{"id":347,"date":"2025-03-19T13:40:53","date_gmt":"2025-03-19T13:40:53","guid":{"rendered":"https:\/\/platforms.worldpay.com\/en\/?page_id=347"},"modified":"2025-03-26T20:45:55","modified_gmt":"2025-03-26T20:45:55","slug":"get-educated","status":"publish","type":"page","link":"https:\/\/platforms.worldpay.com\/en\/get-educated\/","title":{"rendered":"Get educated"},"content":{"rendered":"\n<div class=\"wp-block-custom-container bg-transparent mt-0 mb-0 pt-24 pb-24\"><div class=\"container\"><div class=\"columns-block max-w-2000\" id=\"columns-block_94eae9000c22f9f50c4b129eca61f821\">\n    <div class=\"flex flex-wrap columns-block-container -mx-5 -mt-12 justify-start\">\n<div class=\"column-block flex flex-col mt-12 px-5  w-full md:w-full lg:w-1\/2 xl:w-1\/2\"\n    id=\"column-block_4afa62ea205d634daaa3e7a0cac23131\" >\n    <div class=\"flex flex-col flex-grow rounded-xl relative  bg-transparent items-start justify-start\">\n\n<h1 class=\"wp-block-heading mb-0\" id=\"h-new-to-embedded-payments-we-can-help\">New to Embedded Payments? <br>We can help.<\/h1>\n\n\n\n<p class=\"has-2-xl-font-size\">Whether you\u2019re new to Embedded Payments, or have dreams to become a full payment facilitator, we\u2019re here to give you expert guidance to find the right solution.<\/p>\n\n<\/div>\n<\/div>\n\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-custom-container bg-purple-200 mt-0 mb-0 pt-12 pb-12\"><div class=\"container\">\n<h2 class=\"wp-block-heading mb-0\" id=\"h-explore-this-section\">Explore this section<\/h2>\n\n\n<div class=\"columns-block mt-12 max-w-2000\" id=\"columns-block_2869d17711eca12d3b084de01c071411\">\n    <div class=\"flex flex-wrap columns-block-container -mx-5 -mt-12 justify-start\">\n<div class=\"column-block flex flex-col mt-12 px-5  w-full md:w-full lg:w-1\/2 xl:w-1\/2\"\n    id=\"column-block_4afa62ea205d634daaa3e7a0cac23131\" >\n    <div class=\"flex flex-col flex-grow rounded-xl relative  bg-transparent items-start justify-start\">\n\n<ul class=\"wp-block-list is-style-purple-tickbox\">\n<li><a href=\"#integrated-payments-101\">Common Business Models<\/a><\/li>\n\n\n\n<li><a href=\"#what-is-payment-software\">What is Payment Software?<\/a><a href=\"https:\/\/platforms.worldpay.com\/en\/get-educated#getting-compliant\"><\/a><\/li>\n\n\n\n<li><a href=\"#api-documentation-101\">API Documentation 101<\/a><a href=\"https:\/\/platforms.worldpay.com\/en\/get-educated#a-closer-look-at-onboarding-merchants\"><\/a><\/li>\n<\/ul>\n\n<\/div>\n<\/div>\n\n\n<div class=\"column-block flex flex-col mt-12 px-5  w-full md:w-full lg:w-1\/2 xl:w-1\/2\"\n    id=\"column-block_4afa62ea205d634daaa3e7a0cac23131\" >\n    <div class=\"flex flex-col flex-grow rounded-xl relative  bg-transparent items-start justify-start\">\n\n<ul class=\"wp-block-list is-style-purple-tickbox\">\n<li><a href=\"#take-your-software-platform-to-new-heights\">Integrate, Transform, Grow<\/a><a href=\"https:\/\/platforms.worldpay.com\/en\/get-educated#what-is-payment-software\"><\/a><\/li>\n\n\n\n<li><a href=\"#getting-compliant\">Getting Compliant<\/a><a href=\"https:\/\/platforms.worldpay.com\/en\/get-educated#api-documentation-101\"><\/a><\/li>\n\n\n\n<li><a href=\"#a-closer-look-at-onboarding-merchants\">A Closer Look at Managing Sub-Merchants<\/a><a href=\"https:\/\/platforms.worldpay.com\/en\/get-educated#maximising-your-roi\"><\/a><\/li>\n<\/ul>\n\n<\/div>\n<\/div>\n\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-custom-container bg-transparent mt-0 mb-0 pt-12 pb-12\" id=\"integrated-payments-101\"><div class=\"container\"><div class=\"columns-block max-w-2000\" id=\"columns-block_94eae9000c22f9f50c4b129eca61f821\">\n    <div class=\"flex flex-wrap columns-block-container -mx-5 -mt-12 justify-start\">\n<div class=\"column-block flex flex-col mt-12 px-5  w-full md:w-full lg:w-3\/4 xl:w-3\/4\"\n    id=\"column-block_17ac1b47ecfba0e55c678cd195756939\" >\n    <div class=\"flex flex-col flex-grow rounded-xl relative  bg-transparent items-start justify-start\">\n\n<p class=\"is-style-label-black\">EMBEDDED PAYMENTS 101<\/p>\n\n\n\n<h2 class=\"wp-block-heading mb-0\" id=\"h-common-business-models-for-managing-payments\">Common business models for managing payments<\/h2>\n\n\n\n<p>Payments in our industry refer to payment processing \u2014 the ability for businesses to accept direct debit, BPAY, credit and debit card payments from their customers.<\/p>\n\n\n\n<p>Here are some of the most popular models for a software company that wants to embed payments:<\/p>\n\n<\/div>\n<\/div>\n\n<\/div>\n<\/div>\n\n\n<div class=\"faqs-block\">\n<div class=\"faq-block pb-8 border-b\" id=\"faq-block_3fa6dfe34a8389bc5808c01801e20a89\"\n    :class=\"expanded ? 'border-black' : 'border-grey-200'\" x-data=\"faq()\">\n    <h4 class=\"flex items-center justify-between pt-8 pr-4 cursor-pointer\" x-on:click=\"expanded = !expanded\">\n        Integrated Solutions - Control and full support\n        <svg class=\"flex-shrink-0 w-4 h-4 transition-colors duration-300 fill-purple\" viewBox=\"0 0 24 24\"\n            xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n            <path\n                d=\"m21 11.75c0-.414-.336-.75-.75-.75h-16.5c-.414 0-.75.336-.75.75s.336.75.75.75h16.5c.414 0 .75-.336.75-.75z\" \/>\n            <path class=\"transition-transform duration-300\"\n                d=\"m11.75 21c.414 0 .75-.336.75-.75v-16.5c0-.414-.336-.75-.75-.75s-.75.336-.75.75v16.5c0 .414.336.75.75.75z\"\n                transform-origin=\"center\" :class=\"!expanded ? 'rotate-0' : 'rotate-90'\" \/>\n        <\/svg>\n    <\/h4>\n    <div class=\"expandable-content\" x-show=\"expanded\" x-collapse x-cloak>\n        <div class=\"pt-4\">\n\n<p>Integrated Solutions \u2014 control and full support<\/p>\n\n\n\n<p>Just as the name suggests, integrated solutions work with your existing software, simplifying the payment process by allowing you to accept payments quickly and securely from your customers via BPAY, Visa, Mastercard, American Express, Direct Debit and more.<\/p>\n\n\n\n<h5 class=\"wp-block-heading mb-0\" id=\"h-fully-integrated-api-first-platforms-seamlessly-blend-with-your-existing-site-offering-control-with-full-support\">Fully integrated API-first platforms seamlessly blend with your existing site offering control with full support.<\/h5>\n\n\n\n<h5 class=\"wp-block-heading mb-0\" id=\"h-key-points\">Key points:<\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Billing and funding protection for you and your partners<\/li>\n\n\n\n<li>Customisable portals, customer onboarding, and underwriting<\/li>\n\n\n\n<li>Comprehensive portfolio management<\/li>\n\n\n\n<li>Faster onboarding with full control of customer experience<\/li>\n\n\n\n<li>Full-suite of payment capabilities<\/li>\n\n\n\n<li>Instant account-servicing solution for you and your customers<\/li>\n\n\n\n<li>Fully managed customer underwriting and risk assessment<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-white-color has-blue-default-background-color has-text-color has-background has-link-color wp-element-button\" href=\"https:\/\/platforms.worldpay.com\/en\/get-started\/\">Get started<\/a><\/div>\n<\/div>\n\n<\/div>\n    <\/div>\n<\/div>\n\n\n<div class=\"faq-block pb-8 border-b\" id=\"faq-block_cf1ea3be9be2321c423e2a14cef08a48\"\n    :class=\"expanded ? 'border-black' : 'border-grey-200'\" x-data=\"faq()\">\n    <h4 class=\"flex items-center justify-between pt-8 pr-4 cursor-pointer\" x-on:click=\"expanded = !expanded\">\n        PayFac-as-a-Service - Fast, simple, smart choice\n        <svg class=\"flex-shrink-0 w-4 h-4 transition-colors duration-300 fill-purple\" viewBox=\"0 0 24 24\"\n            xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n            <path\n                d=\"m21 11.75c0-.414-.336-.75-.75-.75h-16.5c-.414 0-.75.336-.75.75s.336.75.75.75h16.5c.414 0 .75-.336.75-.75z\" \/>\n            <path class=\"transition-transform duration-300\"\n                d=\"m11.75 21c.414 0 .75-.336.75-.75v-16.5c0-.414-.336-.75-.75-.75s-.75.336-.75.75v16.5c0 .414.336.75.75.75z\"\n                transform-origin=\"center\" :class=\"!expanded ? 'rotate-0' : 'rotate-90'\" \/>\n        <\/svg>\n    <\/h4>\n    <div class=\"expandable-content\" x-show=\"expanded\" x-collapse x-cloak>\n        <div class=\"pt-4\">\n\n<p>PayFac-as-a-Service \u2014 fast, simple, smart choice<\/p>\n\n\n\n<p>In the same way that cloud computing services democratized the ability to launch software products, integrated payment solutions are making it possible for SaaS companies to become PayFacs, without taking on the huge capital expenditure. The result? Lower overall costs for better payment economics.<\/p>\n\n\n\n<h5 class=\"wp-block-heading mb-0\" id=\"h-with-payfac-as-a-service-companies-can\">With PayFac-as-a-Service, companies can:<\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Increase revenue per user by 2 to 5x* versus a standalone software subscription<\/li>\n\n\n\n<li>Unlock new verticals where previously the total addressable market (TAM) for software was too small and\/or the cost of acquiring customers was too high<\/li>\n\n\n\n<li>Improve margins and makes the product stickier<\/li>\n<\/ul>\n\n\n\n<h5 class=\"wp-block-heading mb-0\" id=\"h-key-points-0\">Key points:<\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Potential revenue: 2-5x versus a standalone software subscription<\/li>\n\n\n\n<li>Payments and software operate as a single platform<\/li>\n\n\n\n<li>Integrated software vendor (ISV) owns the customer portfolio<\/li>\n\n\n\n<li>Dual party agreement between PF and sub-merchant<\/li>\n\n\n\n<li>Faster onboarding with full control of customer experience<\/li>\n\n\n\n<li>Control customer acquisition and pricing strategy<\/li>\n\n\n\n<li>Full transparency into pricing; no hidden fees<\/li>\n\n\n\n<li>Payment facilitator manages funding to sub-merchants<\/li>\n\n\n\n<li>Better support experience as ISV manages complete support for software and payments<\/li>\n\n\n\n<li>Best for companies that can justify the set-up cost, usually processing $10M to $50M in annual sales<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-white-color has-blue-default-background-color has-text-color has-background has-link-color wp-element-button\" href=\"https:\/\/platforms.worldpay.com\/en\/product-roadmap\/\">Product roadmap<\/a><\/div>\n<\/div>\n\n<\/div>\n    <\/div>\n<\/div>\n\n\n<div class=\"faq-block pb-8 border-b\" id=\"faq-block_70e6604ca52b7e4129da8fc8eb182e47\"\n    :class=\"expanded ? 'border-black' : 'border-grey-200'\" x-data=\"faq()\">\n    <h4 class=\"flex items-center justify-between pt-8 pr-4 cursor-pointer\" x-on:click=\"expanded = !expanded\">\n        Payment Facilitator - High risk, high return\n        <svg class=\"flex-shrink-0 w-4 h-4 transition-colors duration-300 fill-purple\" viewBox=\"0 0 24 24\"\n            xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n            <path\n                d=\"m21 11.75c0-.414-.336-.75-.75-.75h-16.5c-.414 0-.75.336-.75.75s.336.75.75.75h16.5c.414 0 .75-.336.75-.75z\" \/>\n            <path class=\"transition-transform duration-300\"\n                d=\"m11.75 21c.414 0 .75-.336.75-.75v-16.5c0-.414-.336-.75-.75-.75s-.75.336-.75.75v16.5c0 .414.336.75.75.75z\"\n                transform-origin=\"center\" :class=\"!expanded ? 'rotate-0' : 'rotate-90'\" \/>\n        <\/svg>\n    <\/h4>\n    <div class=\"expandable-content\" x-show=\"expanded\" x-collapse x-cloak>\n        <div class=\"pt-4\">\n\n<p>Payment Facilitator \u2014 high risk, high return<\/p>\n\n\n\n<p>Payment facilitators \u2014 or PayFacs \u2014 take a more active role in processing payments and can capture 0.75-1.25% in revenue of the transaction volume in exchange for taking on the risks and operations associated with collecting payments, including customer underwriting and onboarding, compliance, and reporting.<\/p>\n\n\n\n<h5 class=\"wp-block-heading mb-0\" id=\"h-although-the-benefit-of-becoming-a-payfac-is-greater-control-and-higher-profit-margins-the-initial-and-ongoing-investment-is-steep-including\">Although the benefit of becoming a PayFac\u00ae is greater control and higher profit margins, the initial and ongoing investment is steep, including:<\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Hiring a full-time payments team \u2013 business, legal, engineering, and customer service.<\/li>\n\n\n\n<li>Set up \u2014 acquiring processor\/bank sponsorship, gateway integrations, Level 1 PCI DSS certification, building customer dashboard and payout systems, hiring consultants\/advisors.<br>Time: 6-12+ months<br>Cost: $650k-1.1M<\/li>\n\n\n\n<li>Customer onboarding and compliance \u2014 develop customer underwriting and onboarding including ID verification, risk scoring systems, compliance with PCI DSS, AML, and AFSL and card network requirements, data retention, and privacy.<br>Time: 6-18 months<br>Cost: Approx $1 \u2013 $1.5M<\/li>\n\n\n\n<li>Ongoing management capability \u2014 account onboarding and monitoring, risk monitoring, fraud prevention, chargeback process handling (including evidence submissions, reporting, and annual compliance validation.)<br>Cost: $200k-1M+\/year<\/li>\n\n\n\n<li>Additional costs \u2014 expansion into international markets, plus ongoing technical and procedural compliance due to new regulations.<\/li>\n<\/ul>\n\n\n\n<p>Here\u2019s the good news: today there are providers like Worldpay who offer the payment infrastructure as a service technology for companies to become a PayFac.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-white-color has-blue-default-background-color has-text-color has-background has-link-color wp-element-button\" href=\"https:\/\/platforms.worldpay.com\/en\/product-roadmap\/\">Product roadmap<\/a><\/div>\n<\/div>\n\n<\/div>\n    <\/div>\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-white-color has-purple-default-background-color has-text-color has-background has-link-color wp-element-button\" href=\"https:\/\/platforms.worldpay.com\/en\/get-started\/\">Speak to a payments expert<\/a><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-custom-container bg-purple-200 mt-0 mb-0 pt-24 pb-24\" id=\"what-is-payment-software\"><div class=\"container\"><div class=\"columns-block max-w-2000\" id=\"columns-block_94eae9000c22f9f50c4b129eca61f821\">\n    <div class=\"flex flex-wrap columns-block-container -mx-5 -mt-12 justify-start\">\n<div class=\"column-block flex flex-col mt-12 px-5  w-full md:w-full lg:w-3\/4 xl:w-3\/4\"\n    id=\"column-block_17ac1b47ecfba0e55c678cd195756939\" >\n    <div class=\"flex flex-col flex-grow rounded-xl relative  bg-transparent items-start justify-start\">\n\n<p class=\"is-style-label-black\">The entryway to easier payments<\/p>\n\n\n\n<h2 class=\"wp-block-heading mb-0\" id=\"h-what-is-payment-software\">What is payment software?<\/h2>\n\n\n\n<p class=\"has-xl-font-size\">A third-party application that works with your existing software, a payment gateway is designed to simplify the payment process. It integrates with your current site, allowing you to accept secure real-time and recurring payments from your customers via BPAY, Visa, Mastercard, American Express, Direct Debit and more.<\/p>\n\n<\/div>\n<\/div>\n\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-custom-container bg-transparent mt-0 mb-0 pt-24 pb-24\" id=\"api-documentation-101\"><div class=\"container\"><div class=\"columns-block max-w-2000\" id=\"columns-block_94eae9000c22f9f50c4b129eca61f821\">\n    <div class=\"flex flex-wrap columns-block-container -mx-5 -mt-12 justify-start\">\n<div class=\"column-block flex flex-col mt-12 px-5  w-full md:w-full lg:w-3\/4 xl:w-3\/4\"\n    id=\"column-block_17ac1b47ecfba0e55c678cd195756939\" >\n    <div class=\"flex flex-col flex-grow rounded-xl relative  bg-transparent items-start justify-start\">\n\n<h2 class=\"wp-block-heading mb-0\" id=\"h-your-api-documentation\">Your API documentation<\/h2>\n\n\n\n<p class=\"has-xl-font-size\">When setting up a payment gateway within your software, you will need the API documentation from your chosen provider. Our API is built on REST and our documentation can be accessed here.<\/p>\n\n\n\n<p class=\"has-xl-font-size\">When comparing different vendors, it\u2019s important to explore and trial different API documentation in a sandbox environment to ensure the quality and customizability of the integration. Your trial will also help you evaluate the pros and cons of an out-of-the-box integration versus a personalised solution.<\/p>\n\n\n\n<p class=\"has-xl-font-size\">Please note that different credentials will be required for production (live) accounts, which will be available only after your development is complete and certified.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-white-color has-blue-default-background-color has-text-color has-background has-link-color wp-element-button\" href=\"https:\/\/docs.rest.paymentsapi.io\/\" target=\"_blank\" rel=\"noreferrer noopener\">Check out our REST API developer guide<\/a><\/div>\n<\/div>\n\n<\/div>\n<\/div>\n\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-custom-container bg-transparent mt-0 mb-0 pt-24 pb-24\" id=\"take-your-software-platform-to-new-heights\"><div class=\"container\"><div class=\"columns-block max-w-2000\" id=\"columns-block_94eae9000c22f9f50c4b129eca61f821\">\n    <div class=\"flex flex-wrap columns-block-container -mx-5 -mt-12 justify-start\">\n<div class=\"column-block flex flex-col mt-12 px-5  w-full md:w-full lg:w-3\/4 xl:w-3\/4\"\n    id=\"column-block_17ac1b47ecfba0e55c678cd195756939\" >\n    <div class=\"flex flex-col flex-grow rounded-xl relative  bg-transparent items-start justify-start\">\n\n<p class=\"is-style-label-black\">INTEGRATE, TRansform, Grow<\/p>\n\n\n\n<h2 class=\"wp-block-heading mb-0\" id=\"h-take-your-vertical-software-platform-to-new-heights\">Take your vertical software platform to new heights<\/h2>\n\n\n\n<p class=\"has-xl-font-size\">According to venture capital firm Andreessen Horowitz, by adding financial services like payments alongside a software company\u2019s core software product, vertical SaaS businesses can increase revenue per customer by 2-5x*. Adding payments also helps grow revenue per customer, and makes your product stickier. The result? Lower cost of customer acquisition, while increasing the lifetime value (LTV).<\/p>\n\n\n\n<p class=\"has-xl-font-size\">In fact, the potential for payments to increase LTV means that companies like yourself can offer your SaaS product for less \u2014 or even for free \u2014 to attract customers who may be reluctant to go online, and even introduce additional fintech products for greater monetization.<\/p>\n\n\n\n<p class=\"has-xl-font-size\"><em>*Source: Fintech Scales Vertical SaaS<\/em><\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-white-color has-blue-default-background-color has-text-color has-background has-link-color wp-element-button\" href=\"https:\/\/platforms.worldpay.com\/en\/blog\/payments-will-be-softwares-holy-grail\/\" target=\"_blank\" rel=\"noreferrer noopener\">Read more<\/a><\/div>\n<\/div>\n\n<\/div>\n<\/div>\n\n<\/div>\n<\/div>\n\n\n<div class=\"cards-block max-w-2000 w-full\" id=\"cards-block_f593823ee181274ff9a506e06759c933\">\n    <div class=\"flex flex-wrap justify-center mt-12 mb-16 lg:-mx-5\" >\n                    <div\n                class=\"flex flex-col px-0 lg:px-5 mt-5 w-full lg:w-1\/3\"\n                                >\n                                                                  <div class=\"flex-1 flex justify-start flex-col p-8 2xl:p-12 rounded-xl bg-white shadow-2xl\" tag-title=\"\" heading=\"SaaS 1.0 Software Company\" content=\"\" link-url=\"\" link-title=\"\" link-target=\"\" listItems=\"[{&quot;list_item&quot;:&quot;Subscription revenue&quot;}]\">\n        <h4 class=\"\">SaaS 1.0 Software Company<\/h4>\n    <div class=\"mt-4 text-lg\">\n        <p class=\"text-lg\">    <\/p>\n    <\/div>\n            <ul class=\"is-style-coral-tickbox\">\n                            <li>Subscription revenue<\/li>\n                    <\/ul>\n        <\/div>\n                                  <\/div>\n                    <div\n                class=\"flex flex-col px-0 lg:px-5 mt-5 w-full lg:w-1\/3\"\n                                >\n                                                                  <div class=\"flex-1 flex justify-start flex-col p-8 2xl:p-12 rounded-xl bg-white shadow-2xl\" tag-title=\"\" heading=\"SaaS 2.0 Software Platform\" content=\"\" link-url=\"\" link-title=\"\" link-target=\"\" listItems=\"[{&quot;list_item&quot;:&quot;Subscription revenue&quot;},{&quot;list_item&quot;:&quot;Online payments&quot;}]\">\n        <h4 class=\"\">SaaS 2.0 Software Platform<\/h4>\n    <div class=\"mt-4 text-lg\">\n        <p class=\"text-lg\">   <\/p>\n    <\/div>\n            <ul class=\"is-style-coral-tickbox\">\n                            <li>Subscription revenue<\/li>\n                            <li>Online payments<\/li>\n                    <\/ul>\n        <\/div>\n                                  <\/div>\n                    <div\n                class=\"flex flex-col px-0 lg:px-5 mt-5 w-full lg:w-1\/3\"\n                                >\n                                                                  <div class=\"flex-1 flex justify-start flex-col p-8 2xl:p-12 rounded-xl bg-white shadow-2xl\" tag-title=\"\" heading=\"SaaS 3.0 Commerce Platform\" content=\"\" link-url=\"\" link-title=\"\" link-target=\"\" listItems=\"[{&quot;list_item&quot;:&quot;Subscription revenue&quot;},{&quot;list_item&quot;:&quot;Online payments&quot;},{&quot;list_item&quot;:&quot;Point of sales payments&quot;},{&quot;list_item&quot;:&quot;Issuing&quot;},{&quot;list_item&quot;:&quot;Lending&quot;},{&quot;list_item&quot;:&quot;Instant payouts&quot;},{&quot;list_item&quot;:&quot;Software (e.g. billing)&quot;}]\">\n        <h4 class=\"\">SaaS 3.0 Commerce Platform<\/h4>\n    <div class=\"mt-4 text-lg\">\n        <p class=\"text-lg\">   <\/p>\n    <\/div>\n            <ul class=\"is-style-coral-tickbox\">\n                            <li>Subscription revenue<\/li>\n                            <li>Online payments<\/li>\n                            <li>Point of sales payments<\/li>\n                            <li>Issuing<\/li>\n                            <li>Lending<\/li>\n                            <li>Instant payouts<\/li>\n                            <li>Software (e.g. billing)<\/li>\n                    <\/ul>\n        <\/div>\n                                  <\/div>\n            <\/div>\n<\/div>\n\n\n\n<p>Source: Credit Suisse<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-white-color has-purple-default-background-color has-text-color has-background has-link-color wp-element-button\" href=\"https:\/\/platforms.worldpay.com\/en\/get-started\/\">Speak to a payments expert<\/a><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-custom-container bg-purple-200 mt-0 mb-0 pt-24 pb-24\" id=\"getting-compliant\"><div class=\"container\"><div class=\"columns-block max-w-2000\" id=\"columns-block_94eae9000c22f9f50c4b129eca61f821\">\n    <div class=\"flex flex-wrap columns-block-container -mx-5 -mt-12 justify-start\">\n<div class=\"column-block flex flex-col mt-12 px-5  w-full md:w-full lg:w-3\/4 xl:w-3\/4\"\n    id=\"column-block_17ac1b47ecfba0e55c678cd195756939\" >\n    <div class=\"flex flex-col flex-grow rounded-xl relative  bg-transparent items-start justify-start\">\n\n<p class=\"is-style-label-black\">Setting the standard for security<\/p>\n\n\n\n<h2 class=\"wp-block-heading mb-0\" id=\"h-getting-compliant\">Getting compliant<\/h2>\n\n\n\n<p class=\"has-xl-font-size\">An important part of becoming a PayFac, becoming compliant protects your business, your sub-merchants and their customers from a variety of financial risks including money laundering, terrorist financing, fraud, and more. Failure to comply can not only leave you unnecessarily vulnerable, but can result in fines, higher transaction fees, and contract elimination. As compliance experts, we are here to guide you through the process. Here are a few of the regulations you\u2019ll be responsible for as a PayFac:<\/p>\n\n<\/div>\n<\/div>\n\n<\/div>\n<\/div>\n\n\n<div class=\"faqs-block\">\n<div class=\"faq-block pb-8 border-b\" id=\"faq-block_1761f525cf762b82a8ad816a570602aa\"\n    :class=\"expanded ? 'border-black' : 'border-grey-200'\" x-data=\"faq()\">\n    <h4 class=\"flex items-center justify-between pt-8 pr-4 cursor-pointer\" x-on:click=\"expanded = !expanded\">\n        PCI compliance\n        <svg class=\"flex-shrink-0 w-4 h-4 transition-colors duration-300 fill-purple\" viewBox=\"0 0 24 24\"\n            xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n            <path\n                d=\"m21 11.75c0-.414-.336-.75-.75-.75h-16.5c-.414 0-.75.336-.75.75s.336.75.75.75h16.5c.414 0 .75-.336.75-.75z\" \/>\n            <path class=\"transition-transform duration-300\"\n                d=\"m11.75 21c.414 0 .75-.336.75-.75v-16.5c0-.414-.336-.75-.75-.75s-.75.336-.75.75v16.5c0 .414.336.75.75.75z\"\n                transform-origin=\"center\" :class=\"!expanded ? 'rotate-0' : 'rotate-90'\" \/>\n        <\/svg>\n    <\/h4>\n    <div class=\"expandable-content\" x-show=\"expanded\" x-collapse x-cloak>\n        <div class=\"pt-4\">\n\n<p>The Payment Card Industry (PCI) Council is the authority on storing and sharing credit card information between banks, processors, gateways, and other businesses. Their Payment Card Industry Data Security Standard (PCI DSS) compliance is mandated globally to protect cardholder data and fight off security breaches.<\/p>\n\n\n\n<p>By ensuring businesses comply with the PCI DSS and its requirements, the aim is to protect everyone from the cardholder down to the processor, bank and merchant. Businesses who are non-compliant can be held responsible for any losses through fraud and can face considerable fines.<\/p>\n\n\n\n<p>There are four levels of PCI DSS compliance, depending on how many transactions you process in a year. Worldpay for Platforms has Level 1, which is the highest possible, to ensure that we keep our customers\u2019 financial data safe<\/p>\n\n<\/div>\n    <\/div>\n<\/div>\n\n\n<div class=\"faq-block pb-8 border-b\" id=\"faq-block_7bfc79a32e85c2f2aad26d8ec6a118b3\"\n    :class=\"expanded ? 'border-black' : 'border-grey-200'\" x-data=\"faq()\">\n    <h4 class=\"flex items-center justify-between pt-8 pr-4 cursor-pointer\" x-on:click=\"expanded = !expanded\">\n        AFSL\n        <svg class=\"flex-shrink-0 w-4 h-4 transition-colors duration-300 fill-purple\" viewBox=\"0 0 24 24\"\n            xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n            <path\n                d=\"m21 11.75c0-.414-.336-.75-.75-.75h-16.5c-.414 0-.75.336-.75.75s.336.75.75.75h16.5c.414 0 .75-.336.75-.75z\" \/>\n            <path class=\"transition-transform duration-300\"\n                d=\"m11.75 21c.414 0 .75-.336.75-.75v-16.5c0-.414-.336-.75-.75-.75s-.75.336-.75.75v16.5c0 .414.336.75.75.75z\"\n                transform-origin=\"center\" :class=\"!expanded ? 'rotate-0' : 'rotate-90'\" \/>\n        <\/svg>\n    <\/h4>\n    <div class=\"expandable-content\" x-show=\"expanded\" x-collapse x-cloak>\n        <div class=\"pt-4\">\n\n<p>An Australian financial services licence (AFSL) is required for all financial services providers and authorises them to provide financial advice, create and market financial products, operate registered schemes and provide custodial, depository and traditional trustee company services. When partnering with a payment facilitator, your business can generally operate under the licence of your payments partner rather than obtaining your own AFSL.<\/p>\n\n<\/div>\n    <\/div>\n<\/div>\n\n\n<div class=\"faq-block pb-8 border-b\" id=\"faq-block_fe3fff45e739482267624a492e80bf89\"\n    :class=\"expanded ? 'border-black' : 'border-grey-200'\" x-data=\"faq()\">\n    <h4 class=\"flex items-center justify-between pt-8 pr-4 cursor-pointer\" x-on:click=\"expanded = !expanded\">\n        AML rules\n        <svg class=\"flex-shrink-0 w-4 h-4 transition-colors duration-300 fill-purple\" viewBox=\"0 0 24 24\"\n            xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n            <path\n                d=\"m21 11.75c0-.414-.336-.75-.75-.75h-16.5c-.414 0-.75.336-.75.75s.336.75.75.75h16.5c.414 0 .75-.336.75-.75z\" \/>\n            <path class=\"transition-transform duration-300\"\n                d=\"m11.75 21c.414 0 .75-.336.75-.75v-16.5c0-.414-.336-.75-.75-.75s-.75.336-.75.75v16.5c0 .414.336.75.75.75z\"\n                transform-origin=\"center\" :class=\"!expanded ? 'rotate-0' : 'rotate-90'\" \/>\n        <\/svg>\n    <\/h4>\n    <div class=\"expandable-content\" x-show=\"expanded\" x-collapse x-cloak>\n        <div class=\"pt-4\">\n\n<p>Anti-money laundering rules (AML\/CTF \u2014 Anti-Money Laundering and Counter-Terrorism Financing) is required for all financial services and is designed to detect and report any suspicious activity, such as money laundering, terrorist financing, securities fraud, and market manipulation.<\/p>\n\n<\/div>\n    <\/div>\n<\/div>\n\n\n<div class=\"faq-block pb-8 border-b\" id=\"faq-block_eee26e786c24c0b5d93ed73ce26058ea\"\n    :class=\"expanded ? 'border-black' : 'border-grey-200'\" x-data=\"faq()\">\n    <h4 class=\"flex items-center justify-between pt-8 pr-4 cursor-pointer\" x-on:click=\"expanded = !expanded\">\n        Know your customer (KYC)\n        <svg class=\"flex-shrink-0 w-4 h-4 transition-colors duration-300 fill-purple\" viewBox=\"0 0 24 24\"\n            xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n            <path\n                d=\"m21 11.75c0-.414-.336-.75-.75-.75h-16.5c-.414 0-.75.336-.75.75s.336.75.75.75h16.5c.414 0 .75-.336.75-.75z\" \/>\n            <path class=\"transition-transform duration-300\"\n                d=\"m11.75 21c.414 0 .75-.336.75-.75v-16.5c0-.414-.336-.75-.75-.75s-.75.336-.75.75v16.5c0 .414.336.75.75.75z\"\n                transform-origin=\"center\" :class=\"!expanded ? 'rotate-0' : 'rotate-90'\" \/>\n        <\/svg>\n    <\/h4>\n    <div class=\"expandable-content\" x-show=\"expanded\" x-collapse x-cloak>\n        <div class=\"pt-4\">\n\n<p>Know your customer (KYC) is how companies verify the identity of their clients before working with them. A common global practice, KYC helps companies protect themselves by ensuring that they are doing business legally and with legitimate entities.<\/p>\n\n\n\n<p>Many financial institutions simply require an electronic identity verification that includes personal information \u2014 such as a passport, drivers license, or birth certificate \u2014 which is data matched within your local state or territory to help determine whether or not an individual has been involved in a financial crime.<\/p>\n\n\n\n<p>Some payment providers are licensed to do identity verification, allowing you to streamline another stage of your setup process.<\/p>\n\n<\/div>\n    <\/div>\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-left is-layout-flex wp-container-core-buttons-is-layout-fdcfc74e wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-white-color has-purple-default-background-color has-text-color has-background has-link-color wp-element-button\" href=\"https:\/\/platforms.worldpay.com\/en\/get-started\/\">Speak to a payments expert<\/a><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-custom-container bg-transparent mt-0 mb-0 pt-24 pb-24\" id=\"a-closer-look-at-onboarding-merchants\"><div class=\"container\"><div class=\"columns-block max-w-2000\" id=\"columns-block_94eae9000c22f9f50c4b129eca61f821\">\n    <div class=\"flex flex-wrap columns-block-container -mx-5 -mt-12 justify-start\">\n<div class=\"column-block flex flex-col mt-12 px-5  w-full md:w-full lg:w-3\/4 xl:w-3\/4\"\n    id=\"column-block_17ac1b47ecfba0e55c678cd195756939\" >\n    <div class=\"flex flex-col flex-grow rounded-xl relative  bg-transparent items-start justify-start\">\n\n<p class=\"is-style-label-black\">A closer look at onboarding merchants as a PayFac<\/p>\n\n\n\n<h2 class=\"wp-block-heading mb-0\" id=\"h-managing-sub-merchants\">Managing sub-merchants<\/h2>\n\n\n\n<p class=\"has-xl-font-size\">In order to stay competitive and scale, most vertical SaaS companies eventually want to move towards becoming a PayFac. In doing so, they can offer a seamless payment experience that delivers better customer service and greater revenue potential. To begin offering payments, your clients need to be onboarded as a sub-merchant. Here are a few of the steps needed to get the process started:<\/p>\n\n\n<div class=\"faqs-block\">\n<div class=\"faq-block pb-8 border-b\" id=\"faq-block_dd45b69da329945ce4deda1d7bfa4858\"\n    :class=\"expanded ? 'border-black' : 'border-grey-200'\" x-data=\"faq()\">\n    <h4 class=\"flex items-center justify-between pt-8 pr-4 cursor-pointer\" x-on:click=\"expanded = !expanded\">\n        Step 1 - Establish a master merchant identification account with an acquiring bank\n        <svg class=\"flex-shrink-0 w-4 h-4 transition-colors duration-300 fill-purple\" viewBox=\"0 0 24 24\"\n            xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n            <path\n                d=\"m21 11.75c0-.414-.336-.75-.75-.75h-16.5c-.414 0-.75.336-.75.75s.336.75.75.75h16.5c.414 0 .75-.336.75-.75z\" \/>\n            <path class=\"transition-transform duration-300\"\n                d=\"m11.75 21c.414 0 .75-.336.75-.75v-16.5c0-.414-.336-.75-.75-.75s-.75.336-.75.75v16.5c0 .414.336.75.75.75z\"\n                transform-origin=\"center\" :class=\"!expanded ? 'rotate-0' : 'rotate-90'\" \/>\n        <\/svg>\n    <\/h4>\n    <div class=\"expandable-content\" x-show=\"expanded\" x-collapse x-cloak>\n        <div class=\"pt-4\">\n\n<ul class=\"wp-block-list\">\n<li>To be able to accept sub-merchants, you must first become a master merchant with an acquirer<\/li>\n\n\n\n<li>As banks have strict policies that govern who they can accept as a master merchant, this is a significant list<\/li>\n<\/ul>\n\n<\/div>\n    <\/div>\n<\/div>\n\n\n<div class=\"faq-block pb-8 border-b\" id=\"faq-block_5de90ea7bbe66ec58d8b58fd199629c5\"\n    :class=\"expanded ? 'border-black' : 'border-grey-200'\" x-data=\"faq()\">\n    <h4 class=\"flex items-center justify-between pt-8 pr-4 cursor-pointer\" x-on:click=\"expanded = !expanded\">\n        Step 2 - Prepare for sub-merchants\n        <svg class=\"flex-shrink-0 w-4 h-4 transition-colors duration-300 fill-purple\" viewBox=\"0 0 24 24\"\n            xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n            <path\n                d=\"m21 11.75c0-.414-.336-.75-.75-.75h-16.5c-.414 0-.75.336-.75.75s.336.75.75.75h16.5c.414 0 .75-.336.75-.75z\" \/>\n            <path class=\"transition-transform duration-300\"\n                d=\"m11.75 21c.414 0 .75-.336.75-.75v-16.5c0-.414-.336-.75-.75-.75s-.75.336-.75.75v16.5c0 .414.336.75.75.75z\"\n                transform-origin=\"center\" :class=\"!expanded ? 'rotate-0' : 'rotate-90'\" \/>\n        <\/svg>\n    <\/h4>\n    <div class=\"expandable-content\" x-show=\"expanded\" x-collapse x-cloak>\n        <div class=\"pt-4\">\n\n<ul class=\"wp-block-list\">\n<li>Performing KYC (Know Your Customer) for each new merchant<\/li>\n\n\n\n<li>Checking for suspicious activity, including money laundering, fraud, and tax evasion, and if on OFAC, PEP\u2019s or terrorist lists<\/li>\n\n\n\n<li>Identifying and eliminating any sub-merchants with counterfeit sales<\/li>\n\n\n\n<li>Controlling how to receive, store, and report sub-merchant information in a PCI DSS environment<\/li>\n\n\n\n<li>Potentially registering with AUSTRAC as a remittance service provider in the states that you do business<\/li>\n\n\n\n<li>Submitting digital transaction reports to the ATO annually for all sub-merchants<\/li>\n<\/ul>\n\n<\/div>\n    <\/div>\n<\/div>\n\n\n<div class=\"faq-block pb-8 border-b\" id=\"faq-block_d44ba4d6db411f72fa7371114ea5bffe\"\n    :class=\"expanded ? 'border-black' : 'border-grey-200'\" x-data=\"faq()\">\n    <h4 class=\"flex items-center justify-between pt-8 pr-4 cursor-pointer\" x-on:click=\"expanded = !expanded\">\n        Step 3 - Invest a substantial amount of money and time creating a payments infrastructure\n        <svg class=\"flex-shrink-0 w-4 h-4 transition-colors duration-300 fill-purple\" viewBox=\"0 0 24 24\"\n            xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n            <path\n                d=\"m21 11.75c0-.414-.336-.75-.75-.75h-16.5c-.414 0-.75.336-.75.75s.336.75.75.75h16.5c.414 0 .75-.336.75-.75z\" \/>\n            <path class=\"transition-transform duration-300\"\n                d=\"m11.75 21c.414 0 .75-.336.75-.75v-16.5c0-.414-.336-.75-.75-.75s-.75.336-.75.75v16.5c0 .414.336.75.75.75z\"\n                transform-origin=\"center\" :class=\"!expanded ? 'rotate-0' : 'rotate-90'\" \/>\n        <\/svg>\n    <\/h4>\n    <div class=\"expandable-content\" x-show=\"expanded\" x-collapse x-cloak>\n        <div class=\"pt-4\">\n\n<ul class=\"wp-block-list\">\n<li>Integrating payment gateways into the payment platform that connect sub-merchants\u2019 checkout pages to the processing network<\/li>\n\n\n\n<li>Building a settlement and reconciliation engine that quickly and efficiently pays out what is due to sub-merchants<\/li>\n\n\n\n<li>Building a compliance infrastructure to identify and manage risk, including systems for due diligence and internal employee policies<\/li>\n\n\n\n<li>Building a system for identifying and managing chargebacks and disputed payments<\/li>\n\n\n\n<li>Building and servicing a sub-merchant dashboard that documents and reports on all payments activity<\/li>\n<\/ul>\n\n<\/div>\n    <\/div>\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-left is-layout-flex wp-container-core-buttons-is-layout-fdcfc74e wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-white-color has-purple-default-background-color has-text-color has-background has-link-color wp-element-button\" href=\"https:\/\/platforms.worldpay.com\/en\/get-started\/\">Speak to a payments expert<\/a><\/div>\n<\/div>\n\n\n\n<h4 class=\"wp-block-heading mb-0\" id=\"h-compliance-management\">Compliance management<\/h4>\n\n\n\n<p>There are rules and requirements involved in maintaining compliance with the various bodies that govern and administer payment processing services. ASIC (Australian Security Investment Commission), Card Schemes like Visa and MasterCard, ATO (Australian Tax Office), AUSTRAC (Australian Transaction Reports and Analysis Centre), Acquirers, and PCI all make up a compliance framework that involves reporting, monitoring, and criteria that need to be matched and validated.<\/p>\n\n\n\n<p>For international companies or companies with plans for international expansion, the list grows even longer, with requirements existing within each country that form a separate registration and approval process to the ones listed above.<\/p>\n\n\n\n<h4 class=\"wp-block-heading mb-0\" id=\"h-payment-card-security\">Payment card security<\/h4>\n\n\n\n<p>To ensure you meet the Payment Card Industry Data Security Standard (PCI DSS) and protect your sub-merchants, you\u2019ll need to register annually as a PayFac with Visa, Mastercard, and American Express.<\/p>\n\n<\/div>\n<\/div>\n\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-custom-container bg-transparent mt-0 mb-0 pt-24 pb-24\" style=\"background-image:url(https:\/\/platforms.worldpay.com\/wp-content\/uploads\/2025\/01\/cards-bg2.png);background-size:cover\"><div class=\"container\">\n<h2 class=\"wp-block-heading mb-0\" id=\"h-get-more-insights\">Get more insights<\/h2>\n\n\n<div class=\"related-blogs-block -mx-4 first:mt-0 mt-10\" id=\"related-blogs-block_d39bd8c65ad5bd929b893e8326c688c0\">\n        <div class=\"swiper related-blogs-swiper\">\n            <div class=\"swiper-wrapper\">\n                                                                        <div class=\"flex h-auto px-4 mt-5 swiper-slide\" >\n                        <div class=\"flex flex-col justify-start flex-1 w-full h-full p-8 bg-white shadow-xl rounded-xl 2xl:p-12\">\n            <p class=\"text-base font-light text-black uppercase\">\n            Blog post<\/p>\n                <h5>How to prepare for the new PCI DSS 4.0 requirements<\/h5>\n            <div class=\"mt-auto\">\n        <a class=\"mt-10 btn btn-blue-outline !no-underline\" href=\"https:\/\/platforms.worldpay.com\/en\/blog\/how-to-prepare-for-the-new-pci-dss-4-0-requirements\/\">Read now<\/a>\n    <\/div>\n<\/div>\n                    <\/div>\n                                                        <div class=\"flex h-auto px-4 mt-5 swiper-slide\" >\n                        <div class=\"flex flex-col justify-start flex-1 w-full h-full p-8 bg-white shadow-xl rounded-xl 2xl:p-12\">\n            <p class=\"text-base font-light text-black uppercase\">\n            Blog post<\/p>\n                <h5>what is PCI DSS<\/h5>\n            <div class=\"mt-auto\">\n        <a class=\"mt-10 btn btn-blue-outline !no-underline\" href=\"https:\/\/platforms.worldpay.com\/en\/blog\/1954\/\">Read now<\/a>\n    <\/div>\n<\/div>\n                    <\/div>\n                                                        <div class=\"flex h-auto px-4 mt-5 swiper-slide\" >\n                        <div 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