Worldpay review

Worldpay traces its lineage to 1971 in Cincinnati, merged with the UK's Worldpay Group as Vantiv in 2018, and has changed hands twice since: FIS bought it in 2019, private equity firm GTCR took majority control in 2024, and Global Payments completed a 24.25 billion dollar acquisition of the whole business in January 2026. It processes over 55 billion transactions a year across 174 countries and 138 currencies, from micro-merchant card readers to enterprise acquiring for the world's biggest brands.

Pricing and how it works

Worldpay publishes no US rate card. American merchants negotiate a custom quote, typically interchange-plus for small business, and the monthly fees, PCI fees and any early termination fee all depend on the signed agreement. UK merchants get an indicative online quote instead: the calculator shows a per-transaction authorisation fee of 4.5p, a 20 pound monthly terminal rental, a 5 pound monthly PCI service fee, a 15 pound minimum monthly service charge and 20 pound chargebacks, with settlement in 24 hours. A UK pay-as-you-go ecommerce plan with no contract is also sold, reported by reviewers at 1.3% + 20p per consumer card transaction. US funding is fast: next-day is standard, with same-day funding and a push-to-card option that lands in about 30 minutes.

Who it is for

Worldpay fits established, higher-volume and multi-country businesses, platforms using its PayFac stack, and regulated verticals such as travel, gaming and crypto that many acquirers avoid. Micro-merchants who want transparent flat-rate pricing will find the negotiated contracts, monthly minimums and legacy terminal terms harder work than a Square or SumUp style provider, and the Global Payments takeover means products and branding are likely to keep shifting.