Worthy gives you everything you need to accept payments online and in person: an optimized checkout, multi-processor routing that lifts approval, fraud tools that block the right transactions, and dispute automation that protects your margin.
Trusted by online retailers
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Worthy is built to increase conversion at every step of the payment flow, from the checkout form itself through routing, fraud screening, and recovery of payments that would otherwise be lost.
Checkout
Our prebuilt payment form gives customers a fast, familiar checkout that adapts to their device and surfaces the payment methods they actually use. Or build a fully custom experience with embedded elements and keep PCI scope minimal either way.
Fraud and risk
Risk screening runs on every transaction, scoring against device signals, behavioral patterns, and your own history. Tune the rules to your business rather than accepting a one-size-fits-all model that rejects your best customers alongside the bad ones.
Device fingerprinting and proxy detection
Custom rules with allow and block lists
Adaptive 3D Secure, applied only when it helps
Manual review queues for borderline orders
Acceptance
A transaction one acquirer declines, another often approves. Worthy routes each payment at the BIN level to the processor most likely to approve it, then retries soft declines on a secondary route without the customer ever seeing a failure.
BIN-level routing across every connected processor
Cascade Fallbacks retry declines on a second route
Network tokens keep saved cards fresh through reissues
Smart retry timing tuned to issuer behavior
Checkout
Our prebuilt payment form gives customers a fast, familiar checkout that adapts to their device and surfaces the payment methods they actually use. Or build a fully custom experience with embedded elements and keep PCI scope minimal either way.
Fraud and risk
Risk screening runs on every transaction, scoring against device signals, behavioral patterns, and your own history. Tune the rules to your business rather than accepting a one-size-fits-all model that rejects your best customers alongside the bad ones.
Device fingerprinting and proxy detection
Custom rules with allow and block lists
Adaptive 3D Secure, applied only when it helps
Manual review queues for borderline orders
Acceptance
A transaction one acquirer declines, another often approves. Worthy routes each payment at the BIN level to the processor most likely to approve it, then retries soft declines on a secondary route without the customer ever seeing a failure.
BIN-level routing across every connected processor
Cascade Fallbacks retry declines on a second route
Network tokens keep saved cards fresh through reissues
Smart retry timing tuned to issuer behavior
Plenty of legitimate online businesses get turned away by mainstream providers: subscription boxes with high refund rates, supplements, high-ticket goods, and models that simply do not fit an automated risk box. Worthy underwrites these directly, with people who read the business before deciding.
A person reads your business model, your history, and your chargeback profile before making a decision.
Multiple processor relationships mean one account issue does not take your storefront offline.
Higher dispute categories get evidence templates tuned to the reason codes your business actually sees.
Add new business models, reach customers on new channels, and connect the systems you already run, without stitching together another vendor each time.
If you sell memberships, replenishment, or subscription boxes, set up recurring plans with dunning and automatic card updates out of the box.
Explore recurringPop-ups, showrooms, and events run on the same platform as your storefront, so online and in-person sales land in one reporting view.
Explore retailConnect the tools that run your store: cart platform, inventory, shipping, accounting, and analytics, through pre-built apps or the open API.
Three representative engagements, drawn from the patterns we see most across the ecommerce book.
Challenge
Sitting on a single processor, the brand was losing a meaningful share of transactions to soft declines it had no visibility into and no way to retry.
Solution
Adding multi-processor routing with Cascade Fallbacks turned those soft declines into approvals on the same traffic, lifting authorization 3.4 points in the first quarter with no front-end changes.
Challenge
Monthly renewals were failing whenever a customer's card expired or reissued, and each failure quietly became a cancellation the team only noticed at month end.
Solution
Network tokens kept saved cards current through reissues, while retry timing tuned to issuer behavior recovered a significant share of failed renewals automatically.
Challenge
High average order values made every chargeback expensive, and the ops team was assembling evidence by hand across order records, shipping data, and support tickets.
Solution
Disputes now arrive in a structured queue with evidence pre-assembled from platform data. The team reviews and files rather than building each case from scratch.
average lift in card authorization vs single-processor
+0.0 pts
+0.0 pts
checkout completion on the optimized payment flow
0.0%
0.0%
dispute win rate on cases handled through Worthy
0.0%
0.0%
settlement to your account on eligible routes
T+0
T+0
Our payments specialists work through your funnel with you, from the checkout form to routing configuration to dispute workflow, so the optimizations are tuned to your order mix rather than a generic default.
If the help center didn't have your answer, here's how to get a real human on the line. The right channel depends on what you need.
Give customers a seamless experience across channels, including buy online and pick up in store, with one reporting view across every location.
Explore retail
Bill one-off or on a recurring basis, manage subscriptions, and reduce declines with recovery tools built for card-on-file volume.
Explore recurring
The team can benchmark your current authorization performance on the first call. Bring your last ninety days of transaction data and we will show you where the revenue is leaking.
