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WePay

WePay provides payment infrastructure for independent software vendors and software platforms that help small businesses get paid.

Place
#13 of 28
Score
6.4

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.

All about pricing
PlanPriceWhat it gives you
Link StandardPriced on request2.9% + 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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