DreamPay vs Worldpay for Platforms

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.

Worldpay for Platforms provides embedded payment and financial technology for software platforms through web and API offerings. Its three models are Integrated Payments, PayFac-as-a-Service Pro, and PayFac Developer. Integrated Payments lets a platform refer customers while Global Payments handles onboarding, underwriting, risk, compliance, and servicing. PayFac-as-a-Service Pro supplies pre-built infrastructure for a white-labeled payments experience, with Global Payments supporting underwriting and compliance. PayFac Developer gives the platform control over onboarding and merchant support, plus configurable underwriting and risk models. Listed capabilities include global payment acceptance, flexible payouts, split payments, advanced KYC/AML tools, and full account management. PayFac Developer also includes fraud, risk, and compliance tools, reporting, analytics, and direct data access. APIs are offered for Referral Payments, PayFac-as-a-Service, and PayFac Developer. SaferPayments adds PCI support, quarterly external vulnerability scanning, compliance reminders, breach support, and 24/7 merchant support. Pricing is paid and available on request.