The business rules around payment facilitation can be complex, so before getting too far down the road of planning your application, we’d encourage you to speak with a Worldpay integration consultant They have lots of experience supporting developers and integrating Payment Facilitators large and small, and they can almost certainly save you time or point out things to watch out for.
A good starting point is to make sure you are in fact a Payment Facilitator. You can learn about the PayFac model and understand what differentiates a PayFac from a regular eCommerce or mobile application.
You can also review some of the challenges Payment Facilitators face including:
Depending on the size and complexity of your business, and details of your payment requirements, your Worldpay integration consultant can recommend an optimal strategy for integration. Some large Payment Facilitators with specialized needs will prefer to work with Worldpay on direct ISO 8583 based integrations. For most however, Worlpay's eCommerce platform will be the best payment platform for Payment Facilitators.
The examples shown here assume an integration with Worldpay's eCommerce platform. Developers will see that there are two methods of integrating with Worldpay's eCommerce platform for transaction payments. These include:
- SDKs – Language specific payment SDKs that abstract Worldpay's XML-based on-line interface to simplify coding
- XML integrations – where developers code directly to our XML spec for maximum flexibility constructing on-line or batch transactions
Developers should be aware that the eCommerce SDK only supports core payment transactions, and it only provides support for the on-line interface. Also, the eCommerce sandbox (used for testing on-line SDK and XML based integrations) does not support the PayFac API for managing sub-merchants.
Learn more about Worldpay's onboarding process for PayFacs.