ECPay

ECPay Overview

ECPay is a Taiwan-born payment and commerce infrastructure operated by Green World FinTech Service Co., Ltd. It powers online and offline acceptance, integrates with major local banks and the four big convenience store chains, and bundles logistics and Taiwan uniform e-invoice services under one roof. The company highlights more than 200,000 clients using its stack, reflecting broad adoption in the local market.

Core Payment Capabilities

ECPay supports a wide mix of Taiwan-ready payment methods so you can match local checkout expectations and improve conversion.

Cards and card features

• Networks supported: Visa, Mastercard, JCB, and UnionPay. You can take one-off card payments, installments, and tap into credit card rewards programs. ECPay also supports recurring charges and saving cards.

• Apple Pay: Apple Pay can be enabled within ECPay’s online payments.

Bank transfers and convenience stores

• Bank transfers: Accept ATM virtual account payments and webATM transfers issued by multiple banks. These are widely used in Taiwan for invoice-like checkout flows.

• Convenience store payments: Generate payment codes or barcodes that customers settle in person at 7-ELEVEN, FamilyMart, Hi-Life, or OK Mart. This reaches buyers who prefer to pay in cash at their neighborhood store.

Mobile wallets and QR

• TWQR and WeChat Pay: TWQR payments and WeChat Pay are available in the ECPay flow through O’Pay. This extends coverage for mobile-first users without you managing separate integrations.

Installment options without a physical card

• Cardless installments: Offer 12 or 24 month installment plans that customers repay via convenience store or bank transfers. The service is provided by Urich and is positioned as zero seller fee for eligible corporate merchants.

Payment gateway aggregation

• ECPay Gateway: For industries like e-commerce, donations, accommodation, and transportation, ECPay can aggregate acquiring from multiple Taiwanese banks. Listed partners include NCCC, Cathay United Bank, Union Bank of Taiwan, Bank SinoPac, E.SUN Bank, Taishin Bank, and CTBC Bank. This helps you optimize routing and acceptance without piecing together separate bank integrations.

Taiwan Uniform E-invoice Built In

ECPay connects directly to Taiwan’s official e-invoice system, so you can issue, search, and manage invoices without a separate vendor.

• Issuance options: choose instant issuance, delayed issuance, or triggered issuance depending on your business flow. ECPay uploads issued e-invoices to the Ministry of Finance platform, cutting manual steps.

• Operational features: batch invoicing, invoice and allowance search, kiosk printing at 7-ELEVEN or FamilyMart, and POS e-invoice service that links with your in-store devices.

Developer Experience and Integration

ECPay provides detailed APIs and SDKs that cover payments, logistics, and e-invoicing so your engineering team can move quickly.

• All-in-One developer site: Centralized technical docs, SDKs, and integration flows for payments, logistics, and e-invoicing.

• Embedded checkout for apps: For mobile app flows, your server requests a token from ECPay, then your app uses the token to load the embedded checkout. ECPay validates the token before rendering the payment UI.

• Recurring payments and saved cards: Parameters in the checkout token flow cover saved cards and subscription plans. Documentation notes subscription support on Visa, Mastercard, and JCB, with caveats for certain schemes.

• Callback model and security: ECPay’s docs emphasize timestamp verification, AES encryption, and a required acknowledgment string in server-to-server callbacks for payment notifications.

• E-invoice API coverage: The e-invoice API covers issuing, allowances, invalidations, searches, notifications, and printing, plus AES encryption and checksum mechanisms.

• Payment method availability: The set of payment methods you can enable depends on your membership type and the methods contracted in the merchant dashboard. This is explicitly called out in the developer documentation.

Who Benefits Most From ECPay

ECPay is a strong fit if your growth strategy includes Taiwan or nearby markets with store-pickup culture.

• Local e-commerce brands: You get a complete basket of Taiwanese checkout methods plus logistics that match how local buyers prefer to receive parcels. Convenience store payments and pickups are native, not bolted on.

• Subscription and membership businesses: Recurring card payments are documented, and invoices can be issued automatically through the e-invoice API.

• Omnichannel sellers: Add an EDC terminal for in-store acceptance and unify payments with the same provider used online. Logistics and e-invoices live in the same ecosystem, which reduces integration spread.

• Cross-border sellers serving Chinese-speaking customers: Access store pickup in Hong Kong, Singapore, and Malaysia while keeping your Taiwan workflow.

Conclusion

Choose ECPay if Taiwan is a priority market and you value a single vendor that does more than payments. ECPay gives you the everyday methods Taiwan customers expect, native logistics pathing through convenience stores and national couriers, and compliant e-invoice tooling that plugs into the Ministry of Finance platform.