PayPal Multiparty Payments vs Worldpay for Platforms

PayPal Multiparty Payments is a payment-processing offering within PayPal Complete Payments Platform for marketplaces and other platforms. It supports global seller onboarding subject to local regulations and compliance rules, with payment acceptance, partner fees, foreign exchange, payouts, and dispute and chargeback management. Checkout options include PayPal, Pay Later, Venmo in the US, alternative payment methods, and credit or debit cards. Expanded Checkout adds customizable branded card fields, while its fraud tools can be customized. Multiparty checkout uses the PayPal JavaScript SDK and supports client-side and server-side integration. The platform is available only to approved partners, though sandbox testing is available before approval; advanced card payments also require vetting and underwriting. Multi-merchant orders are limited to 10 purchase units, with a 20-second API response timeout. Platform fees are not supported for first-party integrations. 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.