WorthyPayments is the payment service provider that flourishes in high-risk and welcomes low-risk businesses with the same infrastructure.
BUILT ON INFRASTRUCTURE THAT HAS EARNED
PCI DSS Level 1 Certified
3D Secure 2 Ready
200+ countries supported
Real human dispute support
SOC 2 Type II
Most processors play it "safe" by rejecting anything that looks complicated. We took the harder road: underwrite carefully, route smartly, manage disputes professionally, and stay with our merchants through the bumps.
Services & Pos
Agencies, consultants, B2B services, digital products.
A full toolkit for moving money, in motion
Every product, animated to show what it actually does. From the link you paste in a WhatsApp to the routing engine recovering a $1,500 transaction in a heartbeat.
Payment links
Payment links
Receiving payments is easier than you think.
Payout Invoice
$ 0.00
Pay • $ 1,530.38
Create a link, drop it in an email, WhatsApp, or SMS, and get paid. Notifications hit your dashboard the moment money arrives.
Smart routing
Smart routing
If one bank says no, we don't stop there.
Multi-acquirer routing automatically retries through alternative providers. Essential for high-risk where single-processor setups will eventually cost you a launch day.
Fraud prevention
Fraud prevention
Stop fraud without blocking real customers.
Intelligent risk scoring tuned for high-risk verticals, protecting revenue without over-blocking legitimate buyers.
When a fraudster is flagged at one merchant on the platform, anonymized signals are shared so other merchants are protected before checkout. One detection. Network-wide protection.
Block a card, email, device or IP once. The block is enforced at every processor and every checkout you run
We catch them by matching card hash, IP, device fingerprint, phone, and address.
Detect identity sharing, multi-device fraud rings, and refund abuse with severity scoring.
Resolve issues before they become chargebacks.
Merchants on the platform share confirmed fraud outcomes with each other, anonymously. Patterns one merchant would need months to spot surface in days
Stop card testing, BIN attacks, and velocity abuse from ever reaching the bank.
When fraud is confirmed at one merchant, the card hash, IP, device, phone and address are flagged across the network at once. Protection grows as the network grows.
Five strategies.
One approval engine.
Configure how transactions flow across acquirers and MIDs. Route by amount, BIN, issuer, country, or any custom condition. Cascade automatically on decline.
01
· Strategy
02
Failover
03
Load Balance
04
Round Robin
05
Least Cost
Primary
100% → MID-A
Send every transaction to one MID. The simplest setup, best when a single acquirer handles all of your volume.
Primary
100% → MID-A
Send every transaction to one MID. The simplest setup, best when a single acquirer handles all of your volume.
REST API with predictable resources, idempotency keys, and webhooks. Comprehensive documentation, OpenAPI spec, and SDKs for the languages your team already writes. Test mode, scoped keys, and HMAC-signed requests for safety.
// Charge a card with smart routing fallback
const wp = require('worthypayments')('sk_live_...');
const charge = await wp.charges.create({
amount: 28400, // $284.00 in cents
currency: 'usd',
source: 'tok_8k2x', // vault token
routing: 'failover', // auto-retry on decline
risk_check: 'enabled', // Risk-Worthy network
capture: true,
metadata: { order_id: 'ord_1029' }
});
// Webhook signature verification
const event = wp.webhooks.construct(
payload,
req.headers['wp-signature'],
'whsec-...'
);HMAC-signed requests
Tamper-evident webhooks with replay protection.
Scoped API keys
Read-only, write, restricted by resource. Rotate any time.
Webhooks & events
Subscribe to 40+ event types. Live test panel built in.
WooCommerce plugin
Drop-in for WordPress stores. Tested across versions.
Card data tokenized at the edge, end-to-end encryption in transit and at rest, role-based access control on every dashboard, and continuous monitoring for anomalies.
PCI DSS Level 1
The highest level of card-data security. Annual third-party audits. Tokenization keeps merchants out of scope.
3D Secure 2 ready
Frictionless 3DS step-up flows that reduce chargebacks without killing conversion.
SOC 2 Type II
Continuous controls audit on security, availability, processing integrity, confidentiality.
Continuous monitoring
Anomaly detection, automated alerts, real-time fraud signals across the Risk-Worthy network.
Multi-currency, multi-region, multi-acquirer. The same dashboard, the same SDK, across dozens of markets and currencies.
Countries
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Accept payments from customers in over 200 countries with localized checkout.
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Currencies
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Settlement
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Live monitoring
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The things we don't do are the reasons you stay.
We've watched too many merchants get blindsided by "safe" PSPs: accounts frozen mid-launch, funds held without explanation, no human to call when a chargeback dispute gets ugly. That's not what we do here.
Stability
No sudden holds.
No surprise closures.
If risk concerns come up, we talk first. Not freeze first. Real conversations before any change to your account, every time.
“
We work with you on remediation. That's the difference between a partner and a switch.
Support
Real humans.
On the phone.
Disputes need humans. Real ones. With phone numbers. When chargebacks get ugly (and they will, in high-risk), we're on the call with you.
“
Unlike systems that leave you alone with your problems, we are with you every step of the way
Transparency
Transparent pricing.
No buried fees.
Pricing is on the page. Not in a 40-page PDF. If something changes, you hear it from us first, clearly and in plain language.
“
What you see is what you pay. Forever.
Stability
No sudden holds.
No surprise closures.
If risk concerns come up, we talk first. Not freeze first. Real conversations before any change to your account, every time.
“
We work with you on remediation. That's the difference between a partner and a switch.
Support
Real humans.
On the phone.
Disputes need humans. Real ones. With phone numbers. When chargebacks get ugly (and they will, in high-risk), we're on the call with you.
“
Unlike systems that leave you alone with your problems, we are with you every step of the way
Transparency
Transparent pricing.
No buried fees.
Pricing is on the page. Not in a 40-page PDF. If something changes, you hear it from us first, clearly and in plain language.
“
What you see is what you pay. Forever.
Built by operators.
Written for operators.
Field-tested guides, practical playbooks, and deep technical writing for high-risk merchants and the engineering teams that support them.
ENGINEERING
8 MIN READ
A case study from inside the routing engine.
How cascade strategies and BIN-aware logic turn declines into approvals, with a real outage timeline.
GUIDE
15 MIN READ
What every CBD, supplement, and subscription business needs to know about underwriting, reserves, and chargeback ratios, written by people who've been on both sides.
COMPLIANCE
12 MIN READ
A practical breakdown of PCI scope reduction, vault tokenization, and how to architect a checkout that keeps your team out of the audit hot seat.
ENGINEERING
8 MIN READ
A case study from inside the routing engine.
How cascade strategies and BIN-aware logic turn declines into approvals, with a real outage timeline.
GUIDE
15 MIN READ
What every CBD, supplement, and subscription business needs to know about underwriting, reserves, and chargeback ratios, written by people who've been on both sides.
COMPLIANCE
12 MIN READ
A practical breakdown of PCI scope reduction, vault tokenization, and how to architect a checkout that keeps your team out of the audit hot seat.
WorthyPaymentsFrom the moment your customer hits Pay to the day funds land in your bank, this is the path money takes through our infrastructure, in detail. Built for predictability, transparency, and speed.
Customer submits card on a hosted page or in-context element. Card data is tokenized by the vault before it ever reaches your server.
~50 ms
Cross-merchant fraud signals checked in real time. Card hash, IP, device, and velocity scored against the network. Round Table consensus, Cascade Detection.
~80 ms
Routing engine picks the optimal acquirer based on amount, BIN, country, and your custom rules. Cascade fallback chain pre-armed for retries.
<5 ms
Acquirer forwards to the issuing bank. Approve, decline, or 3D Secure step-up. On decline, the cascade auto-retries through alternate acquirers.
~200 ms
Funds captured. Settlement to your WorthyPayments balance happens the next business day. Reserves, fees, and refunds netted in real time.
Money lands in your bank via ACH or wire on your chosen schedule: daily, weekly, or on demand. Track every leg of the trip in the dashboard.
Every transaction is logged, signed, and traceable. From the first auth attempt through settlement and payout - full reconciliation, exportable reports, and webhooks at every state change.
<0ms
END-TO-END AUTH
0.00%
PLATFORM UPTIME
0+
WEBHOOK EVENTS
Plays nicely with your stack
WorthyPayments fits into the tools your team already uses, from headless e-commerce to CRM, accounting, and automation. Drop-in plugins, webhooks, and a clean REST API.
WooCommerce
WordPress storefront plugin
Magento
Adobe Commerce extension
OpenCart
Open-source storefront
BigCommerce
Native checkout module
Don't see your tool?
Our REST API and webhook system make it easy to connect anything that speaks HTTP.
SDKs available for Node.js, Python, PHP, Ruby, and Go.
Whether you're high-risk and tired of being treated like a problem, or low-risk and tired of being treated like a number, let's talk about what you're building.
