Side by side

J.P. Morgan Embedded Payments vs WePay

Both stand on embedded payments platforms. Which one you can start free with, which one lets you read the code, and what each costs once you pay.

J.P. Morgan Embedded Payments

Paid API

Choose J.P. Morgan Embedded Payments if your platform needs account management and payout services through an API, with onboarding checks and several payout routes. Consider the integration prerequisites and contact J.P. Morgan for pricing; the beta versions require a separate start process.

Visit J.P. Morgan Embedded Payments

WePay

Paid AndroidAPIiPhone+1

Choose WePay if your software platform needs integrated merchant onboarding, payment processing and withdrawals, with a choice of integration models. Look elsewhere if you need direct merchant integration or set public pricing.

Visit WePay

The facts

	J.P. Morgan Embedded Payments	WePay
Free plan	Not published	Not published
Open source	Not published	Not published
Runs on	API	Android, API, iPhone, Web
Lowest paid plan	Free or on request	Free or on request
Plans published	1	1
Maker	Not published	Not published
Website	developer.payments.jpmorgan.com	wepay.com
On embedded payments platforms	#17 of 28	#21 of 28

J.P. Morgan Embedded Payments: what it does well

One integration covers client onboarding, accounts, funds, and payouts.
Supports limited client, virtual transaction, and platform operational accounts.
Lists six payout methods, including immediate RTP and Push to Card.
External account validation checks ownership and payment eligibility.
Supports webhooks and network tokenization.

What to know first

Pricing is on request.
API testing requires a developer account, certificate exchange, and enabled portal project.
RECIPIENT third-party payees cannot be paid from LIMITED_DDA accounts.
Accounts v2 and Transactions v3 are beta and require contacting the team.

WePay: what it does well

Offers Clear, Link and Core integration options.
Merchant Center covers transactions, reporting and chargebacks.
Supports flexible payouts and same-day deposits.
Custom checkout tokenizes card details for branded experiences.
Supports major domestic and international card networks.

What to know first

Pricing is available only on request.
Merchants generally need to sign up through a platform partner.
U.S. and Canada merchant availability varies by partner.

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