One platform. Every payment.
The complete payment lifecycle \u2014 from collection to conversion to payout \u2014 through a single API integration.
Payment Orchestration
Every transaction finds its best path.
Your customers pay through 600+ PSPs and acquirers worldwide. WorldInPay’s orchestration engine routes each transaction to the provider most likely to approve it — based on geography, card type, BIN, decline history, and real-time acquirer performance.
When a transaction is declined, smart cascading automatically tries the next best route. No manual intervention. No lost revenue. The routing gets smarter with every transaction.
- ✓Smart routing by geography, card type, and acquirer performance
- ✓Automatic cascading on decline (up to 3 fallback routes)
- ✓Real-time performance-based acquirer scoring
- ✓Rule engine for custom routing logic
- ✓A/B testing for route optimization
- ✓Unified reporting across all connected PSPs
Multi-Currency Accounts
Hold, convert, and move money in 35+ currencies.
Virtual IBANs in major markets. Hold balances without forced FX conversion. Convert between currencies when the rate is right — not when the system demands it. Instant internal transfers between your own currency balances.
- ✓Virtual IBANs for GBP, EUR, USD, SGD, and more
- ✓Hold balances in 35+ currencies simultaneously
- ✓Real-time FX rates, updated every 60 seconds
- ✓No forced FX conversion — you decide when to convert
- ✓Instant transfers between your own currency wallets
- ✓Full reconciliation and reporting per currency
Stablecoin Bridge
Accept stablecoins. Settle in fiat.
Your treasury holds USDC or USDT. Your suppliers need local fiat. WorldInPay bridges the gap. Accept stablecoin payments, convert to local currency, and settle via local rails — with full regulatory backing.
This isn’t crypto speculation. It’s operational infrastructure for companies that already hold digital assets and need a compliant path to deploy them as real-world payments.
- ✓Accept USDC and USDT payments
- ✓Convert to 35+ local currencies at published rates
- ✓Stablecoin-funded payouts via local rails
- ✓Full regulatory compliance (not a gray area)
- ✓Treasury optimization — hold in stablecoin, convert at the point of payout
- ✓API-driven, fully programmable
Decline Recovery Suite
Every declined transaction is revenue walking out the door. We catch it.
When Acquirer A declines, we cascade to Acquirer B. When a card fails 3DS, we retry with open banking. When funds are insufficient, we retry at a lower amount. Our merchants recover an average of 14% of otherwise lost transactions.
That’s not a marketing claim — it’s what the data shows across $4.2B in processed volume.
- ✓Acquirer cascading (automatic failover to secondary PSPs)
- ✓Open banking retry (bypass card networks entirely)
- ✓Insufficient funds retry (lower amount, retry schedule)
- ✓3DS cascading (fallback authentication methods)
- ✓Smart retry timing (optimal retry windows based on decline reason)
Payout Network
Reach every market from one dashboard.
Pay suppliers, sellers, contractors, and partners in 100+ countries through local rails. Same-day settlement in major markets. Batch payouts for high-volume operations. Your recipients get paid in their local currency, through the channels they prefer — bank transfer, mobile money, or wallet.
- ✓100+ destination countries via local payment rails
- ✓Same-day settlement in 30+ major markets
- ✓Batch payouts (CSV upload or API-driven)
- ✓Multi-currency payouts from your held balances
- ✓Transparent, published payout fees (from $2 per payout)
- ✓Full payout tracking and reconciliation
Compliance Engine
Multi-jurisdiction compliance. Without multi-jurisdiction headaches.
Operating on behalf of your merchants across borders means Travel Rule compliance, beneficial ownership tracking, KYC/AML for every party in the chain, and licenses in every jurisdiction you touch. WorldInPay’s Compliance Engine absorbs this entire surface.
We hold the licenses. We manage the compliance. You focus on your product.
- ✓On-behalf-of (OBO) compliance management
- ✓Travel Rule compliance (FATF Recommendation 16)
- ✓KYC/AML for all transaction parties
- ✓Beneficial ownership tracking and reporting
- ✓Multi-jurisdiction licensing coverage
- ✓Regulatory change monitoring and automatic updates
Meet your buyers where they are
Four levels of integration depth \u2014 from no-code to full API.
Payment Links
Generate payment links from the dashboard. Share via email, SMS, or embed on any page. No code required.
Best for: Quick invoicing, one-off payments, testing new markets
Hosted Checkout
Redirect buyers to a WorldInPay-hosted checkout page. Fully branded.
Best for: E-commerce stores, subscription billing, fast launches
Platform Plugins
Pre-built plugins for Shopify, WooCommerce, Magento. Install and configure from your platform admin.
Best for: Existing e-commerce stores adding cross-border payment methods
Full API
Complete control over the payment experience. Build custom checkout flows, routing logic, and reconciliation.
Best for: Platform companies, marketplaces, fintechs