About Ecommpay and Its CEO
Exclusive Interview with Lorenzo Pellegrino
1. Can you briefly describe Ecommpay’s mission and current positioning?
Our mission is to simplify complex payment infrastructures for digital-first businesses. We’re positioned as a high-performance payment provider focused on customization and security.
2. What industries are you currently serving?
We’re strong in travel, mobility, online retail, and digital services. Our tailored payment flows and risk stack make us a fit for verticals with high conversion sensitivity.
3. How do you differentiate from competitors like Stripe, Checkout.com or Adyen?
Our competitors often push plug-and-play APIs. We go further with bespoke integration, multi-jurisdiction acquiring, and embedded risk scoring logic per merchant flow.
4. What role does AI play in your fraud prevention tools?
AI helps us adaptively model risk profiles and behaviors. It’s increasingly important in detecting synthetic identities and ATOs (account takeovers).
5. You recently expanded in the Baltics and DACH—what’s the go-to-market strategy?
Partnerships with local PSPs and banks are key. We prioritize merchants with cross-border volume.
6. How would you describe your compliance and licensing roadmap?
We hold an EMI license from Malta, passported across the EU. We’re ISO 27001 and PCI DSS Level 1 certified.
7. How do you manage onboarding risk?
We run enhanced due diligence for crypto-adjacent or high-risk verticals and automate KYC with human review checkpoints.
8. What are the main challenges in today’s European payments market?
Margin compression, real-time settlement demand, and the evolving compliance landscape (esp. PSD3 coming).
9. How do you support subscription-based business models?
We offer recurring billing optimization, automated retry logic, and detailed churn dashboards.
10. Can you explain your acquiring capabilities?
We offer direct acquiring with Visa and Mastercard, plus alternative payment methods across 100+ countries.
11. How important is UX in payment pages?
Crucial. We offer adaptive checkout flows with A/B testing modules and localization layers.
12. Do you offer embedded finance or BaaS components?
We’re building towards embedded payouts and merchant cash advance solutions.
13. Are you planning to enter the B2B payments space?
Yes, particularly invoice finance and B2B payout rails for marketplaces.
14. What’s your vision for Open Banking?
We’re integrating AIS and PIS solutions, especially in markets like the UK, France, and Germany.
15. How do you handle chargebacks and disputes?
Our in-house team integrates with schemes’ APIs and automates evidence submission.
16. How is your team structured for innovation?
We run three agile squads: core payments, risk & data, and platform engineering.
17. Who are your main competitors in the EU region?
Adyen, Worldline, Nuvei, and Payplug—but we target a different segment: mid-market firms needing flexibility.
18. Can you tell us about your most successful merchant case study?
A mobility company in Eastern Europe scaled from €0 to €20M in monthly volume using our payment orchestration engine.
19. What KPIs do you focus on internally?
Approval rates, fraud ratios, integration time, and merchant NPS (Net Promoter Score).
20. What’s your 2025–2026 roadmap?
Expand acquiring licenses, launch payout APIs for gig platforms, and develop an EU-licensed BNPL module.
Related Searches
- Best EMI licensed providers in Europe
- How to choose a payment gateway
- Ecommpay vs Stripe vs Adyen
- PSD3 impact on European fintech
- Lorenzo Pellegrino interview 2025
Frequently Asked Questions (FAQ)
What makes Ecommpay different from Stripe or Adyen?
Ecommpay focuses on tailored integration and risk-first design for mid-market merchants, unlike the API-first approach of others.
Is Ecommpay regulated in the EU?
Yes, Ecommpay Europe is a licensed EMI regulated in Malta and passported across the EEA.
Can I integrate crypto payments via Ecommpay?
Yes, depending on jurisdiction and risk appetite, crypto-related integrations are reviewed manually.
