Operate. Protect. Grow.
SaaS for modern commerce.
We build tools that make online selling effortless: Fraud API with risk scoring, device intelligence, and IP reputation; intelligent payment routing and retries; subscription billing; reconciliation and analytics.
Product overview
Modular building blocks that fit your checkout, CRM and finance stack.
Fraud & Risk Scoring
BIN & issuer checks, IP & ASN reputation, device fingerprint, velocity limits, allow/deny lists and rules.
Routing & Retries
Multi‑provider routing by BIN country, currency, risk, and failure code mapping to lift approvals.
Subscriptions
Plans, proration, pause/resume, dunning, and webhook‑driven lifecycle events.
Reconciliation
Normalize provider payloads, fees and settlements. Export clean ledgers to accounting.
Developer‑first
Predictable HTTP/JSON APIs, idempotency, environments, and comprehensive webhooks.
POST /v1/fraud/score HTTP/1.1
Authorization: Bearer <api_key>
Content-Type: application/json
{ "ref": "ORDER-92451", "amount": 1499, "currency": "EUR", "card_bin": "535522", "ip": "203.0.113.5", "email": "jane@example.com", "device_id": "2c7e…f91", "billing_country": "FR" }
// Response
{ "score": 18, "risk": "low", "actions": ["allow"], "reasons": ["clean_ip", "email_age_ok", "device_seen_before"] }
Security & Compliance
- Data minimization & encryption in transit/at rest
- RBAC, audit trails, environment isolation
- GDPR‑aware processes; customer data ownership
APIs & Modules
Use one module or the full platform. Everything is composable.
Risk Score
0–100 with reasons, action hints: allow, review, block.
Device Intelligence
Tamper checks, linking across orders & accounts.
Payment Router
Choose best provider by rules, risk, BIN/country, health.
Dispute Signal
Predict dispute risk; trigger pre‑emptive actions.
Subscriptions
Plans, invoicing, retries, dunning.
Ledger & Reports
Unify transactions, fees, payouts; export CSV/JSON.
Who we serve
We receive money from merchants on subscription or usage. We support SMBs to enterprise.
Digital Goods & SaaS
- Software licenses & subscriptions
- Gaming & entertainment
- Content & memberships
E‑commerce Retail
- Cross‑border stores
- D2C brands & marketplaces
- High‑risk segments (case‑by‑case)
Fintech & Platforms
- Platforms with 3rd‑party sellers
- Payment facilitators & ISVs
- Orchestration & aggregation tools
Money Flows
Who pays us and whom we pay to operate the platform.
We receive money from
- Online merchants using our SaaS
- Platforms buying fraud checks
- Enterprise annual agreements
We send money to
- Cloud hosting & infrastructure
- Payment & identity providers
- Software licensors & data vendors
- Independent contractors / dev partners
Suppliers & Subcontractors
- CDN, monitoring, logging
- BIN/IP data signal providers
- Open‑banking & KYC vendors
- Accounting & BI tooling
Legal information
Company identity, Terms of Use (CGU), and Privacy Policy.
Company details
- Entity: SUMMIT ECOM LTD
- Company number: 16689399
- Registered office: 71–75 Shelton Street, Covent Garden, London, United Kingdom, WC2H 9JQ
- Company status: Active
- Company type: Private limited company
- Incorporated on: 2 September 2025
- Accounts: First accounts made up to 30 September 2026, due by 2 June 2027
- Confirmation statement: First statement date 1 September 2026, due by 15 September 2026
- Nature of business (SIC): 47410 – Retail sale of computers, peripheral units and software in specialised stores; 62012 – Business and domestic software development
Terms of Use (CGU)
These Terms govern access to and use of Summit Ecom LTD software and APIs.
- Scope. Services include fraud scoring, routing, subscriptions, reconciliation, analytics.
- Accounts. Clients must keep credentials confidential; API keys are environment‑scoped.
- Acceptable use. No unlawful activities or attempts to bypass security/rate limits.
- Uptime & support. Targets may be stated in an order form or MSA; otherwise best‑effort.
- Fees & billing. Subscription and/or usage fees; invoices payable as agreed.
- Data. Client retains ownership of its data; we process as a processor under data laws.
- Liability. Disclaimers to the maximum permitted by law; indirect damages excluded.
- Termination. Either party may terminate for material breach or for convenience per terms.
- Governing law. England & Wales, unless otherwise agreed in writing.
Privacy Policy
Explains what we collect, why, and how we protect it.
- Data we process. Account data, usage logs, device/network signals for fraud scoring.
- Legal bases. Contract performance, legitimate interests, and consent where required.
- Sharing. With sub‑processors (cloud, analytics, identity) under data processing terms.
- Security. Encryption in transit/at rest, access controls, audit trails.
- Retention. Kept no longer than necessary for the stated purposes or legal obligations.
- Rights. Access, rectification, deletion, portability, objection, restriction (per GDPR).
- Contact. privacy@summitecom.example
Imprint / Mentions légales
- SUMMIT ECOM LTD — Company No. 16689399
- Registered office: 71–75 Shelton Street, Covent Garden, London, WC2H 9JQ
- Email: legal@summitecom.example
- Director details available upon request or via Companies House filings.
- VAT number: to be confirmed (if applicable).
CompanyOverview, Filing history, and People information are accessible via public filings.
Let’s talk
Tell us about your stack and goals—get a tailored plan and timeline.
Company registered in the United Kingdom. This page is informational and non‑contractual.