DeloPay vs Worldpay eProtect

DeloPay is a payment orchestration platform that connects payment providers and routes transactions to a selected provider. Smart Routing chooses providers using cost, recent success rate, capability matching, and business rules. Merchants can use a hosted iFrame checkout for card input, 3-D Secure, wallets, and crypto; create payment links; use a WooCommerce plugin; or integrate through the REST API. DeloPay lists integrations including Stripe, PayPal, Airwallex, Klarna, Creem, e-Payouts, NomuPay, Cryptomus, and NOWPayments. It offers JavaScript/TypeScript and Java SDKs, while native mobile SDKs are on the roadmap. Subscriptions can be created, paused, resumed, and cancelled through one API when billed through a billing-capable connector such as Stripe Billing or PayPal. Listed rates are 4.00% per transaction for Starter, 3.50% for Growth, 3.25% for Scale, 2.75% for High volume, and 2.25% for Power; there is no monthly plan or setup fee. A free trial is offered, but no free plan is listed.

Worldpay eProtect handles card-not-present payments by replacing card details with a low-value Registration ID, which Worldpay can exchange for an OmniToken during authorization, a sale, or token registration. The cloud service is available through an iFrame, the JavaScript Customer Browser API, or a Mobile API, with platforms listed as Android, iOS, web, and API. Worldpay says card data does not pass through the merchant’s web server and that eProtect reduces applicable PCI controls. The iFrame hosts card number, expiration, and CVV2 fields in Worldpay’s PCI-compliant environment; JavaScript validates and encrypts the account number before sending it to Worldpay. The resulting token may support card-on-file payments, returns, and recurring billing. The guide covers Apple Pay, Apple Pay on the Web, Google Pay, and Visa Checkout. Before production use, an organization must be enabled and certified to process OmniTokens, obtain a PayPage ID, and complete certification testing. The token exchange does not check CVV or AVS and does not validate expiration dates. Pricing is on request.