Worldpay for Platforms, built on the Payrix technology Worldpay acquired in 2022, is Worldpay's embedded-payments offering for software companies: instead of just accepting your own payments, you embed payment acceptance into your own product so your customers can take payments through it too. We build the back-office side most platforms underestimate: onboarding sub-merchants, tracking payouts across them, and reconciling what the platform actually earned in fees.
A regular Worldpay integration gets your own business paid. Worldpay for Platforms is a different arrangement, built for a software company, think a practice-management tool, a marketplace, or a vertical SaaS product, that wants to let its own customers accept payments through the platform itself, and earn a cut of that payment volume as a revenue line.
Worldpay offers a few different levels of how much of that arrangement a platform takes on itself. A referral model hands most of the underwriting and risk off to Worldpay in exchange for a smaller cut. A payment-facilitator-as-a-service model lets the platform brand the payment experience as its own while Worldpay still handles underwriting and compliance behind it. A full payment-facilitator setup puts the platform in charge of onboarding and risk for its own sub-merchants directly, with the bigger revenue share and bigger responsibility that comes with it.
Which model fits depends on how much risk, compliance work, and support volume a platform is actually ready to own, not just which one pays the most per transaction.
Once a platform is live, every sub-merchant it onboards needs to go through an identity and risk check, get a payout schedule set up, and show up somewhere the platform's own team can see their status, instead of someone logging into Worldpay's dashboard one account at a time.
The fee split is its own ongoing reconciliation problem. A platform earning a percentage of each transaction needs that percentage calculated correctly, matched against what actually settled, and reflected in its own revenue reporting, not just trusted to be right because a dashboard total says so.
A new customer signing up to accept payments through your platform can move through identity and risk checks automatically, with their status visible inside your own admin tools instead of a separate Worldpay login.
The percentage your platform earns on every sub-merchant's transactions gets calculated and matched against what actually settled, so your revenue reporting doesn't depend on trusting a dashboard total.
If getting a new customer live on your platform's payment acceptance still means someone manually walking them through setup, tell us where that process actually slows down.
The payment processing itself is the part Worldpay handles. Everything a platform needs around it, onboarding, payout visibility, fee reconciliation, support tooling, is still the platform's own problem to build. That's true of embedded payments specifically, and it's true of nearly every tool a growing software company bolts onto its product. n-frames builds whatever's still manual around it.
Let's talk →It's Worldpay's embedded-payments product for software companies, built on the Payrix technology Worldpay acquired in 2022. It lets a platform, rather than just a single merchant, let its own customers accept payments through the platform's product and earn a share of that transaction volume.
A normal integration gets one business paid for its own sales. Worldpay for Platforms is built for a software company that wants to become the payment facilitator for many sub-merchants underneath it, with its own revenue share and its own underwriting responsibilities depending on which model it picks.
Broadly, a referral model where Worldpay owns most of the risk and compliance work for a smaller cut, a payment-facilitator-as-a-service model where the platform brands the experience while Worldpay still handles underwriting behind it, and a full payment-facilitator model where the platform owns onboarding and risk for its own sub-merchants directly.
Worldpay for Platforms is built on Payrix technology. FIS acquired Payrix in 2022 and the product was rebranded under the Worldpay name afterward, so documentation and account references from before that point may still use the Payrix name.