WorldPay Review

Rates and Fees
Truth in Advertising
Consumer Reviews
Customer Support

Best for

Retail, technology stores, and electronic services

Specializes in

Retail, mobile, E-commerce, travel, digital goods, gambling

Pricing Summary

Setup Fee: $50

Monthly Fee: £19.95

Swipe Rate: 2.90% + $0.30

Keyed-in Rate: 3.30% + $0.30

Early Termination Fee : Up To $295

Contract Terms:

Month-to-month 3 Years
Visit WorldPay

A large director processor with presence in 140 countries, founded in 1989 in the UK.

WorldPay Overview


WorldPay has established itself throughout the years, starting in 1989 and spreading to 140 countries. It started in the UK under the name "Streamline" and its name was changed to WorldPay some years later. In 1994, they became one of the first in the market to offer internet-based payment.

WorldPay began offering merchant accounts in the US in 2001, specifically in Atlanta, Georgia. Vantiv acquired Worldpay in 2018 for $10 billion. The merger acquired the name of Worldpay, Inc and became the number one Global Merchant Acquirer.

Not much time passed by when another merger took place when Fidelity National Information Services acquired Worldpay for $43 billion in March 2019.  With a company this large, they are usually operating behind the scenes through a smaller merchant service provider.



Quick Facts

Head Quarters

London, UK

Year Founded

1989 (as Streamline)


Charles Drucker



Merchant Provider Risk Tolerance

What We Like

Large international processor

Interchange-plus pricing available

24/7 customer support

What We Don't Like

Three-year contract with automatic renewal clause

Early termination fee of up to $295

Extensive use of independent sales agents

High complaint volume

Industries Served

  • Accounting & Tax Prep
  • Airlines
  • Clothing & Apparel
  • Convenience Store
  • Education
  • Educational Seminars
  • Electronics
  • Gaming
  • Gas Station
  • Healthcare
  • Hunting & Outdoor Equipment
  • Legal
  • Marketing Agency
  • Medical
  • Moving Companies
  • Personal Service
  • Pharmaceutical
  • Property Management
  • SAAS
  • Self Defense, Tasers & Stun Guns
  • SEO & SEM Services
  • Sports Betting Advice
  • Telemedicine
  • Travel

Business Types Served

  • B2B
  • Digital Downloads
  • Ecommerce
  • High Risk
  • High Volume
  • Information
  • Low Risk
  • MLM
  • Mobile
  • Online
  • Retail / Card Present
  • Small Business
  • Wholesale

WorldPay Products & Services


Worldpay from FIS (official name under which it operates after the merger) offers debit and credit card processing either via the large corporation or indirectly through smaller merchant providers. You can find an extensive directory of enterprise-level business services.

One outstanding aspect is the integration of third-party bookkeeping and POS software. The Point-of-Sale systems are third-party ran but integrated with integrated software.

Another important advantage of Worldpay is that they use a direct processor, as opposed to many merchants which will use a third-party processor. This means that clients get an in-house merchant account.

Worldpay uses Smartpay Series, which is an emphasis on "smart terminals" that the company works with. This system is a step forward from traditional terminals and POS systems. As of right, now this merchant provides Carbon 10, Carbon 8, and Pax A920 setups to provide faster and safer payments.

For a more seamless support of eCommerce, Worldpay Total is a propriety payment gateway software that supports online and in-person transactions. With a virtual terminal, any computer can become a credit card terminal. In the past, Worldpay offered Vantiv's Virtual Terminal Plus to enable this feature.

Worldpay uses the SwipeSimple app to provide customers easy mobile payment options. This is a third-party product integrated with many merchant account providers.

Their countertop credit card terminals all support EMV and NFC payment methods.




WorldPay Payment Processing

  • ACH Check Transactions
  • Cash Transactions
  • Credit Card Processing
  • Debit Card Processing
  • eCheck & ACH Processing
  • EMV Processing
  • Gift & Loyalty Program
  • Gift Card Management
  • Mobile Card Reader
  • Mobile Commerce
  • Online Payments
  • Payment Gateway
  • POS Equipment
  • Recurring Billing
  • Retail Payment Processing
  • Returns Management
  • Shopping Cart Integration
  • Shopping Cart Provided
  • Virtual Terminal

WorldPay Billing & Invoicing

  • Mobile Payments
  • Multi-Currency
  • Online Invoicing
  • Online Payments
  • Payment Processing
  • Recurring/Subscription Billing

WorldPay Advertising & Sales

On their website, you will find advertising on their products, services, and fees. However, some important information is not available there and you will need to contact them directly to sort out your options.

Regarding fees, unlike most merchant accounts, they clearly advertise rates for all their transactions. It is still advisable to get in direct contact with them as there are several complaints about hidden fees.

As with their credit card terminals, there is no specific information on their website as to models or pricing. You will definitely get the options or either buying or leasing a terminal. This lack of info on this aspect probably obeys to the company's direction towards smarter terminals.

If you need more information on their virtual terminal, you should contact sales directly as the company does not advertise the available options. The POS systems are not well advertised on the site either.

There is a high volume of complaints regarding some deceptive selling tactics. Customer service seems to be responsive but not that overall effective at solving issues.

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


WorldPay Pricing, Rates & Fees


There are two ways to pay for our market-leading service:

Pay as you go
2.75% + £0.20
- One simple rate applies to both credit and debit card payments.

Pay monthly
- A fixed monthly payment, plus 2.75% (credit cards) & 0.75% (debit cards).

Pricing at a Glance

Pricing Model

UnknownInterchange PlusTiered PricingFlat Rate

Swiped Rate

2.90% + $0.30

Keyed-in Rate

3.30% + $0.30

Mobile Payment Rate

Virtual Terminal Rate

1.00% - 4.99%

Monthly Fee


Payment Gateway Fee


Batch Fee

Early Termination Fee

Up To $295

PCI Compliance Fee

$15 To $25 Per Month

Equipment Lease Terms

12 - 48 Month

Address Verification Service (AVS)

Application Fee


Account Setup Fee


Gateway Setup Fee

Annual Fee


Monthly Minimum

Statement Fee

WorldPay Contract & Terms

Worldpay offers a standard three-year contract term with an automatic renewal clause for one-year terms after that. Unlike most other processors, the company provides a prorated early termination fee (ETF) schedule, rather than charging you the full amount regardless of when you close your account.

Contract Length

Month-to-month3 Years

Early Termination Fee

Up To $295

WorldPay Setup & Support


Setup Highlights

  • Documentation / Knowledge Base
  • In Person
  • Recorded Video Training

Support Highlights

  • Domestic Phone Support (Business Hours)
  • Offshore Tech Support (After Hours)

WorldPay Complaints, Ratings & Reviews

The company has a good number of complaints and not really good ratings on most reviewing sites. This is a large merchant provider that is not that competent when it comes to customer service, sales transparency, and some contractual practices.

On the BBB website, Worldpay has a customer review of 1/5 stars. It is important to note that customer reviews are not used in calculating BBB rating, as specified on their site.

In 2010, BBB gave the company an "A-" rating, despite having accumulated 128 complaints in 36 months, most of which had to do with products and services. This business is currently not BB accredited.



A+ (256 Complaints)


3.5 Stars / 16 Reviews




1 Star / 61 Reviews (Vantiv)


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