Payment infrastructure
for growing businesses

Card payments, clear reporting and an API built for your business

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One platform

Everything from
checkout to payout

Take payments, keep them safe, account for every movement and pay out, with one Merchant Portal to see it all.

How a card payment flows

Unleash Tomorrow,
Today

ecomm brings online payment processing and merchant operations together, with tools to integrate payments and manage your business.

CustomerCard or wallet
Your checkoutWebsite or app Authorised EUR 129.00
ecommProcessing
Card schemeVisa · Mastercard
IssuerCustomer’s bank
  1. 01

    Checkout

    Your customer pays by card, Apple Pay or Google Pay on your website.

  2. 02

    Authorisation

    The payment is routed for authorisation with the card scheme and the customer’s bank.

  3. 03

    Result

    The authorisation result returns to your checkout.

After the payment

Where your money
goes next

Authorised is only the start. Follow the same EUR 129.00 through settlement, reconciliation and our own ledger to your bank account, one visible step at a time.

  1. 01

    Captured

    The authorised payment is captured in full and shows in your balance as pending.

  2. 02

    Settled

    The card scheme includes the payment in its settlement to ecomm.

  3. 03

    Reconciled

    The settlement line is matched to the payment. Gross, fee and net must add up; any difference is recorded with its reason.

  4. 04

    Posted to the ledger

    Every movement is posted to our own double-entry ledger as balanced, immutable entries, to the cent.

  5. 05

    Available

    EUR 120.10 becomes available to withdraw and 6.45 is held in reserve. Available, pending and reserved are always shown apart.

  6. 06

    Withdrawal requested

    You request a withdrawal to your bank account in EUR and follow every stage.

  7. 07

    Paid

    EUR 120.10 reaches your bank. Paid out 120.10, reserved 6.45 and the 2.45 fee make exactly 129.00.

Merchant PortalPayments / pay_7Kq2V9
EUR 129.00Visa •• 4242 · Online payment
Authorised Captured Settled Reconciled Posted Available Paying out Paid out
  1. AuthorisedIn your checkout · Visa •• 4242
  2. CapturedCaptured in full · EUR 129.00
  3. SettledIn the card scheme settlement STL-0926-VISA
  4. Reconciled129.00 − 2.45 fee = 126.55 Matched
  5. Posted to the ledger 4 balanced entries · debits equal credits
  6. Available120.10 available · 6.45 reserved
  7. WithdrawalEUR 120.10 to your bank account •• 4417
    1. Requested
    2. Approved
    3. Sent
    4. Paid
AvailableEUR0.00
PendingEUR0.00
ReservedEUR6.45

AvailablePaid out 120.10 Reserved 6.45 Fee 2.45 = EUR 129.00

Merchant Portal

Your payments business
in one place

Payments, disputes, balances, developer tools and your team, together in one portal, in Live and in Sandbox.

Log in

Good morning, Anna

Wednesday, 24 September 2026

Last 7 days
Payments1,285+5.1%vs last 7 days
Success rate93.6%+2.1 ppvs last 7 days
VolumeEUR 48,210+8.7%vs last 7 days

Volume by day

EUR
Wed 24 SepEUR 9,990
ThuFriSatSunMonTueWed

Latest payments

View all
  • EUR 129.0010:42Succeeded
  • GBP 64.5010:07Succeeded
  • USD 18.9009:52Processing
  • CHF 89.0009:40Succeeded
01

Your day at a glance

Payments, success rate and volume for any period, and your latest payments as they come in.

Transactions

Every payment your customers made, newest first.

Search ID, amount, last 4
Status Payment method Last 7 days
AmountStatusPayment methodCreatedPayment ID
EUR 129.00Succeeded•• 424224 Sep, 10:42:18pay_4MCxxMEzzPzaCsV8
PLN 240.00Succeeded•• 444424 Sep, 10:31:05pay_hFYPm0V52R1cEtX9
GBP 64.50Succeeded•• 188124 Sep, 10:07:44pay_M9srbchA5T2dFwYB
USD 18.90Processing•• 007724 Sep, 09:52:31pay_14AHRExF8W4fHxaC
CHF 89.00Succeeded•• 318424 Sep, 09:40:12pay_ezVmGtAMAY6hKzbE
EUR 310.00Failed•• 545424 Sep, 09:21:56pay_HspC7WPSDa7jM0dF
214 test payments
Refund requestedPLN 60.00 · Mastercard •• 4444
02

Every payment and refund

Filter transactions by status, method and period, and refund all of a payment or part of it. Switch to Sandbox to work with test data.

DisputesDSP-1042

Product not received

Accept chargebackChallenge dispute View response and documents
Action neededUnder review6 days leftSubmitted 24 SepGBP 64.50 · Visa
First response due in 6 days

Respond by 30 Sep 2026, 19:00. Accept the chargeback, or challenge it with your evidence.

Your response is with us

We review your evidence and send it to the card network. You’ll see each update here.

Lifecycle

  1. Received20 Sep
  2. Your responseDue 30 Sep
  3. Our review
  4. Card network
  5. Outcome

Evidence

2 files · 1.1 of 14.5 MB
order-receipt.pdf184 KBUploaded 24 Sep, 09:58
delivery-tracking.pdf100%

Dispute details

  • Disputed amountGBP 64.50
  • Payment•• 1881
  • Card networkVisa
  • Received20 Sep 2026
  • Respond by30 Sep 2026

Only Submit for review counts as a response. Viewing or saving a draft doesn’t.

03

Disputes with a deadline

Every case shows the time left, its stage and your evidence. Accept the chargeback or challenge it, then follow it to the outcome.

Balances

What ecomm holds for you, and what is still on its way.

Refresh
EUREuroRequest withdrawal
Available to withdrawEUR 32,640.20
PendingEUR 12,904.10
ReservedEUR 8,625.00
Withdrawal requestAmountStatusSubmitted
WR-10488EUR 15,000.00Processing24 Sep, 09:12
WR-10485EUR 4,200.00Completed19 Sep, 16:40
WR-10479EUR 9,500.00Completed12 Sep, 11:05
04

Balances you can follow

See what’s available, pending and reserved. Request a withdrawal in EUR and follow every stage.

Webhooksshop.example.com/webhooks

shop.example.com/webhooks

EnabledPayment and refund events
Send test event

Events it receives

payment.succeededpayment.failedpayment.partially_refundedrefund.succeededrefund.failed
EventDeliveryLast answerAttempts
payment.succeededDelivered200 OK · 142 msAttempt 1
refund.succeededRetryingDelivered503 · 2.1 s200 OK · 188 msAttempt 12
Attempt 1 · 503 Service Unavailable · retried
payment.partially_refundedDelivered200 OK · 131 msAttempt 1
payment.failedDelivered200 OK · 97 msAttempt 1
05

Webhooks with every attempt

Each delivery shows its answer and every attempt, and a failed one is retried. Build and test it all in Sandbox.

Team & roles

5 active members · 1 pending

Invite member Needs the Owner or Admin role
MemberRoleStatusLast active
ANAnna Novak(You)OwnerActive2 min ago
JWJames WhitfieldAdminActive3 hours ago
MHMarek HorvathDeveloperActive1 day ago
PSPriya Shah(You)View onlyActiveNow
OGOliver GrantView onlyActive25 min ago
S[email protected]DeveloperPendingInvited 2 days ago
06

A role for everyone

Owner, Admin, Developer and View only. An action a role can’t take stays visible, disabled, with the role it needs.

Fraud prevention

Stop fraud at checkout,
not in your balance.

Every Direct API and Hosted Payment Page attempt is screened against configurable antifraud rules before authorisation, and 3-D Secure authenticates the cardholder. A denied attempt stops right there.

Antifraud screening Every attempt
Payment attempt EUR 129.00
•• 4242 Direct API pay_q7Mk2Np8Vr4Xt6Yz9Ab3Cd5E

Screening signals6 / 6 checked

  1. Card historyClear
  2. Email and customerClear
  3. IP addressClear
  4. Card rangeClear
  5. Amount and volume limitsClear
  6. Issuer signalsClear
3-D Secure Authenticated
ALLOW Sent for authorisation
Recent decisionsLive
  • ALLOWEUR 310.00Mastercard •• 2205
  • ALLOWCHF 89.00Mastercard •• 5100
  • DENYEUR 54.00Visa •• 6617
  • ALLOWUSD 18.90Visa •• 1881
  • ALLOWGBP 42.00Visa •• 3094
  • ALLOWEUR 76.40Mastercard •• 7719
  • ALLOWSEK 1,250.00Mastercard •• 8812
  • ALLOWPLN 99.00Visa •• 4410
  • ALLOWEUR 19.99Visa •• 0356
  • ALLOWCZK 640.00Mastercard •• 2748

  • Configurable rules

    Card, customer, network and volume signals are weighed on every attempt.

  • 3-D Secure

    Cardholders authenticate with their bank when a card payment needs it.

  • Every decision on record

    Allow or deny is decided before authorisation and stored with its reason.

  • Disputes in the portal

    Every case shows its deadline and evidence; accept or challenge it.

Developers

Two ways to integrate.
One clear API.

Send customers to the Hosted Payment Page, or collect card details in your own checkout with the Direct API. Both create the same Payment, with refunds, card payouts and signed webhooks on top.

Read the docs
POST/v1/payments/hppSandbox key
                curl -X POST https://api.ecomm365.eu/v1/payments/hpp \
                  -H "Authorization: Bearer $ECOMM_API_KEY" \
                  -H "Idempotency-Key: order-2345678901-hpp-1" \
                  -H "Content-Type: application/json" \
                  -d '{
                    "amount": 12900,
                    "currency": "EUR",
                    "customer_ip_address": "203.0.113.7",
                    "return_url": "https://shop.example/checkout/complete"
                  }'
201 CreatedRequest-Id: req_7Hn2Qx9Lw4Bd
                {
                  "id": "pay_q7Mk2Np8Vr4Xt6Yz9Ab3Cd5E",
                  "status": "REQUIRES_ACTION",
                  "next_action": { "reason": "hosted_payment_page", … }
                }
Sandbox Key api_test_sk_•••• Quickstart
Paymentpay_q7Mk2Np8Vr4Xt6Yz9Ab3Cd5E
  1. REQUIRES_ACTION
  2. PROCESSING
  3. SUCCEEDED

The customer pays on the hosted page. Your server confirms the result with GET /v1/payments/{id}.

Webhook eventsshop.example/webhooks/ecomm
  • payment.succeeded200
  • payment.requires_action200
  • payment.created200

Signed with Flowlix-Signature, retried when a delivery fails

Base URL
api.ecomm365.eu/v1
Authentication
Bearer secret key
Modes
Sandbox and live keys
Safe retries
Idempotency-Key

Onboarding

Go live
in four steps

Apply online, verify your business, sign your agreement electronically and go live. Your sandbox is ready from day one.

  1. Apply

    Tell us about your business: a registered company or a sole trader.

  2. Verify

    We verify your business and its owners. Upload documents in the portal.

  3. Sign

    Review your agreement, with pricing and terms, and sign it electronically.

  4. Go live

    Tested in your sandbox, switch to live keys and take your first live payment.

Industries

Built for how your business
takes money

Three ways money moves through one platform, from the first payment to the last payout.

01

E‑commerce & retail

CheckoutBalanceBank

  • Partial refunds when part of an order comes back
  • Wallet checkout for shoppers on their phones
  • Each order matched when its settlement lands
02

Digital goods & services

CheckoutScreeningBalance

  • Attempts screened before anything is delivered
  • One-tap wallet payments for small purchases
  • Disputes answered with access or download records
03

Other online businesses

CheckoutBalanceBank

  • One integration for cards and wallets
  • Every settlement reconciled to your balance
  • Refunds, payouts and disputes in the Merchant Portal

Security & control

Accountable
by design

Every action is on record, card numbers stay masked, test keys never touch live money, and every merchant stays under watch after going live.

Every action on record

An audit trail shows who did what and when, so every change in your account traces back to a person.

Card numbers stay masked

Full card numbers are never shown in the portal. You see the brand and the last four digits.

Sandbox and Live kept apart

Every account starts in the sandbox, where test keys never move real money. Going live means switching to live keys.

Watched after go-live

Onboarding is not the last check. Every merchant stays under ongoing monitoring, including screening of their website.

FAQ

Questions
and answers

Short, plain answers about payments, money and integration.

Visa, Mastercard, Apple Pay and Google Pay, on the Hosted Payment Page or through the Direct API.

Customers pay in 42 authorisation currencies. Withdrawals to your bank account are in EUR.

Yes. Card payments run 3-D Secure, and every attempt is also screened against antifraud rules.

In the Merchant Portal. Each dispute has its own case with a deadline and your evidence, and you accept or challenge it there.

Payments settle to your balance. You withdraw to your bank account in EUR and follow each stage in the portal.

In full or in part, from the Merchant Portal or through the API.

Yes. Card payouts send money to a card, and each one shows in the portal.

Use the Hosted Payment Page or the Direct API. The documentation covers both, and you test in sandbox before going live.

Your company details, the owners, a few documents and an agreement you sign electronically. Sandbox is open from day one.

Still have a question? Our team answers directly.

Read the docs

Ready to discuss
your payment needs?

Contact our team to discuss your business and integration requirements.