Last updated: 01 September 2026 | Change log

Payment Facilitators provide payment services on behalf of their customers, including processing payments with Worldpay. In this model, the customers of a Payment Facilitator are sub-merchants. When a cardholder makes a purchase, the sub-merchant routes the transaction data to the Payment Facilitator, and the Payment Facilitator sends compliant payment transactions to Worldpay on behalf of the sub-merchant. Worldpay settles funds to the Payment Facilitator, who in turn pays out to their sub-merchants.

All Payment Facilitators must supply additional transaction information which clearly identifies both the Payment Facilitator and the sub-merchant involved.

Using the merchant.paymentFacilitator object and providing all the required details related to the sub-merchant.

"merchant": {
  ....
    "paymentFacilitator": {
      "schemeId": "12345",                         
      "independentSalesOrganizationId": "12345",        
      "subMerchant": {                             
        "name": "Sub-Merchant Plc",                    
        "reference": "12345",                      
        "address": {                               
          "postalCode": "SW1 1AA",                 
          "street": "Regent Street",               
          "city": "London",                        
          "countryCode": "GB",                     
          "state": "CA"
        },
        "taxReference": "12345",
        "phoneNumber": "0123456789",
        "email": "test@email.com"
      }
    },
  ....
}

The payment response does not include any paymentFacilitator specific information.