Welcome to wpay

Payment Processing & Merchant Banking.

Get access to SEPA, SWIFT and local payment networks for truly multi-currency banking.

Payment processing & Banking at its finest

Choose what's right for you

We help businesses and customers achieve more

Products & Services

Merchant Accounts Features & benefits

Merchant Account

Plus peace of mind that your money is safe and secure, with our 100% Security Guarantee.

  • Free banking for merchants to reduce costs *
  • Receive funds the same day *
  • Quick access to working capital
  • Spend earnings instantly with your debit card
  • Unified platform to manage both merchant and business account.

Industries We Serve

Airline Industry

Create the payment experience you want for your customers on the ground or in the air, anywhere in the world.

Hospitality Industry

From check-in to check-out and everything in between: explore industry-leading payment solutions for the hospitality industry.

Retail Industry

Whether you’re a sole trader or a multinational chain, you’ve got the goods. To keep those tills ringing, let your customers pay...

Hold funds in 8 currencies

International Business Made Easy

Get access to SEPA, SWIFT and local payment networks for truly multi-currency banking. Perfect for scaling businesses, our multi-currency accounts are the catalyst to grow your reach globally. Pay suppliers like a local and receive payments from anywhere.

  • Receive payment like a local in 8+ currencies.
  • FX with spot pricing and instant settlement, without paying hidden fees.
  • Get access to SWIFT/ SEPA and make and receive payments locally and internationally.
  • Save up to 7x compared to the banks when you send money abroad.
  • Hold and switch between multiple currencies in seconds with low, transparent fees.
WPAY signature card

New! The card that automatically adapts to you with 1% cash back

Streamline your business expenses with corporate cards, saving your accountants hours of work.

Rewards & Benefits
  • Issue a set number of corporate cards as your team grows
  • Control spending, freeze or cancel cards anytime, anywhere
  • Spend smart and earn more: get 1% cashback on every purchase
  • Virtual and physical cards controlled by user permissions

Spend smart and earn more by getting cashback on every purchase with your Woohoo Pay debit card.

  • Boost your advertising ROI
  • Turn operational costs into rewards
  • Elevate your financial efficiency.

WPay Payment Technology

Tap to Pay

Turn your Android smartphones into card readers with WPay. Seamlessly accept contactless payments with a simple tap on your device.

Contactless Table Ordering

Your guests can access your online menu by scanning the QR code, giving them peace of mind that they are in a safe environment.

SMS payments

A Short Messaging Service (SMS) payment otherwise known as text to pay consists of a text message from a mobile phone that contains an embedded link.

WOOHOO PAY mobile banking

Secure, Convenient Banking

Multi-currency IBANs

Start taking payments on your website with a uniquely bundled package that includes both a merchant and business account. With WPay, you soon benefit from same-day settlements — unlike most other providers that can take days to pay out funds.

online BUSINESS banking

The Path to Alternative Banking And Payment Processing Starts Here
WOOHOO PAY PAX A90 PRO

Next Generation Payment Terminals

SMARTMOBILE

The A920 Pro comes with a larger screen, faster performance, and an optional built-in professional infrared barcode scanner. With PAXBiz powered by Android, the A920 Pro incorporates all the features that make the A920 so successful, such as its sleek and ergonomic design, integrated camera, high-speed thermal printer, and high-capacity battery.

Multi-currency IBANs

Go global fast with multi-currency payments using local rails. Get a EUR IBAN and a multi-currency IBAN with us to unlock all benefits of international trade for your business.

Convert 8+ currencies

Hold and switch between multiple currencies in seconds with low, transparent fees.

SWIFT /SEPA access

Get access to SWIFT/ SEPA and make and receive payments locally and internationally.

help center

Frequently asked questions

Got a question about how we’re organised, applying to work for us, or looking for financial or shareholder information? View more Q&A here

Details vary depending on the payment method. It’s usually a combination of phone number, the recipient’s full name, their bank account number and their BIC/SWIFT number. Sometimes, we may ask you for the city as well.

Different payment methods affect your transfer delivery time. Payments to other Woohoo Pay users and card payments are instant.

Transfers to cards typically take a few minutes but can take up to 30 minutes.

International transfers can take up to 1 minute to 2 business days to reach the recipient’s account.

Check out the pricing widget for more details for your transfer.

A Payment Gateway it is the first step in the payment process the Cardholder will come to and is a facility that allows a Merchant to take a payment where the Cardholder is not present.

The Gateway will either authorise or decline the transaction based on the data entered and/or the settings of the Gateway, it will pass approved transactions to the Merchant Account for settlement.

Logging in using 2FA is required to change specific settings within the MMS. The Google Authenticator Guide goes through the steps required to set up the Google Authenticator app on your mobile device (there is also an option to receive codes on your pc via a browser extension). This app allows you to use two-factor authentication (2FA) with MMS.

Once configured, you can use the Google Authenticator app to receive codes. You can set up Google Authenticator or another app that creates one-time verification codes when you do not have an internet connection or mobile service. Once you have received the code, enter it on the sign-in screen to confirm it is you.


Alternatively, you can consider using other applications like Authy, LastPass Authenticator etc. NB: this is a one-time registration process, and only one 2FA authenticator can be used per user account.

3D Secure authentication was developed by Visa with the intention of improving ecommerce payments’ security and cardholder confidence. MasterCard has also adopted the service, along with JCB and Amex. The full 3D Secure service is available using the Woohoo Pay Payment Gateway and there is no additional charge for this service.

Fundamentally, 3D Secure allows the cardholder to create a unique password for their relevant debit or credit card. This works very much like the PIN would with a PDQ machine in order to authenticate a payment, as only the cardholder should know that password.

3D Secure stands for 3 Domain Server, relating to the three parties involved with the process: the Merchant, the Acquirer and the card issuer. This process is the most recent of fraud prevention services available for eCommerce Merchants and cardholders to use.

In addition, 3D Secure also assists the merchant’s liability cover for each transaction authenticated by the process. We would suggest checking with your Acquirer as to what exactly this covers. Chargebacks can still happen, as this will still be decided by your acquirer.

Further information about 3D Secure can be found within the relevant integration guides.

Innovation needs the right technology partner.

Move Your Business to The Next Level Today.

International Business Made Easy

Get access to SEPA, SWIFT and local payment networks for truly multi-currency banking. Perfect for scaling businesses, our multi-currency accounts are the catalyst to grow your reach globally. Pay suppliers like a local and receive payments from anywhere.