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SPECIFICTION
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WePay

wepay.com

WebiOSAndroidAPI
Visit wepay.com
Spec score 7.4 #19 of 28 in Marketplace Payment Platforms

What it is

WePay provides payment infrastructure for independent software vendors and software platforms that help small businesses get paid. Its payment flow covers merchant onboarding, 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 flows, and tokenization for card, bank account, and digital wallet information. A custom checkout can also support a platform’s branded payment 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 carry no additional cost for the platform. It supports most domestic and international cards with Visa, Mastercard, American Express, Discover, JCB, or Diners Club logos. Merchants generally open accounts through a platform partner, not through direct integration. Availability in the U.S. and Canada varies by partner. Link is described as being in closed beta, and pricing is available on request.

Spec sheet

What it does
WePay provides payments infrastructure for independent software vendors and software platforms so small businesses can get paid.Read 8 Oct 2026 · support.wepay.com
Product
WePay provides payment infrastructure for software platforms and independent software vendors.Read 9 Oct 2026 · support.wepay.com
API
WePay offers APIs for platforms to onboard merchants and process payments on their behalf.Read 9 Oct 2026 · developer.wepay.com
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.Read 9 Oct 2026 · developer.wepay.com
Support
The help article lists WePay Support hours as Monday through Friday, 9:00 AM to 9:00 PM EST.Read 8 Oct 2026 · support.wepay.com
Company
WePay identifies itself as the integrated payments business of JPMorgan Chase.Read 9 Oct 2026 · support.wepay.com
API access
API access is granted after registering an application, and WePay recommends testing in its stage environment before production access.Read 8 Oct 2026 · developer.wepay.com
Availability
The Link offering is described as being in closed beta.Read 9 Oct 2026 · dev.wepay.com
Card support
WePay says it supports most domestic and international cards bearing Visa, Mastercard, American Express, Discover, JCB, or Diners Club logos.Read 8 Oct 2026 · support.wepay.com
Checkout
WePay offers a custom checkout flow that tokenizes card details so a platform can provide its own branded checkout experience.Read 8 Oct 2026 · developer.wepay.com
Geographic availability
Merchant support in the U.S. and Canada varies by partner platform, so merchants are directed to confirm availability with their platform.Read 8 Oct 2026 · support.wepay.com
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.Read 9 Oct 2026 · support.wepay.com
Merchant tools
Link provides a Chase-branded merchant center with reporting tools for merchants.Read 9 Oct 2026 · dev.wepay.com
Onboarding and processing
Its platform flow includes merchant onboarding, payment processing, and withdrawals to users’ bank accounts.Read 8 Oct 2026 · developer.wepay.com
Payment experience
Link supports iframe or custom payment UIs and hosted merchant onboarding and KYC/CIP UIs.Read 9 Oct 2026 · dev.wepay.com
Payments flow
The developer documentation describes merchant onboarding, payment processing, and withdrawals to users’ bank accounts.Read 9 Oct 2026 · developer.wepay.com
Payouts
WePay describes flexible payouts and same-day deposits, with no additional cost for the platform when depositing to a Chase bank account.Read 8 Oct 2026 · go.wepay.com
PCI requirements
For Link, the stated PCI burden is SAQ-A with a credit-card iframe and SAQ-A-EP with JS tokenization.Read 9 Oct 2026 · dev.wepay.com
Platform models
WePay describes Clear, Link, and Core as options for platform payments integrations.Read 8 Oct 2026 · go.wepay.com
SDKs
The developer documentation lists SDKs for PHP, Ruby, Python, NodeJS, Java, iOS, and Android.Read 9 Oct 2026 · developer.wepay.com
Tokenization
WePay’s JavaScript libraries tokenize payment information including cards, bank accounts, and digital wallet payments.Read 9 Oct 2026 · developer.wepay.com

Plans and prices

Link Standard Priced on request 2.9% + 25¢ (card not present) · 2.6% + 10¢ (card present) · $0 chargeback fee · currently closed beta Read 9 Oct 2026 · dev.wepay.com

Every WePay plan and price →

Strong points and limits

Strong points

  • Supports merchant onboarding, processing, and withdrawals
  • Offers Clear, Link, and Core integration options
  • Merchant Center includes reporting and chargebacks
  • Flexible payouts and same-day deposits are described
  • SDKs cover PHP, Ruby, Python, NodeJS, Java, iOS, and Android

Limits

  • Link is currently in closed beta
  • Merchants generally need a platform partner
  • U.S. and Canada availability varies by partner
  • Pricing is available on request

Who it suits

WePay suits software platforms and independent software vendors that need to onboard merchants and process payments through an integrated platform flow. Merchants generally need to work through a WePay platform partner.

Verdict

WePay is built around payments embedded in software platforms, with merchant management tools, multiple integration options, and payout capabilities. Confirm partner availability and Link’s beta status before planning around that offering.

Where Specifiction places it

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