Worldpay Unveils embedded Finance Engine for Software Platforms
September 29, 2025 – Worldpay has launched an embedded Finance Engine designed to help software platforms integrate financial services directly into their offerings. The new solution aims to simplify the process for partners to offer services like lending and banking,while Worldpay handles regulatory requirements and risk management,according to a company release.
The Engine is part of Worldpay’s broader strategy to empower partners to become “everything platforms” for their users, moving beyond basic payment processing. “Our goal is to empower partners to become the everything platform for their users,” said Matt Downs, president of Worldpay for Platforms. “We are helping them move beyond payments to solutions like the Embedded Finance Engine. By providing partners with purpose-built and easy-to-use technology with simple integrations, we help them unlock new opportunities and deliver greater value to their customers.”
Recent research from a collaboration between PYMNTS Intelligence and Worldpay, titled “Platform Power: The Growing Importance of Embedded Finance to SMB Success,” highlights the demand for these integrated solutions. The study found that approximately 90% of small and medium-sized businesses (SMBs) consider access to embedded finance essential to their daily operations.
The report also indicated that embedded finance solutions drive customer loyalty. Thirty-seven percent of SMBs stated they would likely switch providers for access to embedded lending, a figure that jumped to 69% among those who had already utilized such tools in the past year.
“We’re seeing a fundamental shift in how software providers approach financial integration,” Downs noted in the report. “The platforms that thrive aren’t just offering basic functionality – they’re embedding comprehensive financial capabilities so seamlessly that their clients can’t imagine operating without them.”
Worldpay has been expanding its Embedded Finance offerings globally. In July, the company announced an expansion of Worldpay for Platforms to Canada and the United Kingdom, alongside a strengthened presence in Australia, responding to increasing demand for embedded finance solutions. Downs stated this expansion reflects Worldpay’s commitment to supporting software platforms in key international markets.
