Worthy for enterprises

Build the next era of your payment operations

Large businesses use Worthy to consolidate every acquirer onto one platform, lift authorization across markets, and give finance, risk, and engineering a single control surface for the entire transaction lifecycle.

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Trusted by enterprise teams

  • Northwind
  • Meridian
  • Apex Group
  • Vertex
  • Continental
  • Ironclad

Multi-processor payments

Consolidate every acquirer behind one integration, with BIN-level routing and clean failover when a route degrades.

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Financial operations

Reconcile end to end across every processor, surface variances automatically, and close the books on a schedule you control.

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Net terms, done right

Role-based access, full audit trail, and the compliance evidence your security and procurement teams will ask for.

Payments

Consolidate every acquirer behind one integration

Enterprises rarely have a processor problem. They have a fragmentation problem: several acquirers, several reporting formats, and no single place to see what any of it is doing.

+3.4 pts

Higher authorization at enterprise volume

BIN-level decisioning routes each transaction to the acquirer most likely to approve it, evaluated against live processor performance rather than a static configuration. At enterprise volume, a few points of uplift is a material revenue line.

    8

    Processor connections in a single routing profile

    Add acquirers without re-integrating. Redundancy means one processor outage does not become your outage, and commercial leverage improves when moving volume between providers is a configuration change rather than a project.

      Cascade Fallbacks
      Smart routing dashboard

      +3.4 pts

      Higher authorization at enterprise volume

      BIN-level decisioning routes each transaction to the acquirer most likely to approve it, evaluated against live processor performance rather than a static configuration. At enterprise volume, a few points of uplift is a material revenue line.

        8

        Processor connections in a single routing profile

        Add acquirers without re-integrating. Redundancy means one processor outage does not become your outage, and commercial leverage improves when moving volume between providers is a configuration change rather than a project.

          Cascade Fallbacks
          Smart routing dashboard

          Financial operations

          Close the books across every acquirer

          Move the back office forward by removing the manual work between what the processor reports, what the bank deposited, and what your ledger says.

          End to end

          Reconciliation across every processor

          Match settlement to bank deposit to gateway transaction in one workflow, with variances surfaced automatically and attributed to a source. Finance stops reconciling by spreadsheet and gets a live view of cash position.

            Reconciliation

            72.4%

            Dispute win rates that hold at scale

            Every chargeback lands in a structured queue with issuer-specific evidence already drafted from platform data. Legal, operations, and finance work the same case with the same status instead of three parallel threads.

              Disputes dashboard

              End to end

              Reconciliation across every processor

              Match settlement to bank deposit to gateway transaction in one workflow, with variances surfaced automatically and attributed to a source. Finance stops reconciling by spreadsheet and gets a live view of cash position.

                Reconciliation

                72.4%

                Dispute win rates that hold at scale

                Every chargeback lands in a structured queue with issuer-specific evidence already drafted from platform data. Legal, operations, and finance work the same case with the same status instead of three parallel threads.

                  Disputes dashboard

                  Authorization optimization

                  Four levers behind every point of uplift

                  Authorization performance is not one setting. It is the compound effect of routing, card lifecycle, retry behavior, and how you handle authentication.

                  Card lifecycle management

                  Network tokens and automatic account updates keep cards on file current through expirations and reissues, so stored-credential volume keeps approving without customer involvement.

                  Smart routing and recovery

                  Route by BIN, amount, and live processor health, then retry soft declines on an alternate route with timing tuned to issuer behavior rather than a fixed interval.

                  Cost-aware decisioning

                  Balance approval likelihood against processing cost on every transaction, so the cheapest route is chosen when performance is equivalent and the strongest route when it is not.

                  Adaptive authentication

                  Apply 3D Secure only where it improves the outcome, keeping friction off the transactions that would have approved cleanly without it.

                  Governance and control

                  Infrastructure that meets your procurement bar

                  Uptime, security, access control, and audit evidence. The dimensions enterprise teams actually evaluate before capability enters the conversation.

                  • platform uptime, trailing twelve months

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                  • Service Provider certification, audited annually

                    PCI L0

                    PCI L0

                  • SAML, role-based access, and IP allowlisting on every surface

                    SSO

                    SSO

                  • audit trail on every action, operator, and routing decision

                    Full

                    Full

                  Working with Worthy

                  People, not a support queue

                  Enterprise engagements come with named humans who know your integration, from evaluation through the first sixty days of production traffic and beyond.

                  Named account management

                  A technical account manager who knows how you are integrated and engages proactively rather than waiting for a ticket to arrive.

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                  Implementation support

                  Our payments engineers work alongside your team through integration, migration, and cutover, including the parts that touch your ERP.

                  Use Worthy with your systems

                  Connectors for the ERP, warehouse, and CRM systems you already run, plus an open API when you need something we have not built yet.

                  Use cases

                  Explore Worthy for enterprises like yours

                  Multi-brand groups

                  One platform account, many brands, each with its own processing profile and reporting. Roll up to a group view or drill into a single banner.

                  Regulated payment flows

                  Insurance, healthcare, and government contracting, with custom retention windows and audit-ready evidence on every transaction.

                  Subscription at scale

                  Large recurring books where renewal authorization and involuntary churn are measured in basis points and matter enormously.

                  US market expansion

                  International businesses moving volume into the US get local acquiring, dedicated risk review, and an operations team in your working hours.

                  Wholesale and distribution

                  Large-ticket B2B volume where ACH reliability and Level 2 and 3 interchange savings drive the business case on their own.

                  Omnichannel commerce

                  Storefronts, online, and mobile unified behind one integration with a single reporting view across every location and channel.

                  Get customized recommendations and pricing

                  Enterprise engagements are scoped, not quoted from a rate card. Speak with our team about a package built around your volume, your markets, and the systems you already run.

                  • Interchange plus pricing

                  • Custom uptime commitments

                  • Volume-based rates

                  • Named account management

                  • Multi-processor discounts

                  • Implementation services

                  • Dedicated processing capacity

                  • Custom compliance frameworks

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                  WORTHY FOR ENTERPRISES

                  Ready to see Worthy at enterprise scale

                  Enterprise engagements include named account management from the first conversation. Tell us what you are running today and where you want to be in twelve months.

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