Clearent vs Worldpay

A feature-by-feature comparison for ISVs integrating payments.

By Marcus Reed · Updated May 7, 2026

Clearent Review → Worldpay Review → Clearent Pricing → Worldpay Pricing →

Note: Clearent rebranded to Xplor Pay on July 8, 2025. Press release →

Worldpay wins for ISVs prioritizing largest global payment processor — 40b+ transactions/year. Clearent is the better choice when isv-focused payment technology with developer-friendly apis.

Feature Comparison

Clearent 5.5 Winner

vs 13 criteria

Worldpay 5.4

Feature	Clearent	Worldpay	Notes
Integration Architecture	6	6	Both score 6/10. Clearent: Mid-market payment platform combining processing and ISV tools in a single offering. Worldpay: Large-scale traditional processor with broad acquiring capabilities and multiple integration paths.
API & Developer Experience	5	5	Both score 5/10. Clearent: Decent APIs for mid-market ISVs with integration support but limited developer community. Worldpay: Legacy and modern API options coexist; integration can require navigating complex documentation.
White-Label Capabilities	6	3	Clearent has an edge (6 vs 3). Offers some white-label options for ISV partners including branded payment flows. Worldpay: Limited white-label — primarily a processing backend with minimal ISV branding options
Processor Flexibility	3	3	Both score 3/10. Clearent: Processes on own network with limited routing to external acquirers. Worldpay: Proprietary processing network — ISVs commit to Worldpay's acquiring infrastructure.
Pricing & Fee Structure	7	5	Clearent has an edge (7 vs 5). Transparent interchange-plus pricing with ISV-friendly volume economics. Worldpay: Enterprise pricing with interchange-plus options; complex fee structures at smaller volumes
Omnichannel & In-Person Payments	6	7	Worldpay scores slightly higher (7 vs 6). Broad terminal support with in-store, online, and mobile payment acceptance. Clearent: Solid mid-market terminal support with EMV and contactless capabilities
Fraud & Security	6	7	Worldpay scores slightly higher (7 vs 6). Enterprise fraud management with network-level risk analytics and 3DS2 support. Clearent: Standard PCI compliance and fraud tools appropriate for mid-market processing volumes
Revenue Sharing	6	4	Clearent has an edge (6 vs 4). ISV revenue sharing program with margin control over interchange spread. Worldpay: Limited ISV-specific revenue sharing; primarily a direct merchant processor
Merchant Onboarding	7	5	Clearent has an edge (7 vs 5). Streamlined onboarding with fast merchant activation for ISV sub-merchants. Worldpay: Enterprise-focused onboarding with longer timelines suited for larger merchant deployments
Global Reach	3	9	Worldpay leads significantly (9 vs 3). Processing in 146+ countries with local acquiring in major markets worldwide. Clearent: US-only processing — no international acquiring capabilities
Recurring Billing	5	6	Worldpay scores slightly higher (6 vs 5). Recurring payment support as part of broader gateway capabilities. Clearent: Basic recurring payment features through gateway tokenization
Customer Support	6	4	Clearent has an edge (6 vs 4). Responsive mid-market support team with dedicated ISV partner managers. Worldpay: Enterprise account management available; support quality varies by merchant tier
PayFac Options	5	6	Worldpay scores slightly higher (6 vs 5). Payment facilitation solutions available for enterprise ISVs with managed compliance. Clearent: Embedded payments program allows ISVs to facilitate payments without full PayFac setup

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Best for

Clearent

Best for ISVs in healthcare, B2B, and professional services verticals wanting a payment partner with deep vertical expertise. Now offers expanded capabilities through the Xplor Technologies platform.

Visit xplorpay.com ↗

Best for

Worldpay

Best for large ISVs needing a processor with global acquiring reach and the backing of the world's largest payment company. Less ideal for ISVs wanting fast, self-serve onboarding.

Visit worldpay.com ↗

Note: Clearent has rebranded to Xplor Pay. This comparison reflects the combined capabilities of the Clearent/Xplor Pay platform.

Clearent vs Worldpay: What ISVs Need to Know

Choosing between Clearent and Worldpay for embedded payments is a decision that directly impacts your ISV’s revenue model, merchant experience, and technical architecture. This comparison breaks down where each platform excels from an ISV integration perspective.

Key Differences for ISVs

The most important distinction between Clearent and Worldpay comes down to how each platform approaches ISV payment facilitation. Clearent and Worldpay take fundamentally different approaches to merchant onboarding, revenue sharing, and platform integration — and those differences matter when you’re building payments into your software.

Integration architecture varies significantly between the two. ISVs evaluating Clearent vs Worldpay should consider how each platform handles sub-merchant onboarding, payment splitting, and settlement timing. The right choice depends on your specific vertical, transaction volumes, and how much control you need over the merchant payment experience.

Pricing and revenue economics also differ. ISVs earn money from embedded payments through the spread between what they charge merchants and what the processor charges them. The pricing model each platform uses — flat-rate, interchange-plus, or custom — directly affects your payment revenue per transaction.

Which Platform Fits Your ISV?

The best choice between Clearent and Worldpay depends on your ISV’s specific requirements:

Transaction volume: Higher-volume ISVs may benefit from interchange-plus pricing, while lower-volume platforms often prefer flat-rate simplicity
Merchant type: B2B merchants have different payment needs than consumer-facing businesses
Geographic scope: International payment support varies significantly between providers
Integration depth: Some ISVs need white-label checkout while others are fine with co-branded experiences
Revenue model: How much of the payment margin you want to capture determines which platform’s economics work better

The ISV Payment Integration Perspective

For ISVs evaluating Clearent vs Worldpay, the comparison shouldn’t stop at processing fees. Consider the total cost of integration, ongoing maintenance, and the revenue opportunity from embedded payments. The platform that generates the most payment revenue for your ISV while providing the best merchant experience is the right choice — and that calculation is different for every software company.

Evaluate both platforms against your specific use case. Request ISV-specific pricing from each, and compare the total economics including setup costs, per-transaction revenue, and the engineering investment required to integrate and maintain each platform.