering commissions for client referrals with ongoing payouts, flexible commission rates adjusted by client size and transaction volume, transparent monthly reporting, and a dedicated personal manager.

Quantifiable outcome

• Increased transaction success rates through automatic cascading to alternative processors
• +1 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

AI capability1 record

Feature9 records

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Worldpay: Worldpay is a global merchant acquirer and gateway serving enterprise and SMB merchants across cards, ACH, and alternative methods. It is a broad incumbent comparable to Payment.Center's acquiring-orbit, even though Payment.Center is gateway-led rather than acquirer-led.
• Braintree (PayPal): Braintree is PayPal's developer-focused gateway offering card processing, subscriptions, and fraud protection (Kount) within PayPal's broader commerce stack. It competes with Payment.Center in API-first processing while leveraging PayPal's broader wallet and consumer ecosystem.

Direct peers

• Checkout.com: Checkout.com is a global payment processor and gateway serving enterprise merchants with optimized routing and fraud tools. Its smart routing and unified acquiring model directly parallel Payment.Center's cascading and orchestration value proposition.
• Authorize.Net: Authorize.Net is a long-standing payment gateway offering hosted forms, API integration, recurring billing, and fraud tools under a Visa-owned brand. It overlaps directly with Payment.Center's gateway, hosted form, recurring billing, and fraud filtering offerings.
• Stripe: Stripe is a global payment gateway and integrated processor offering API-first card processing, recurring billing, fraud prevention (Radar), and mass payouts (Connect). It is the most directly comparable peer given Payment.Center's overlap across gateway, subscriptions, payouts, and developer-led integration.
• Nuvei: Nuvei is a global payment technology company providing merchant acquiring, gateway processing, and fraud optimization with a focus on e-commerce and alternative payment methods. Its emphasis on smart routing and cross-border acceptance directly mirrors Payment.Center's positioning.
• 2Checkout (Verifone): 2Checkout is a payment gateway and merchant-of-record service offering hosted checkout, recurring billing, and global tax/fraud tooling. It overlaps with Payment.Center on recurring payments, hosted checkout, and cross-border subscription use cases.
• Adyen: Adyen is a global unified payments platform providing merchant acquiring, gateway processing, and risk management across cards and alternative methods. It competes head-to-head with Payment.Center in cross-border e-commerce and omni-channel acceptance.

Regional players

• Mollie: Mollie is a European payment service provider offering gateway, subscriptions, and multi-method acceptance primarily across the EEA. It is a regional peer with comparable subscription and gateway product set that Payment.Center can compete against in Europe.

Emerging players

• Paddle: Paddle is a merchant-of-record billing and checkout provider for SaaS and digital goods with built-in subscriptions, invoicing, and fraud tooling. It is a comparable emerging player for Payment.Center's subscription and recurring billing use cases.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/payment.center

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

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 Payment.Center