Developer-first payments infrastructure for internet businesses.
2.9% + $0.30
online rate
$0
monthly fee
2-day
payout
Developers
SaaS
Marketplaces
Worldpay Review
Global enterprise acquirer processing 55 billion transactions a year across 174 countries, now owned by Global Payments.
No reviews yetFounded 1971Cincinnati, Ohio, United StatesListing updated
- Starting rate
- Custom quote
- Monthly fee
- Negotiated
- Payout
- Next day
- Contract
- N/A
- PCI level
- Level 1
- Regions
- US, CA +3
Overview
Worldpay is one of the established names in payment processing, but choosing an established processor doesn't automatically mean it is the right fit for your business.
The biggest questions for merchants are usually pricing, contract terms, payment hardware, support, and how easily the processor fits into their existing setup. This Worldpay review looks at those areas so you can compare Worldpay with alternatives before signing a contract.
Worldpay Pricing and Fees
Worldpay pricing can vary depending on the merchant agreement, business type, transaction volume, payment methods, and processing arrangement.
Don't look only at the advertised processing rate. Ask for the complete fee schedule and check for:
- Monthly or account fees
- Transaction fees
- Payment gateway fees
- Chargeback fees
- PCI-related fees
- Hardware costs
- Early termination fees
- Contract length
Worldpay POS Hardware
For businesses accepting payments in person, POS equipment can be an important part of the decision.
Consider the total cost of the hardware, whether it works with your existing POS system, how payments are processed, and what happens if equipment needs to be replaced.
Is Worldpay Good for Small Business?
Worldpay can work for small and established businesses, but smaller merchants should pay particular attention to contract terms and the total cost of processing.
A low quoted rate isn't necessarily the cheapest option once account, equipment, and contractual fees are included.
Worldpay vs Square vs Stripe
Square is generally attractive to businesses looking for simplicity, while Stripe is heavily focused on online and developer-led payments. Worldpay can be worth considering when a merchant wants a more traditional payment-processing relationship and broader payment infrastructure.
How to Cancel a Worldpay Contract
Before cancelling, check your merchant agreement for the notice period, early termination provisions, equipment obligations, and any outstanding fees.
Best for
Enterprise acquiring
Multi-country retailers
Platforms and PayFacs
Regulated verticals
Regions
US
CA
UK
EU
Global
Industries
Retail
Travel
Gaming
Software platforms
Financial services
Listed in
Pros
- Scale few acquirers match: 55 billion transactions a year across 174 countries and 138 currencies
- Fast US funding options, with next-day standard, same-day funding and a 30-minute push-to-card option
- Takes on regulated verticals such as travel, gaming and crypto, and runs a PayFac stack for software platforms that embed payments
Cons
- No published US rate card, so rates, monthly fees and termination terms are all negotiated and hard to comparison-shop
- Recurring complaints of fund holds, difficulty cancelling, mid-contract rate increases and long support hold times
- UK terminal plans historically carried 18-month terms with exit fees, and monthly minimums plus PCI fees add up for micro-merchants
Pricing
Pricing at a glance
US pricing is a negotiated custom quote, typically interchange-plus for small businesses. The UK calculator shows indicative pricing of a 4.5p authorisation fee per transaction with a 20 pound monthly terminal fee, 5 pound PCI fee and 15 pound monthly minimum.
- Pricing model
- Interchange-plus, Custom quote
- Contract
- N/A
- Free trial
- No
- Monthly minimum
- GBP 15 per month in the UK, varies by US contract
Fee breakdown
| Online card rate | Custom quote |
|---|---|
| In-person card rate | Custom quote, UK terminal plans from 20 GBP per month plus authorisation fees |
| International surcharge | Negotiated per contract across 138 currencies |
| Monthly fee | Negotiated |
| Setup fee | Not published |
| Monthly minimum | GBP 15 per month in the UK, varies by US contract |
| Chargeback fee | GBP 20 in the UK, negotiated in the US |
| PCI fee | GBP 5 per month in the UK, varies by US contract |
| Early termination fee | None on UK pay-as-you-go ecommerce, applies to fixed-term agreements |
Listing updated How we keep listings current
Features
Payment methods
- Visa
- Mastercard
- Amex
- Discover
- Apple Pay
- Google Pay
- PayPal
- ACH
- SEPA
- BNPL
- Wallets
- Wire
Integrations & deployment
- API
- Hosted checkout
- Drop-in UI
- Mobile SDK
- Virtual terminal
- Payment links
- POS hardware
- WooCommerce
- Magento
- BigCommerce
Capabilities
- Recurring billing
- Multi-currency
- Fraud protection
- 3D Secure
- Tokenization
- Marketplace split
- Reporting dashboard
- Chargeback protection
- Developer-friendly
At a glance
- Currencies
- 138 currencies across 174 countries
- Payout
- Next day
- PCI level
- Level 1
- High-risk friendly
- No
Reviews
No reviews yet. Be the first to share your experience with Worldpay.
Write a review
Share your experience with Worldpay. Reviews are moderated before they appear.
Alternatives to Worldpay
Compare these
The widely recognised wallet and checkout button merchants trust.
2.99% + $0.49
online rate
$0
monthly fee
Instant
payout
Small business
Cross-border
Quick setup
Enterprise-grade global payments on a single platform.
Interchange + 0.60% + $0.13
online rate
$0
monthly fee
T+2
payout
Enterprise
Global
Omnichannel
A PayPal company offering developer-friendly online payments.
2.89% + $0.29
online rate
$0
monthly fee
2-day
payout
Developers
SaaS
PayPal users
Frequently asked questions
- How much does Worldpay cost?
- Worldpay does not publish a US rate card: pricing is a negotiated custom quote, typically interchange-plus for small businesses. In the UK its online calculator shows indicative pricing of a 4.5p authorisation fee per transaction, a 20 pound monthly terminal rental, a 5 pound monthly PCI service fee, a 15 pound minimum monthly service charge and 20 pound chargeback fees. A UK pay-as-you-go ecommerce plan reported at 1.3% + 20p per consumer card transaction is available with no contract.
- Who owns Worldpay now?
- Global Payments completed its acquisition of Worldpay on January 12, 2026 in a 24.25 billion dollar cash and stock deal, buying out FIS and private equity firm GTCR. Worldpay had previously been part of FIS from 2019 and majority-owned by GTCR from 2024. Expect continued product and branding migration under Global Payments.
- How fast does Worldpay pay out?
- UK merchants settle in 24 hours on the indicative pricing plan. In the US, next-day funding is standard with a 7 PM Eastern cut-off, and merchants can opt into same-day funding or FastAccess push-to-card payouts that arrive in roughly 30 minutes.
- Does Worldpay lock merchants into contracts?
- It depends on the product. The UK pay-as-you-go ecommerce plan has no contract and no exit fees, but UK terminal plans have historically run on 18-month terms, and US merchant agreements are negotiated and have carried early termination fees. Read the term sheet carefully before signing, especially for hardware bundles.