WebPays

What is WebPays

WebPays is a financial technology company that provides payment processing solutions specifically for high-risk businesses. Its core purpose is to enable merchants in industries that are often rejected by traditional banks and payment processors to accept online payments securely. These industries include online gaming, forex trading, e-commerce, travel, and more. WebPays offers services like high-risk merchant accounts, offshore merchant accounts, and payment gateway integration. The company focuses on providing a secure and reliable platform that supports global transactions, multiple currencies, and various payment methods. This allows businesses to operate internationally and manage payments without the typical restrictions they face.

WebPays Features

WebPays offers a range of features designed for the needs of high-risk merchants.

• High-Risk Merchant Accounts: Specialized accounts for businesses in industries considered high-risk, ensuring stable payment processing.
• Offshore Merchant Accounts: Allows businesses to process payments from a global customer base, helping to navigate international regulations and expand market reach.
• Industry-Specific Solutions: Provides tailored payment solutions for specific sectors like gaming, forex, and eCommerce, addressing their unique challenges.
• Global Payment Acceptance: Merchants can accept payments from customers worldwide in various currencies, which simplifies the checkout process for international buyers.
• Credit Card Processing: Supports all major credit card networks, allowing customers to pay using their preferred method securely.
• Customizable Checkout: Offers the ability to brand the checkout platform, providing a consistent and familiar payment experience for customers.
• Broad CMS Integration: Integrates easily with popular platforms like Magento, WooCommerce, Prestashop, and WordPress without requiring coding knowledge.
• Robust Security: The platform is PCI-DSS certified and includes 3D Secure authentication to protect against fraud and secure customer data.
• Dedicated Account Manager: Each merchant is assigned a dedicated manager available 24/7 for support with payment processing issues and conversion optimization.

WebPays Pricing Plans

WebPays operates with a customized pricing model, which is common for high-risk payment processors. Instead of fixed public pricing tiers, they provide a tailored quote to each merchant. The pricing depends on several factors, including the specific industry, the business's transaction history, the average transaction volume, the perceived level of risk, and the countries of operation. The fee structure typically includes a setup fee, a per-transaction percentage fee, a fixed transaction fee, and potential monthly fees or chargeback fees. To get a price quote, businesses must contact the WebPays sales team and go through an application and underwriting process.

WebPays Free Plan

WebPays does not offer a free plan for its merchant services. High-risk payment processing involves significant risk assessment and setup, which makes a free tier impractical. There is also no mention of a free trial period. Businesses interested in using WebPays must apply for a merchant account and, upon approval, will be subject to the agreed-upon fees and rates. The initial step is to contact their team to discuss business needs and begin the application process.

How to use WebPays

Getting started with WebPays involves a straightforward application and integration process.

1. Contact and Apply: The first step is to get in touch with the WebPays team through their website. You will need to fill out an enquiry form with details about your business.
2. Underwriting Process: You will be asked to submit necessary documents for the underwriting process. This includes business registration details, bank statements, and information about your website and business model.
3. Account Approval: Once the underwriting team reviews and approves your application, you will be provided with your high-risk merchant account details.
4. Integrate the Payment Gateway: WebPays provides plugins for popular CMS and e-commerce platforms like WooCommerce, Magento, and Prestashop. You can install the relevant plugin on your website to integrate the payment gateway. For custom websites, you can use their API.
5. Configure and Go Live: After integration, you can configure the payment settings, such as accepted currencies and payment methods. Once everything is set up, you can start accepting secure online payments from your customers.

Pros and Cons of WebPays

Pros:

• Specializes in High-Risk: Accepts merchants from industries that are typically declined by standard processors.
• Global Reach: Offers offshore accounts and multi-currency support, which is ideal for international businesses.
• Strong Security: Features like PCI-DSS compliance and 3D Secure help protect merchants from fraud.
• Dedicated Support: Provides a dedicated account manager for personalized assistance.
• Easy Integration: Offers ready-made plugins for major e-commerce platforms.

Cons:

• Lack of Transparent Pricing: Pricing is quote-based, so you cannot see the costs without contacting them.
• Potentially Higher Fees: High-risk processing generally comes with higher transaction fees compared to low-risk processors.
• Lengthy Application Process: The underwriting and approval process can take time due to the detailed checks required.

WebPays Integrations

WebPays provides integrations with many leading Content Management Systems (CMS) and e-commerce platforms to ensure a smooth setup process. These integrations are typically handled through pre-built plugins that do not require coding experience.

• Magento
• Prestashop
• Opencart
• OS Commerce
• WordPress
• WooCommerce
• Zen-Cart
• WHMCS

For custom platforms, WebPays also provides an API for direct integration.

WebPays Alternatives

• PaymentCloud: A merchant service provider known for its excellent customer support and ability to place businesses in hard-to-approve industries. They work with a network of banks to find a match for high-risk merchants.
• Durango Merchant Services: With over two decades of experience, Durango specializes in high-risk and offshore merchant accounts. They offer a wide range of services, including e-check processing and chargeback protection.
• PayKings: Focuses exclusively on high-risk merchant accounts for various industries. They are known for a streamlined application process and reliable payment solutions.
• Authorize.Net: While a more general payment gateway, Authorize.Net can support some high-risk businesses through its vast network of reseller partners. It is a well-established name with robust features.

WebPays API

Yes, WebPays provides a developer API for businesses that need to create a custom integration with their website or application. The API allows for more control over the payment process and user experience. To access the API documentation and obtain API keys, a business must first be approved for a merchant account. Once the account is active, the dedicated account manager will provide the necessary credentials and technical documentation.

An example of a basic API call to create a payment might look like this (this is a generic example):

{
  "api_key": "your_api_key",
  "secret_key": "your_secret_key",
  "order_id": "ORD12345",
  "amount": "99.99",
  "currency": "USD",
  "customer_details": {
    "name": "John Doe",
    "email": "john.doe@example.com"
  },
  "redirect_url": "https://yourwebsite.com/payment/success"
}

Developers should refer to the official documentation provided by WebPays for accurate implementation details.

WebPays Affiliate Program

There is no publicly available information on the WebPays website regarding a formal affiliate or referral program. Companies in the high-risk payment sector often manage partnerships on a case-by-case basis. If you are interested in becoming a partner or promoting their services, it is best to contact their support or sales team directly. You can inquire about potential partnership opportunities, referral fees, or becoming an influencer for their brand.