High-risk friendly gateway

Accept cards on WooCommerce. Get paid instantly.

Woopay is a high-performance PayPal API–powered payment gateway built for WooCommerce merchants who need reliable card processing — no registered business required, no PayPal button, instant payouts.

Start accepting payments See how it works

2 min

Integration time

Extra platform fees

180+

Currencies accepted

Woopay Checkout

Secure · 3-D

LIVE

CardVISA

4582 •••• •••• 2947

HOLDER

A. CUSTOMER

EXPIRES

12/28

Total due$49.00

🔒 3-D SECUREPCI-DSS READYINSTANT ✓

Works with

VISAMastercardApple PayGoogle PayAmerican ExpressDiscoverWooCommerceWordPressPayPal APIVISAMastercardApple PayGoogle PayAmerican ExpressDiscoverWooCommerce

Why Woopay

Built for merchants that other gateways turn away.

Privacy-first checkout, smart 2D/3D routing, and instant payouts — engineered for high-risk WooCommerce sellers, dropshippers and cash-on-delivery stores.

Receipt privacy

Product names and images stay off PayPal receipts — customers only see your order ID.

Fewer chargebacks

Card-only checkout removes the yellow PayPal button and its dispute vectors.

Smart 2D / 3D routing

Frictionless 2D when risk is low, 3-D Secure only when the bank requires it.

Instant payouts

Funds land in your PayPal balance the moment the customer confirms.

Multi-currency

Accept 180+ currencies with automatic conversion at PayPal spot rates.

PCI-ready flow

Tokenised checkout with 3-D Secure fallback keeps compliance simple.

How it works

Live in three steps.

Customer pays with a card

Visa, Mastercard, Amex, Apple Pay or Google Pay through the Woopay checkout on your WooCommerce store.

Funds hit your PayPal

The order is captured through the PayPal API — you receive the payout instantly, with no waiting period.

Withdraw anywhere

Send to your local bank, spend from your PayPal balance, or push instantly to a linked Visa card.

Developer-friendly

Drop-in plugin. Real API underneath.

Install the WooCommerce plugin, paste your PayPal live client ID and merchant ID, and you're accepting cards. For custom flows, hit the REST endpoints directly.

One-click WooCommerce install
REST API with idempotency keys
Webhooks for payments, refunds & disputes
Sandbox environment for card testing

POST /v1/charges

curl https://api.woopay.io/v1/charges \
  -H "Authorization: Bearer sk_live_••••" \
  -H "Idempotency-Key: ord_12334" \
  -d amount=4900 \
  -d currency=usd \
  -d source=tok_visa_2947 \
  -d capture=true

{
  "id": "ch_1P9x2A",
  "status": "succeeded",
  "amount": 4900,
  "currency": "usd",
  "payout": "instant",
  "receipt": "Order ID: 12334"
}

Pricing