DreamPay vs J.P. Morgan Embedded Payments
DreamPay
dreampayments.comJ.P. Morgan Embedded Payments
developer.payments.jpmorgan.comSide by side
| Figure | DreamPay | J.P. Morgan Embedded Payments |
|---|---|---|
| Price from | — | — |
| Free plan | — | — |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | — |
| iOS | Yes | — |
| Android | Yes | — |
| API | Yes | Yes |
| Plans published | 0 | 1 |
| Spec score · Embedded Payments Platforms | 7.7 (#10) | 7.2 (#21) |
| Headquarters | Dream Payments lists its address as 201-171 East Liberty Street, Toronto, Ontario, M6K 3P6. | New York City, New York, United States |
| Intended users | Dream describes its solutions for banks, insurers, software platforms, marketplaces, and large enterprises. | The overview describes the APIs as designed for platforms that want to integrate account management and payout services into an existing platform. |
| Payout methods | Payout methods listed include ACH, EFT, real-time payments, virtual cards, Interac e-Transfer, and cheques. | Documented payout methods include ACH, wire, RTP, FXACH, FXWIRE, and Push to Card; RTP and Push to Card are listed as immediate settlement methods. |
| Support | The company invites prospective customers to schedule a demo or contact its team for integration support. | The product page directs customers to their integration specialist or relationship manager for help and to sales if they are unsure which product fits. |
Plans
J.P. Morgan Embedded Payments
- J.P. Morgan Embedded PaymentsPriced on request
In their own words
DreamPay
DreamPay provides embedded and private-label payment solutions for merchant acquirers, software platforms, insurers, financial institutions, and marketplaces. Clients can add inbound and outbound digital and mobile payments within their core applications, and the company also offers point-of-sale solutions for in-person payments. Online payments can be one-time or recurring, by credit or debit card or by bank transfer through ACH in the US and EFT in Canada. Checkout options include hosted payment pages, embedded checkout, and one-click payments with stored cards. Payout methods include ACH, EFT, real-time payments, virtual cards, Interac e-Transfer, and cheques. A dashboard tracks transaction volume, success rates, revenue, refunds, and chargebacks. Its APIs support payment data integration and webhook notifications for payment outcomes and status changes. Dream says its platform follows PCI DSS and SOC 2 standards, uses end-to-end encryption for transactions and payouts, and includes KYC and AML tools; its security page also lists GDPR compliance. A zero-fee option passes processing fees to customers using a flat or percentage-based fee. Pricing is on request.
J.P. Morgan Embedded Payments
J.P. Morgan Embedded Payments has no write-up on Specifiction yet; its figures are above.