vantiv Review

Rates and Fees
Truth in Advertising
Consumer Reviews
Customer Support

Best for

Restaurants, Bars, Coffee Shops, and Eateries

Specializes in

Vantiv (WorldPay) caters to businesses of all sizes and has the size infrastructure to support this.

Pricing Summary

Setup Fee: $50

Monthly Fee: Variable

Swipe Rate: Variable

Keyed-in Rate: Variable

Early Termination Fee : $250 To $495

Contract Terms:

3 Years
Visit vantiv

Vantiv (Now Worldpay) is one of the largest payment processors in the world. WorldPay offers in-house merchant services, not outsourced like many of their peers. WorldPay integrates with many third-party POS equipment providers. WorldPay outsources equipment and technology from other companies.

Here are some of the features that make WorldPay standout:

  • Services for every size business

  • Mobile payment solutions

  • Brick-and-mortar payment solutions

  • POS systems for every business type

vantiv Overview


According to its website, WorldPay caters to size businesses. The company also sells to every industry.

Pricing varies based on each business's needs. You will not find mention of fees and rates on their website. They use in-person sales reps to sell their merchant solutions. There are no hidden fees, but they do have an early termination fee, setup fee, and ongoing monthly fees depending on your business's size and the industry within which it operates. Higher-risk businesses pay more than low-risk merchants.

We have found mainly mixed reviews of WorldPay online. On the Trustpilot website, there are 2,591 reviews. Half are bad. The other half mostly excellent. This is why it rates three stars.

Quick Facts

Head Quarters

Cincinnati, OH

Year Founded



Charles D. Drucker



Merchant Provider Risk Tolerance

What We Like

Built to engage customers

Fair fees

Negotiable rates

Transparent pricing

Personal account manager

Integrates with most POS equipment models

Can handle any volume of sales transactions

What We Don't Like

Low BBB rating (1-star)

Many negative reviews

Early termination fee

Monthly processing fee

Industries Served

  • Clothing & Apparel
  • Convenience Store
  • Electronics
  • Healthcare
  • Marketing Agency
  • Moving Companies
  • Personal Service
  • Restaurant / Bar
  • SAAS
  • Thrift Store
  • Travel

Business Types Served

  • B2B
  • Ecommerce
  • High Risk
  • Mobile
  • MOTO
  • Online
  • Retail / Card Present
  • Small Business

vantiv Products & Services


WorldPay offers customer POS solutions that cover every industry: e-commerce, brick-and-mortar retailers and restaurants, banks and fintech companies, and more.

WorldPay offers its in-house merchant solutions. They can integrate their merchant accounts with most POS systems and credit card processing equipment. Their dedicated team of in-house sales professionals can assist any business with solutions that meet its needs.

vantiv Payment Processing

  • ACH Check Transactions
  • Contactless NFC
  • Credit Card Processing
  • Debit Card Processing
  • eCheck & ACH Processing
  • Gift & Loyalty Program
  • Online Payments
  • POS Equipment

vantiv Billing & Invoicing

  • Mobile Payments
  • Online Payments

vantiv Advertising & Sales

WorldPay has a one-star BBB rating.

There is evidence of hidden-fees and long, confusing contracts.

WorldPay pricing is negotiable; the in-house sales force negotiates fees.  

The company promotes itself through its independent sales reps who sell its products.

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


vantiv Pricing, Rates & Fees


WorldPay Pricing, Rates & Fees:

  • variable transaction rates

  • $50 setup fee

  • $10 per month service fee

  • Other fees

Pricing at a Glance

Pricing Model

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

vantiv Contract & Terms

WorldPay has complicated contract terms and hidden pricing. The rate you receive depends on your industry, the size of your business, and other factors. Equipment can be rented or purchased. We recommend purchasing your equipment to save money.

The terms and conditions of each merchant agreement are not the same for every merchant. Terms and conditions are negotiated at the time of sale.

Contract Length

3 Years

Early Termination Fee

$250 To $495

vantiv Setup & Support


Setup Highlights

  • Documentation / Knowledge Base
  • Live Online (1-on-1)

Support Highlights

  • Domestic Phone Support (Business Hours)

vantiv Complaints, Ratings & Reviews

There are 277 complaints closed in the last three years; 76 complaints closed in the previous 12 months with the BBB. Most of these negative ratings are customer service and fee-related complaints.



NR, Vantiv is not BBB Accredited


3.1 Stars / 76 Reviews (FIS)




1 Star / 65 Reviews


Total Online Reviews


Total Online Complaints





If you're in the market for a merchant account provider, be sure to check out our user reviews, our merchant accounts guide and our top popular merchant provider picks