Ecrypt
- Company typePrivate
- Founded2009
- HeadquartersWestlake Village, United States
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
Ecrypt firmographics
Firmographics- Name
- Ecrypt
- Legal name
- ECRYPT, Inc
- Website
- https://ecrypt.com
- Company type
- Private
- Founded year
- 2009
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Ownership category
- akta.pro rank
Ecrypt industry classification
Industry- Product category
- Payment Processing Software
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- SIC
- Finance Services (6199), Services-Computer Processing & Data Preparation (7374)
- akta.pro primary industry
- Integrated Payment Processors (PSP/Acquirer) (FSAMABAA)
- akta.pro secondary industries
- Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA), EMV Chip, Magstripe & PIN Debit Acceptance (FSAMADAG), POS Certification, Testing & Compliance (EMVCo, PCI PTS/PCI DSS) (FSAMADAL), Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB)
Keywords
Where Ecrypt is headquartered
LocationHeadquarters
- HQ city
- Westlake Village
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Ecrypt business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Payment Processing Services: Transaction-based revenue from processing credit/debit card payments for merchants across online, in-person, and multi-channel environments. Revenue generated through transaction fees, assessment fees, and interchange passthrough costs.
- Terminal/Hardware Services: Revenue from cloud-based EMV terminal management, P2PE device provisioning, and terminal equipment sales/rental.
- Platform Services and APIs: Developer API access, testing accounts, and technical support for merchants and ISV partners integrating payment capabilities.
- Optimization Services: Value-added services including level 2/3 processing, account updater, and SIC code configuration to maximize merchant transaction efficiency.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Transaction-based pricing with pass-through fees |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels4 records
Ecrypt product offering
Product offeringCore offering
Ecrypt develops and operates a B2B payment processing platform that unifies online, in-person, and multi-channel credit/debit card acceptance through three core products: Payment Processing (Seamless Pay), Dynamic Checkout, and Cloud EMV. The platform is delivered to merchants via a unified merchant portal and a developer API supporting tokenization, customer/wallet management, invoicing, subscriptions, and embedded payments. The company is PCI Level 1 Certified and operates as a registered ISO/MSP with multiple U.S. banks and Moneris Canada.
Product overview
Ecrypt Inc. is a payment technology company formed from the merger of BankCard USA and Preferred Payments, offering a unified payment ecosystem. The product portfolio centers on three core offerings: Payment Processing (Seamless Pay) for managing transactions across all channels, Dynamic Checkout for customizable payment pages, and Cloud EMV for in-person cloud-based terminal payments. These are complemented by an ISV Partners Program for embedded payments integration and a developer API. The ecosystem is unified under the ECRYPT brand with a single merchant platform at platform.ecrypt.com.
Differentiator
Problem solved
Functional benefit
Companies that use Ecrypt
Customer profileSegments1 record
Ideal customer profiles2 records
Ecrypt technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability1 record
Feature7 records
Ecrypt partnerships and signals
Strategic signalPartnerships
Nine partnerships are on record, tiered core.
- BankCard USA Merchant ServicescoreBankCard USA Merchant Services merged with Preferred Payments to form Ecrypt Inc., unifying operations to create a more powerful and seamless payment solution.
- Preferred PaymentscorePreferred Payments merged with BankCard USA to form Ecrypt Inc., combining expertise to deliver improved features and expanded payment offerings.
- Elavon, Inc.coreEcrypt is a registered ISO/MSP (Independent Sales Organization/Member Service Provider) of Elavon, Inc. Georgia, enabling card processing services through Elavon's payment network infrastructure.
- Fifth Third BankcoreEcrypt is a registered ISO/MSP of Fifth Third Bank, Cincinnati, OH, providing payment processing capabilities through the bank's network.
- Citizens Bank, N.A.coreEcrypt is a registered Independent Sales Organization of Citizens Bank, N.A., Providence, RI, enabling payment processing services.
- Westamerica BankcoreEcrypt is a registered ISO/MSP of Westamerica Bank, Santa Rosa, CA, providing payment network access.
- Esquire Bank, N.A.coreEcrypt is a registered ISO/MSP of Esquire Bank, N.A., Jericho, NY, enabling payment processing services.
- Moneris CanadacoreEcrypt is a registered ISO/MSP of Moneris Canada, providing cross-border payment processing capabilities into Canada.
- ISV Partners (Developers, Platforms, Marketplaces)coreEcrypt partners with Independent Software Vendors, platforms, and marketplaces to integrate embedded payment capabilities, optimize payment flows, and monetize products through secure, compliant transactions.
Scale indicators1 record
Recent moves5 records
Expansion highlights5 records
Ecrypt competitors and assessment
Company assessmentDirect peers
- Helcim: Helcim is a payment processor and merchant account provider focused on SMBs with interchange-plus pricing and integrated software tools. Directly comparable to Ecrypt in target market, pricing philosophy, and integrated platform approach.
- Stax (formerly Fattmerchant): Stax is a subscription-based payment processor targeting SMB and mid-market merchants with transparent pricing and integrated technology. Highly comparable to Ecrypt as both are ISO/MSP-model payment platforms competing in the SMB/mid-market segment.
- Payment Depot: Payment Depot is a payment processor and ISO offering wholesale-rate processing for SMB merchants. Comparable to Ecrypt in being an ISO/MSP-style processor with B2B focus and quote-based merchant acquisition.
Broad incumbents
- Clover Network (Fiserv): Clover, owned by Fiserv, is a leading POS and merchant services platform for SMBs. Comparable to Ecrypt as both provide integrated payment processing plus hardware (terminals), with Clover offering a broader commerce software suite.
- Global Payments: Global Payments is a major payment processing and software company serving merchants, financial institutions, and government clients. Comparable to Ecrypt as a broad-spectrum payment processor operating in similar merchant segments.
- Stripe: Stripe is a leading global payment processor and gateway serving developers and businesses of all sizes. Comparable to Ecrypt as both offer API-first integrated payment processing, though Stripe operates at vastly greater scale and geographic reach.
- Adyen: Adyen is a global enterprise payment processor offering unified online, in-person, and platform payment solutions. Comparable to Ecrypt in offering an integrated omnichannel payment platform with API architecture, though focused on enterprise rather than SMB.
- Block (Square): Block operates Square, a major SMB payments and POS platform. Comparable to Ecrypt in targeting small and mid-sized merchants with integrated payment hardware, software, and processing — though at substantially greater scale.
- PayPal: PayPal is a global digital payments giant offering merchant processing, gateways, and checkout solutions. Comparable to Ecrypt in providing end-to-end payment acceptance (online and in-person) for B2B merchants.
Regional players
- Moneris: Moneris is a Canadian payment processor and Ecrypt's actual ISO sponsor for cross-border Canadian processing. Comparable as a payment processor with ISO-style partner relationships, though primarily serving the Canadian market.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Ecrypt social profiles
Digital presenceEcrypt compliance and trust
Trust signalCompliance1 record
Ecrypt financial estimates
Financial estimateRevenue estimate
Valuation estimate
Ecrypt leadership team
Management profileNumber of profiles
Ecrypt funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Ecrypt M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Ecrypt
What does Ecrypt do?
Ecrypt develops and operates a B2B payment processing platform that unifies online, in-person, and multi-channel credit/debit card acceptance through three core products: Payment Processing (Seamless Pay), Dynamic Checkout, and Cloud EMV. The platform is delivered to merchants via a unified merchant portal and a developer API supporting tokenization, customer/wallet management, invoicing, subscriptions, and embedded payments. The company is PCI Level 1 Certified and operates as a registered ISO/MSP with multiple U.S. banks and Moneris Canada.
Is Ecrypt a public or private company?
Ecrypt is a private company. It is classified as unknown and is currently operating.
When was Ecrypt founded?
Ecrypt was founded in 2009. It employs 11 to 50 people.
Where is Ecrypt based?
Ecrypt is headquartered in Westlake Village, United States, in the North America region.
How does Ecrypt make money?
Four revenue lines are on record. Payment Processing Services are the primary driver. The others are terminal/Hardware Services, platform Services and APIs and optimization Services.
Who are Ecrypt's main competitors?
Direct peers on record are Helcim, Stax (formerly Fattmerchant) and Payment Depot. Broad incumbents are Clover Network (Fiserv), Global Payments, Stripe, Adyen, Block (Square) and PayPal. Moneris is listed as a regional player.
Does Ecrypt have an API?
Yes. ECRYPT provides a payment API that enables developers to build and tailor payment processes. Key capabilities include handling card-not-present transactions, processing card-present/terminal payments, managing customers and wallets, and implementing credit card tokenization. The API supports features such as customizable iframes for embedded payments, invoicing, e-commerce experiences, and automated recurring billing with subscriptions. API reference documentation is available at https://developer.ecrypt.com/reference/get_v1-customers. Test accounts are available at https://info.ecrypt.com/get-a-test-account. Developer documentation is at developer.ecrypt.com/docs/getting-started.
What industry is Ecrypt in?
Ecrypt's product category is Payment Processing Software. Its primary akta.pro industry code is FSAMABAA, Integrated Payment Processors (PSP/Acquirer), with a secondary code of FSAMACAA, Merchant Payment Gateways (API/Hosted Checkout). Its NAICS code is 522320 and its SIC code is 6199.