Worldpay for Platforms

What it is

Worldpay for Platforms is the current product name for what Payrix sold as embedded payments for software companies. payrix.com and platforms.worldpay.com serve the same site. The API and partner docs still call the stack Payrix Pro.

Payrix Pro’s glossary defines Worldpay for Platforms as a payment facilitator, and Payrix Pro as a PayFac-as-a-service platform: software companies can act as payment facilitators without taking on the associated risks, compliance burdens, and investment. In that model the software company is a partner. The facilitator (usually Worldpay for Platforms) assumes risk and underwriting.

FIS acquired Payrix in February 2022. In September 2022, FIS launched Worldpay for Platforms as a SaaS offering built on the Payrix platform plus Worldpay acquiring. Current product pages still use Worldpay for Platforms. A June 2026 blog on the same site refers to it as now Global Payments.

The solutions page sells three partnership models: referral payments, PayFac-as-a-Service, and PayFac developer.

Who it’s for

Three shapes, from Worldpay for Platforms’ own solutions page:

• Referral payments, where Worldpay sells, underwrites, onboards, bills, and brands the payments relationship. The software company integrates a payment application. Stated time to implementation is 0 to 1 month.
• PayFac-as-a-Service, where the software platform sells, supports, prices, contracts, and brands payments, and runs merchant billing and funding powered by Worldpay. Worldpay keeps underwriting, onboarding, risk, and compliance. Stated time to implementation is 2 to 4 months. Integration is a payment application plus out-of-the-box UI or custom development.
• PayFac developer, where the software company becomes a payments company: it owns underwriting, onboarding, risk and compliance, billing, pricing, and branding. Stated time to implementation is 9 to 12 months, with custom development and a full-scale payments team (risk, underwriting, AML, and compliance).

It is a fit for a vertical software company that wants a white-labeled payments program and Worldpay holding facilitator risk, with a documented option to become the registered PayFac later on Payrix Pro.

Standout details

• Partner start is sales-led. Docs say contact platform.sales@worldpay.com, scope a Statement of Work, get a sandbox and an account manager, then certify before a soft launch with beta merchants. The PayFac-as-a-Service page also offers a demo. Sandbox and production API base URLs are published for the United States (api.payrix.com) and Canada (api.payrixcanada.com). This is not a public self-serve live start.
• Merchant boarding can use hosted signup forms, the API, or bulk upload. After a portfolio is approved for automated underwriting, docs say a boarding-status response can return within 30 seconds. New clients start on manual underwriting. Instant Merchant Activation can let a merchant process (and, for a period, receive disbursements) while remaining checks finish. The homepage security section names underwriting automation, transaction fraud management, and PCI tooling, including Payrix Pro’s security suite and FraudSight.
• Hosted checkout is PayFrame (an all-in-one hosted form) or PayFields (iframe fields the platform styles). Both can tokenize, run a transaction, or both, and both list Apple Pay and Google Pay. Card-present uses Worldpay triPOS and a range of devices. Payment-method docs list cards (including PIN debit and FSA/HSA where eligible), US ACH eChecks, Canadian EFT, Apple Pay, and Google Pay.
• In the PayFac-as-a-Service and PayFac developer models, the platform sets merchant pricing. Fees can be fixed or a percentage, applied per merchant, per group, or per transaction. Docs describe net billing and statement (gross) billing, profit sharing, and fee types that include transaction fees and passing through interchange and processor costs. Worldpay for Platforms does not publish a public platform rate card. The brand-facts page says pricing is custom and quote-based. This listing does not repeat a rate card.
• Funding goes to a Payrix Pro available balance, then out by ACH withdrawal. Product pages list Standard, Next Day, Same Day, Everyday (weekends and holidays), and Fast Access (push to a debit card). Docs’ common setup is a 100% daily withdrawal. Card funds typically reach the available balance the next business day. eCheck funds typically take three to five business days to that balance. Same-day payouts need underwriting approval. Newly boarded merchants can have an initial funding delay of three to seven business days.
• The same Payrix Pro hierarchy supports partners (PFaaS under a facilitator) and facilitators (the licensed PayFac). Docs say a partner can sit under Worldpay for Platforms as facilitator, or under another facilitator that enables Payrix Pro. That is the stated path from outsourced facilitation to becoming the PayFac without swapping the payments platform.
• The Grow section lists adjacent products a platform can offer merchants: Working Capital (embedded lending; the product page says loans are issued by Celtic Bank), gift and loyalty, and text to pay. Those are Worldpay for Platforms products. They are not this page.
• PCI: docs say the Payrix Pro platform is listed on Visa’s Global Registry of Service Providers. An Attestation of Compliance is available through a Partner Experience manager under NDA. SaferPayments is sold as merchant PCI enrollment and scanning.
• The homepage states it is trusted by over one thousand software companies. Current product pages name Eyefinity, Reynolds and Reynolds, Storable, Horizon Cloud, Infinite Campus, Kangarootime, iClassPro, Caterease, fitDegree, RealGreen, and Runit Systems.

Sources: platforms.worldpay.com, payrix.com, Solutions, PayFac-as-a-Service, PayFac developer, Referral payments, Embedded payments, Payment API, Configurable fees, Flexible funding, eCommerce payments, In-person payments, Merchant portal, Working Capital, Brand facts, How Payrix Pro works, Get started with Payrix Pro, Overview of entities, Glossary, Partner onboarding, Overview of fees, Billing and profit sharing, Hosted payments, Payment methods, Automated underwriting, Transaction funding, PCI, Canadian partners, Payrix Pro docs hub, FIS acquires Payrix, Worldpay for Platforms launch, AU rebrand, Now Global Payments.

Honest verdict

Worldpay for Platforms is the listing to read when the job is PayFac-as-a-service on a large acquirer’s stack, with white-label boarding, configurable merchant fees, and a documented PayFac developer path on Payrix Pro. Worldpay is the facilitator in the PFaaS model. Public docs start with sales, a Statement of Work, and implementation. Live processing is not a public signup.

What it is not: a PayFac license you own the day you sign, or a published interchange-plus buy rate you can treat as yours. Platform pricing is quoted. If the job is payments revenue this quarter without a sales conversation, Connect is the simpler public path. If the job is a published buy rate with the vendor remaining the facilitator and no path to become the PayFac, Rainforest is the write-up that states that. If the job is residual economics you might own later as the licensed party, Finix is the other PayFac-as-a-service listing that states that path. If the job is Worldpay acquiring, a consultative ISV program, and PFaaS with a later PayFac option, start here.