WePay
What it is
WePay provides payments infrastructure for independent software vendors and software platforms that help small businesses get paid. Its flow covers merchant onboarding, payment processing and withdrawals to bank accounts. Platforms can choose Clear, Link or Core integrations; Link supports iframe or custom payment interfaces, hosted onboarding and identity-check interfaces, and tokenization for cards, bank accounts and digital wallets. A custom checkout can let a platform present its own branded experience. The Merchant Center handles onboarding, transactions, reporting, chargebacks and user access. 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 need an account through a platform partner, since direct integration is not supported. Availability in the U.S. and Canada depends on the partner. Pricing is on request; Link Standard is listed as currently closed beta.
For and against
For
- Supports merchant onboarding, processing and withdrawals.
- Offers Clear, Link and Core integrations.
- Merchant Center includes reporting and chargeback tools.
- Same-day deposits are described as available.
Against
- Merchants generally need a platform partner account.
- U.S. and Canada availability varies by partner.
- Link is currently closed beta.
- Pricing is available on request.
The verdict
WePay offers platform-oriented payment infrastructure, with multiple integration approaches and merchant management tools. Direct merchant integration is not supported, and Link is listed as closed beta.
Who it suits
It suits software platforms and independent software vendors building payment acceptance and merchant onboarding into their offerings.
Plans and prices
Link Standard
2.9% + 25¢ (card not present) · 2.6% + 10¢ (card present) · $0 chargeback fee · currently closed beta
Read 9 Oct 2026 · dev.wepay.com
On the record
- API
- WePay offers APIs for platforms to onboard merchants and process payments on their behalf.developer.wepay.com · read 9 Oct 2026
- API access
- API access is granted after registering an application, and WePay recommends testing in its stage environment before production access.developer.wepay.com · read 8 Oct 2026
- Availability
- The Link offering is described as being in closed beta.dev.wepay.com · read 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.support.wepay.com · read 8 Oct 2026
- Checkout
- WePay offers a custom checkout flow that tokenizes card details so a platform can provide its own branded checkout experience.developer.wepay.com · read 8 Oct 2026
- Company
- WePay identifies itself as the integrated payments business of JPMorgan Chase.support.wepay.com · read 9 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.support.wepay.com · read 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.support.wepay.com · read 9 Oct 2026
- Merchant tools
- Link provides a Chase-branded merchant center with reporting tools for merchants.dev.wepay.com · read 9 Oct 2026
- Onboarding and processing
- Its platform flow includes merchant onboarding, payment processing, and withdrawals to users’ bank accounts.developer.wepay.com · read 8 Oct 2026
- Payment experience
- Link supports iframe or custom payment UIs and hosted merchant onboarding and KYC/CIP UIs.dev.wepay.com · read 9 Oct 2026
- Payments flow
- The developer documentation describes merchant onboarding, payment processing, and withdrawals to users’ bank accounts.developer.wepay.com · read 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.go.wepay.com · read 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.dev.wepay.com · read 9 Oct 2026
- Platform models
- WePay describes Clear, Link, and Core as options for platform payments integrations.go.wepay.com · read 8 Oct 2026
- Product
- WePay provides payment infrastructure for software platforms and independent software vendors.support.wepay.com · read 9 Oct 2026
- SDKs
- The developer documentation lists SDKs for PHP, Ruby, Python, NodeJS, Java, iOS, and Android.developer.wepay.com · read 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.developer.wepay.com · read 9 Oct 2026
