WooshPay
WooshPay is a UK-based unified cross-border payments-infrastructure platform offering fiat, crypto, and AI-driven checkout across 170+ countries for ecommerce, education, healthcare, gaming, SaaS, and emerging-market merchants, licensed by the UK FCA and PCI-DSS Level-1 certified.
- Company typePrivate
- Founded2020
- HeadquartersLondon, United Kingdom
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What WooshPay does
WooshPay, operated by UK-incorporated SwooshTransfer Ltd (company number 12507209) with regional entities in Hong Kong and Singapore, is a unified cross-border payment-infrastructure platform headquartered in London. Through a single API, JS SDK, and hosted Checkout, the platform consolidates fiat and crypto acceptance across approximately 170 countries and 155+ fiat currencies plus 15+ cryptocurrencies, supporting 50+ local payment methods including Visa, Mastercard, Alipay, WeChat Pay, UnionPay, Apple Pay, Google Pay, and Klarna. Its product suite spans Payments, Invoicing, Payouts, Global Accounts, Issuing (physical and virtual corporate cards in 140+ currencies), Coupons, Subscriptions, Payment Links, and a Unified Payment Gateway that aggregates multiple PSPs behind one integration with ML-based dynamic routing and intelligent retry.
The technology stack is built on a PaymentIntents/SetupIntents API architecture with webhooks, subscriptions, SCA/PSD2 handling, and 3D Secure support, claiming 99.99%+ availability. WooshPay is licensed by the UK Financial Conduct Authority (FCA), holds PCI-DSS Level-1 certification, and is officially registered as a service provider with Visa and Mastercard. Recent product extensions include AI Agent Payments for agentic commerce, a Virtual Prepaid Card, and Stablecoin Settlement, alongside localized emerging-market solutions for Africa mobile money, South Asia, and the GCC. The firm distributes via native plugins for Shopify, WooCommerce, Shoplazza, Shopastro, Shopline, and Sage, supplemented by a self-serve dashboard and a sales-assisted enterprise channel.
The business model is primarily transaction-based: 4.8% + $0.50 on Visa/Mastercard/Apple Pay/Google Pay/UnionPay, 1.70% on Alipay, 1% on WeChat Pay, 0.2% on cross-border payouts (0.3% to China), 0.3% on Treasury outbound transactions, and $0.15 per issued card. Subscription revenue is generated from Payment Links ($25/month to $260/year) and recurring invoicing. Go-to-market combines API-first self-serve onboarding (a "3-step go live" flow) with verticalized enterprise sales across Ecommerce, Education, Healthcare, Creators Economy, Gaming, SaaS, Startups, AI Companies, and China-focused segments. Notable named customers/partners include Xiaomi, Shopify, Tuya, StarMaker, PatPat, Royal Marsden, FunPlus, IH Bangkok, ISCA, and PHBS. In May 2026, Sequoia Financial Group (with the investment attributed to CPIC Fund Management) completed a strategic investment to integrate WooshPay with its AlphaToken digital-asset infrastructure.
WooshPay firmographics
Firmographics- Name
- WooshPay
- Legal name
- SWOOSHTRANSFER LTD
- Website
- https://wooshpay.com
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- WooshPay is a UK-based unified cross-border payments-infrastructure platform offering fiat, crypto, and AI-driven checkout across 170+ countries for ecommerce, education, healthcare, gaming, SaaS, and emerging-market merchants, licensed by the UK FCA and PCI-DSS Level-1 certified.
- Ownership category
- akta.pro rank
WooshPay industry classification
Industry- Product category
- Cross-Border Payment Infrastructure
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- SIC
- Security & Commodity Brokers, Dealers, Exchanges & Services (6200)
- akta.pro primary industry
- Crypto Payment Gateways & Checkout APIs (FSADAIAA)
- akta.pro secondary industries
- Crypto Merchant Acquirers & PSPs (Payment Service Providers) (FSADAIAB), International / Multi-Currency Wallets (FSAMAEAL), Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA)
Keywords
Where WooshPay is headquartered
LocationHeadquarters
- HQ city
- London
- HQ country
- United Kingdom
- HQ region
- Europe
Offices4 records
Markets served
WooshPay business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Infrastructure, Operations, Marketing or Sales
Revenue model
- Card and wallet payment processing fees: Per-transaction percentage + fixed fee on Visa, Mastercard, Apple Pay, Google Pay, UnionPay (4.8% + 0.5 USD); Alipay 1.70%; WeChat Pay 1%. Fees vary by buyer geography.
- Issuing fees (virtual and physical cards): 0.15 USD per card issued; transaction fees free.
- Payout commissions: 0.2% payout fee (0.3% for payouts into China), minimum 6 USD, maximum 30 USD; pricing varies by country and currency.
- Treasury / Global Account transaction fees: 0.3% per outbound transaction from a virtual bank account, minimum 22 USD; enables multi-currency treasury management.
- Payment Link subscriptions: Recurring subscription plans: 25 USD/month, 135 USD/half-year, or 260 USD/year. First 300 payment links per month free; beyond 300, 0.4% per successfully paid link (max 5,000 links/month).
- Invoicing fees: First 300 invoices per month free; beyond 300, 0.4% per successfully paid invoice (max 5,000 invoices/month).
- Recurring payment / subscription management fees: 0.1 USD per saved payment method, with usage and deletion actions on saved methods.
- FX conversion spread: FX quotes generated via the /v1/fx_quotes endpoint support cross-border payin conversion; spread embedded in quoted exchange rates.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Card/wallet processing: Visa/Mastercard/Apple Pay/Google Pay 4.8% + 0.5 USD; Alipay 1.70%; WeChat Pay 1%; UnionPay listed. |
| Transaction based/ take rate | Pay-as-you-go | Payouts: 0.2% (0.3% to China), min 6 USD, max 30 USD. |
| Usage-based | Pay-as-you-go | Treasury / Global Accounts: 0.3% per outbound transaction, min 22 USD. |
| Unit Pricing | Pay-as-you-go | Issuing: 0.15 USD per card; transactions free. |
| Subscription | Monthly | Payment Link: 25 USD/month, 135 USD/half-year, 260 USD/year. |
| Subscription | Monthly | Invoice: free tier + usage overage. |
| Usage-based | Pay-as-you-go | Recurring payments: 0.1 USD per save-payment-method action. |
Go-to-market motion4 records
Distribution channels5 records
Marketing channels8 records
WooshPay product offering
Product offeringCore offering
WooshPay operates a unified global payments-infrastructure platform that accepts card, wallet, bank-redirect, real-time, and cryptocurrency payments across 170+ countries on a single contract. The platform combines Payments, Invoicing, Payouts, Global Accounts, multi-currency card Issuing, and Coupons/Membership modules under one dashboard, exposed through hosted Checkout, a JS SDK, and a Direct REST API. It is licensed by the UK FCA, certified PCI-DSS Level-1, and registered as a service provider with Visa and Mastercard.
Product overview
WooshPay is a unified global payments-infrastructure platform offering fiat, crypto, and AI-driven payment capabilities under one contract, one dashboard, one reconciliation, and one integration across 170 countries/regions, 155+ fiat currencies, and 15+ cryptocurrencies. The platform is built around several core modules — Payments, Invoicing, Payouts, Global Accounts, Issuing (corporate cards), Payment Equals Membership, Coupons, Unified Payment Gateway, and Dashboard — that are composed with technical solutions (Smart Gateway Integration, Crypto Integration, Woosh Creator SEO AI Agent) and industry-specific vertical solutions (Ecommerce, Education, Healthcare, Creators Economy, Game, Startups, AI Company, China-Focused, Agentic Commerce). Developers can integrate via three recommended paths — WooshPay Checkout (hosted page), WooshPay JS SDK (embedded Elements), or WooshPay Direct API (server-to-server with Payment Intents) — and extend the platform with supporting API products such as Payment Links and Subscriptions/Recurring Payments. Recent additions include the WooshPay Virtual Prepaid Card and the WooshPay AI Agent Payments capability for agentic commerce.
Differentiator
Problem solved
Functional benefit
Brands
- WooshPay Checkout: Hosted checkout technology that lets merchants collect payments online and store customer payment credentials.
- WooshPay Issuing
- WooshPay Global Accounts
Products and services
- WooshPay Payments
Quantifiable outcome
- One contract grants access to 170 countries and regions with 155+ fiat currencies and 15+ cryptocurrencies
- +3 more outcomes
Companies that use WooshPay
Customer profileNamed customers13 records
Segments9 records
Ideal customer profiles7 records
WooshPay technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration14 records
AI capability13 records
Feature9 records
WooshPay partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered core and minor.
- VisacoreWooshPay is an officially registered service provider with Visa, enabling global card acquiring and issuing for merchants. Visa registration is listed as a core compliance and distribution asset on the homepage.
- MastercardcoreWooshPay is an officially registered service provider with Mastercard, enabling global card acquiring and issuing. Listed alongside Visa as a core compliance and distribution asset.
- TazapayminorTazapay is referenced as a partner in Section 16 of the WooshPay Checkout User Terms of Service, with Tazapay's seller terms cross-referenced for users.
- ShopifycoreWooshPay offers a Shopify Plugin (SaaS Platform Integration) and is featured as a partner for merchants on one of the world's largest e-commerce platforms (NYSE: SHOP).
- WooCommercecoreWooshPay ships a WooCommerce integration (SaaS Platform Integration) documented in the developer portal.
- Shoplazza (店匠)coreWooshPay ships a Shoplazza plugin (SaaS Platform Integration) documented in the developer portal — particularly relevant for China cross-border merchants.
- Apple PaycoreApple Pay is supported as a wallet payment method across WooshPay's product suite, including on issued cards and at checkout.
- Google PaycoreGoogle Pay is supported as a wallet payment method across WooshPay's product suite, including on issued cards and at checkout.
Scale indicators12 records
Recent moves6 records
Expansion highlights9 records
WooshPay competitors and assessment
Company assessmentDirect peers
- dLocal: dLocal specializes in cross-border payments across emerging markets (LatAm, Africa, APAC) with 40+ countries and hundreds of local payment methods — the closest direct competitor to WooshPay's emerging-market localization push.
- LianLian Global: LianLian Global offers cross-border payment collection and distribution for Chinese merchants, with local acquiring in major markets — a direct competitor in the China-cross-border corridor WooshPay targets.
- BitPay: BitPay is the largest crypto payment gateway for merchants, supporting Bitcoin, Ethereum, and stablecoins with checkout APIs — directly comparable to WooshPay's crypto payment integration and stablecoin settlement.
- Airwallex: Airwallex is a cross-border multi-currency payments platform offering global accounts, cards, FX, and merchant acquiring — directly comparable to WooshPay's Global Accounts, Issuing, and cross-border payouts stack.
- Stripe: Stripe Payments is the global benchmark for merchant payment gateways, offering hosted Checkout, Elements/JS SDK, PaymentIntents API, and Connect — the exact product surface WooshPay mirrors for global merchants.
- PingPong: PingPong provides cross-border payments, FX, and local acquiring for Chinese and APAC merchants expanding globally — competing head-to-head with WooshPay's China-Focused Solutions and Shoplazza/Shopline distribution.
- Checkout.com: Checkout.com is a global merchant acquirer and gateway focused on cross-border enterprise volume with intelligent routing, APM coverage, and unified reconciliation — overlapping with WooshPay's core proposition.
- Adyen: Adyen is the enterprise cross-border acquirer with a unified payments platform spanning cards, local APMs, and issuing — directly comparable to WooshPay's single-contract, single-dashboard model.
- Paddle: Paddle is a merchant-of-record platform for SaaS and digital goods that handles subscriptions, global tax, and multi-currency billing — comparable to WooshPay's Subscriptions, Invoicing, and AI Company verticals.
Broad incumbents
- Worldpay: Worldpay is a global incumbent merchant acquirer and payment processor offering cross-border gateways and APMs as part of a broad payments portfolio — overlapping with WooshPay at the card-processing and merchant-onboarding layer.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
WooshPay social profiles
Digital presenceWooshPay compliance and trust
Trust signalCompliance5 records
WooshPay financial estimates
Financial estimateRevenue estimate
Valuation estimate
WooshPay leadership team
Management profileNumber of profiles
Profiles1 record
WooshPay subsidiaries and ownership
Company hierarchySubsidiaries3 records
WooshPay funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
WooshPay M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about WooshPay
What does WooshPay do?
WooshPay operates a unified global payments-infrastructure platform that accepts card, wallet, bank-redirect, real-time, and cryptocurrency payments across 170+ countries on a single contract. The platform combines Payments, Invoicing, Payouts, Global Accounts, multi-currency card Issuing, and Coupons/Membership modules under one dashboard, exposed through hosted Checkout, a JS SDK, and a Direct REST API. It is licensed by the UK FCA, certified PCI-DSS Level-1, and registered as a service provider with Visa and Mastercard.
Is WooshPay a public or private company?
WooshPay is a private company. It is classified as venture growth investor backed and is currently operating.
When was WooshPay founded?
WooshPay was founded in 2020. It employs 11 to 50 people.
Where is WooshPay based?
WooshPay is headquartered in London, United Kingdom, in the Europe region.
How does WooshPay make money?
Eight revenue lines are on record. Card and wallet payment processing fees are the primary driver. The others are issuing fees (virtual and physical cards), payout commissions, treasury / Global Account transaction fees, payment Link subscriptions, invoicing fees, recurring payment / subscription management fees and FX conversion spread.
Who are WooshPay's main competitors?
Direct peers on record are dLocal, LianLian Global, BitPay, Airwallex, Stripe, PingPong, Checkout.com, Adyen and Paddle. Worldpay is listed as a broad incumbent.
Does WooshPay have an API?
Yes. WooshPay offers a public REST API (WooshPay OpenAPI / Direct API) plus a JS SDK for embedding checkout forms. Developers can use Basic authentication (base64 username:password) to create PaymentIntents, Confirm/Capture/Cancel PaymentIntents, manage Setup Intents, Refunds, Payouts (including beneficiaries), Charges, Webhooks, Events, Payment Methods, Disputes, Balance, Products, Prices, Payment Links, Customers, Invoices, Invoice Items, Invoice Line Items, Subscriptions, Subscription Items, Issuing (Authorizations, Cardholders, Cards, Transactions), Coupons, Promotion Codes, FX Quotes, and Checkout Sessions. The Direct API and SDK support non-3DS and 3D Secure payment flows, automatic Strong Customer Authentication (SCA/PSD2) handling, dynamic routing, webhooks for status notifications, and a test environment at apitest.wooshpay.com. The API is documented at docs.wooshpay.com. Developer documentation is at docs.wooshpay.com/doc-1724285.
What industry is WooshPay in?
WooshPay's product category is Cross-Border Payment Infrastructure. Its primary akta.pro industry code is FSADAIAA, Crypto Payment Gateways & Checkout APIs, with a secondary code of FSADAIAB, Crypto Merchant Acquirers & PSPs (Payment Service Providers). Its NAICS code is 522320 and its SIC code is 6200.