Fifth Third Processing Solutions Review

Rates and Fees
Truth in Advertising
Consumer Reviews
Customer Support

Best for

Large merchants that are okay with boilerplate contracts and pricing agreements

Specializes in

Merchant accounts, credit card terminals, smart terminals, payment gateways, virtual terminals, POS systems, analytics & reporting

Pricing Summary

Setup Fee: $0

Monthly Fee: Undisclosed

Swipe Rate: Variable

Keyed-in Rate: Variable

Early Termination Fee : $250 To $495

Contract Terms:

3 Years
Visit Fifth Third Processing Solutions

WorldPay acquired fifth Third Processing Solutions in 2019, which has since become FIS Worldpay. The company offers a wide variety of payment processing solutions with a particular focus on the needs of large enterprises.

Fifth Third Processing Solutions Overview


Fifth Third Processing Solutions was founded in 1991 and has gone through numerous name changes since then. WorldPay acquired Fifth Third Processing Solutions in 2019 and has since been rebranded as FIS Worldpay.

FIS Worldpay offers a wide variety of merchant payment processing services. These services are available to companies of all sizes. However, they are a better fit for larger companies, given the types of contracts and pricing agreements that the company favors.

FIS Worldpay prefers a three-year contract that automatically renews once completed. The company uses an interchange-plus pricing model but doesn’t disclose any specific information about its rate plans or account fees. We do know that merchants who want to get out of a contract with FIS Worldpay early will have to pay a $295 early termination fee to do so.

Worldpay provides merchants with 24/7 customer service via phone and email. But the company has received a large number of complaints, mostly about its high cancellation fees and non-disclosure of contract terms.

Quick Facts

Head Quarters

Cincinnati, Ohio

Year Founded



Charles D. Drucker



Merchant Provider Risk Tolerance

What We Like

What We Don't Like

Industries Served

  • Clothing & Apparel
  • Convenience Store
  • Education
  • Electronics
  • Gas Station
  • Healthcare
  • Marketing Agency
  • Personal Service
  • Property Management
  • Restaurant / Bar
  • SAAS
  • SEO & SEM Services
  • Thrift Store
  • Web Design Services

Business Types Served

  • Ecommerce
  • Mobile
  • Mom & Pop
  • MOTO
  • Online
  • Retail / Card Present
  • Small Business
  • Wholesale

Fifth Third Processing Solutions Products & Services


Merchant Accounts, Payment Gateways, and Virtual Terminals

FIS Worldpay is a direct processor, which means that it processes all merchant transactions in-house instead of relying on a third-party processor. This is typically good news for merchants since it eliminates any need to deal with multiple companies when something goes wrong.

FIS offers a wide variety of online payment solutions, including payment gateways and virtual terminals. The company’s tools support both in-person and online transactions via an integrated payments platform.

Payment Terminals

FIS Worldpay has both standard credit card terminals and smart terminals for merchants to choose from. The company’s credit card terminals support all common payment methods, including EMV and NFC.

FIS Worldpay focuses most of its terminal marketing on its smart terminals. These terminals offer a middle ground between traditional terminals and integrated POS systems. They have large color touchscreens and include business applications that help with inventory management and employee scheduling, among other things.

POS Systems

Merchants can also use FIS Worldpay to get a new point-of-sale system. The company’s POS solution is integrated software that can run on many different third-party POS systems. But there isn’t much information available online about what this looks like.

Fifth Third Processing Solutions Payment Processing

  • ACH Check Transactions
  • Check Services
  • Credit Card Processing
  • Debit Card Processing
  • Gift & Loyalty Program
  • Mobile Payments App
  • Online Payments
  • Payment Gateway
  • POS Equipment

Fifth Third Processing Solutions Billing & Invoicing

  • Mobile Payments
  • Online Payments
  • Payment Processing

Fifth Third Processing Solutions Advertising & Sales

FIS Worldpay advertises its services through a variety of channels, with a special emphasis on social media. The company doesn’t use any deceptive advertising practices but it also doesn’t offer much in the way of specific information about its contracts or rates.

Worldpay uses both independent sales agents and an in-house team to sell its services. It’s usually best for merchants to deal with in-house sales staff if possible. Independent sales agents from FIS Worldpay have received numerous complaints about their deceptive tactics and non-disclosures of important information.

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


Fifth Third Processing Solutions Pricing, Rates & Fees


Unfortunately, FIS Worldpay publishes virtually no information about its pricing models or fees. The only real way to find out what you would pay with them is to begin the signup process. However, Worldpay does at least have a quote generator on its website. This gives merchants a general sense of what they would pay with FIS Worldpay after they input their information.

However, the company’s quote generator shouldn’t be taken as your bottom-line price with FIS Worldpay. It will show an expensive tiered pricing plan that doesn’t represent the company’s best offer. Instead, you’ll want to negotiate with Worldpay directly in the hopes of getting an interchange-plus pricing plan with better rates.

Pricing at a Glance

Pricing Model

Tiered Pricing

Swiped Rate


Keyed-in Rate


Mobile Payment Rate

Virtual Terminal Rate


Monthly Fee


Payment Gateway Fee


Batch Fee


Early Termination Fee

$250 To $495

PCI Compliance Fee


Equipment Lease Terms


Address Verification Service (AVS)

Application Fee

Account Setup Fee


Gateway Setup Fee

Annual Fee

Monthly Minimum


Statement Fee

Fifth Third Processing Solutions Contract & Terms

FIS Worldpay uses an industry-standard three-year contract with an automatic renewal clause. The contract includes a pro-rated early termination fee. The further that a merchant’s contract has progressed towards its completion, the less a merchant will have to pay to cancel. Unfortunately, the company doesn’t provide any additional information about its contracts or terms on its website.

Contract Length

3 Years

Early Termination Fee

$250 To $495

Fifth Third Processing Solutions Setup & Support


Setup Highlights

  • Documentation / Knowledge Base

Support Highlights

  • Domestic Phone Support (Business Hours)

Fifth Third Processing Solutions Complaints, Ratings & Reviews

FIS Worldpay has just a C- rating with the Better Business Bureau, which is quite low. This rating stems from the company’s large number of complaints. Some of the most common themes found in these complaints reference Worldpay’s non-disclosure of contract terms, withholding of funds, and high cancellation fees.



A+ but is not BBB Accredited.


3.1 Stars / 76 Reviews




1 Star / 65 Reviews


Total Online Reviews


Total Online Complaints




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