WePay
WePay provides payment infrastructure for independent software vendors and software platforms that help small businesses get paid.
What WePay is
WePay provides payment infrastructure for independent software vendors and software platforms that help small businesses get paid. Its platform flow covers merchant onboarding, payment processing, and withdrawals to users’ bank accounts. Platforms can choose Clear, Link, or Core integrations, and use APIs to onboard merchants and process payments. Link supports iframe or custom payment interfaces, hosted merchant onboarding and identity-check interfaces, and tokenization for card, bank account, and digital wallet details. A custom checkout can let a platform provide its own branded payment experience. The Merchant Center supports onboarding, transactions, reporting, chargebacks, and user access management. WePay describes flexible payouts and same-day deposits; deposits to a Chase bank account have no additional cost for the platform. It supports most domestic and international cards bearing Visa, Mastercard, American Express, Discover, JCB, or Diners Club logos. API access follows application registration, and WePay recommends using its stage environment before production. Merchants generally open accounts through a platform partner rather than integrating directly. U.S. and Canadian merchant availability varies by partner. Pricing is on request; Link Standard is described as currently closed beta.
Good
- Onboarding, processing, and payouts in one flow
- Clear, Link, and Core integration options
- Custom checkout can support branded experiences
- Flexible payouts and same-day deposits
- SDKs listed for several languages and mobile platforms
Watch out
- Pricing is available on request
- Direct merchant integration is not supported
- Link is currently in closed beta
- Merchant availability varies by platform partner
Who it suits
It suits software platforms and independent software vendors building payment flows for small-business merchants. Merchants generally need to access WePay through a platform partner, and availability depends on that partner.
Verdict
WePay is aimed at platforms that need payment infrastructure rather than merchants seeking a direct integration. Its options include onboarding, payment processing, and payouts, but availability and access depend on the platform relationship.
Plans and prices
From WePay's own pricing page, checked 9 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| Link Standard | Priced on request | 2.9% + 25¢ (card not present) · 2.6% + 10¢ (card present) · $0 chargeback fee · currently closed beta |
The facts
Each one read from WePay's own pages, with the date it was checked.
What it does
- API
- WePay offers APIs for platforms to onboard merchants and process payments on their behalf.checked 9 Oct 2026
- API access
- API access is granted after registering an application, and WePay recommends testing in its stage environment before production access.checked 8 Oct 2026
- Availability
- The Link offering is described as being in closed beta.checked 9 Oct 2026
- Card support
- WePay says it supports most domestic and international cards bearing Visa, Mastercard, American Express, Discover, JCB, or Diners Club logos.checked 8 Oct 2026
- Checkout
- WePay offers a custom checkout flow that tokenizes card details so a platform can provide its own branded checkout experience.checked 8 Oct 2026
- Geographic availability
- Merchant support in the U.S. and Canada varies by partner platform, so merchants are directed to confirm availability with their platform.checked 8 Oct 2026
- Merchant access
- WePay’s help page says merchants typically need to create an account through one of WePay’s platform partners because WePay does not support direct integration.checked 9 Oct 2026
- Merchant tools
- Link provides a Chase-branded merchant center with reporting tools for merchants.checked 9 Oct 2026
- Onboarding and processing
- Its platform flow includes merchant onboarding, payment processing, and withdrawals to users’ bank accounts.checked 8 Oct 2026
- Payment experience
- Link supports iframe or custom payment UIs and hosted merchant onboarding and KYC/CIP UIs.checked 9 Oct 2026
- Payments flow
- The developer documentation describes merchant onboarding, payment processing, and withdrawals to users’ bank accounts.checked 9 Oct 2026
- Payouts
- WePay describes flexible payouts and same-day deposits, with no additional cost for the platform when depositing to a Chase bank account.checked 8 Oct 2026
- PCI requirements
- For Link, the stated PCI burden is SAQ-A with a credit-card iframe and SAQ-A-EP with JS tokenization.checked 9 Oct 2026
- Product
- WePay provides payment infrastructure for software platforms and independent software vendors.checked 9 Oct 2026
- SDKs
- The developer documentation lists SDKs for PHP, Ruby, Python, NodeJS, Java, iOS, and Android.checked 9 Oct 2026
- Security
- WePay advises that integrating its API reduces the scope of an application’s security and compliance requirements, while still requiring the platform to secure its own users and data.checked 9 Oct 2026
- Support
- The help article lists WePay Support hours as Monday through Friday, 9:00 AM to 9:00 PM EST.checked 8 Oct 2026
- Tokenization
- WePay’s JavaScript libraries tokenize payment information including cards, bank accounts, and digital wallet payments.checked 9 Oct 2026
- What it does
- WePay provides payments infrastructure for independent software vendors and software platforms so small businesses can get paid.checked 8 Oct 2026
The company
- Company
- WePay identifies itself as the integrated payments business of JPMorgan Chase.checked 9 Oct 2026
Where it runs
- Platform models
- WePay describes Clear, Link, and Core as options for platform payments integrations.checked 8 Oct 2026
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