Worldpay UK: A guide to the payment service provider

Worldpay UK is one of the UK’s most popular merchant providers. Find out if its fees, rates, customer support and security tools will suit your business in our expert guide.

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Worldpay is the UK’s leading payment provider, and it's also our number one choice for small businesses. 

Our research found that Worldpay has excellent, easy-to-understand, clear pricing. Its pay-as-you-go transaction fees will cost your business 2.75% of each transaction plus £0.20, or £19 per month for the monthly plan. It also boasts excellent 24/7 customer support.

But, according to the company's own website, Worldpay offers over 300 different payment methods, including card payments, online payments, and phone payments.

You don't have time to read about them all. To help you out, our in-house payment service experts have created an easy-to-use cost comparison tool, using our specialist understanding of payment providers built from over two decades of experience helping small business owners.

Or, for a more detailed breakdown, we've put all of our expert knowledge into the below guide.

Together, we'll go through Worldpay’s full pricing, merchant services, safety record, and customer support below. We also compare it to its top compeitors, so you can check how its pros, cons, and costs stand up against rival providers..

Compare Payment Service Providers and Save Is your business using a payment service provider?

What is Worldpay?

Worldpay

You probably already know Worldpay as a leading payment processing provider. So far, it has supported over 400,000 merchants across 146 countries worldwide, which boils down to 26 million transactions every day.

Worldpay may be one of the most well-known merchant service providers, but is it the best payment solution for your small business?

There are two ways businesses can benefit from Worldpay: Worldpay Payment Gateway for ecommerce, and Worldpay Card Machines for face-to-face or virtual purchases.

If your business is brick-and-mortar as well as online, Worldpay makes it easy to manage all your sales from a single online account. Plus, you avoid any surprise bills with ultra-transparent pricing and excellent fraud protection.

UK business owners tend to like Worldpay. According to AI sales platform Enlyft, 77% of businesses using a Worldpay mobile or tablet point-of-sale (POS) system are based in the UK.

Worldpay has spent the last three decades helping businesses like British Airways and Starbucks, as well as start-ups, accept a range of payment types – online and offline – from all over the world.

Small businesses that use Worldpay include:

Worldpay small businesses

Which merchant services does Worldpay offer?

Worldpay payment gateway example

Example of Worldpay payment gateway

Worldpay’s merchant portal allows you to seamlessly accept a range of different payments, including card payments, online payments, mail and phone payments, and email payments.

It offers two main merchant services: an online payment gateway or card machine.

Worldpay features

With both pay as you go and pay monthly, you’ll get all the features you need to take payments securely:

  • PCI compliance
  • Real-time data
  • Fast payouts 
  • Recurring billing
  • Global reach
  • Fraud prevention
Worldpay’s online payment gateway

The Worldpay online gateway lets you take safe and secure credit card, debit card, and PayPal payments through your website.

What does this mean for your customers?

The payment gateway gives your customers more ways to pay through the Virtual Terminal and pay per link features.

These handy touches make online payments as simple as possible, so more of your customers make it to the checkout.

Customers don’t even need to leave your site to make a payment. Instead, they can follow these three simple steps:

  • Add items to their online shopping basket
  • Enter their card details on a Worldpay hosted payment page or an integrated payment page
  • Their details are then sent to the payments gateway, where the payment is authorised

What does this mean for businesses?

As well as making life easier for customers, Worldpay’s payment gateway also offers a number of benefits for merchants:

  • Flexibility – Worldpay has a package built for businesses of all shapes and sizes
  • Business Manager Tool – This built-in feature lets you manage all your transactions, as well as access key reports and insights
  • Fraud protection – Worldpay is known for its advanced fraud protection, reliability, and user-friendly system

The features and benefits of merchant services are very similar, so it often comes down to the nitty-gritty when finding one that suits your business' needs. If you're fed up of searching, or simply want a simple way to compare a range of providers, our team of merchant account experts are on hand.

They've designed a super-simple questionnaire that provides them with enough information to pair you up with the right providers. In fact, in 2020 alone, they helped over 1,500 businesses find their merchant services provider, so there's no reason why they can't help you! Head on over to our questionnaire to get started.


Worldpay card machines

Worldpay offers a range of card machines and readers to cater for merchants’ differing business needs, including countertop card machines, portable card machines, and mobile card machines.

Worldpay

Example of Worldpay card machine

Take a look at our review of the best card machines for small businesses to see where Worldpay ranks.

Easy payments

Worldpay card machines make it easy for your customers to pay using most major electronic payments methods, including contactless and mobile wallets like Apple Pay and Google Pay.

And because Worldpay has some robust technology built in, payments are then authorised and processed speedily, giving you and your customers an all-round hassle-free experience.

Both countertop and wireless card machines let merchants accept credit and debit chip card payments, but they also feature every phone-lover’s favourite: near field communication (NFC) technology. This means you can accept contactless payments and mobile wallets as well.

Safety first

Worldpay stands out in being ultra-committed to safety and security. That’s why its card machines also feature tamper-resistant hardware, as well as EMV compatible features that help to prevent fraud.

You can also access online transaction reports, which will allow you to obtain an in-depth understanding of how your customers shop, as well as technical support and equipment replacement to keep you up and running.

Wifi free payments

Wireless card machines offer enhanced flexibility, allowing you to take payments at your table, at the bar, or anywhere in store. This saves you counter space and opens up multiple points of sale.

Dodgy internet where you are? Worldpay lets you take payment with Bluetooth through a telephone line, so you can make a sale even when your Wi-Fi is down (or never existed).

Worldpay transaction fees, rates and costs

worldpay fees rates and costs uk

Small businesses like Worldpay for its easy-to-understand pricing, fees and rates, without the surprises.

The Worldpay pay-as-you-go fees are 2.75% of each transaction plus £0.20. The rate for the pay monthly option is £19 a month. It’s free to process refunds, and there are no ‘hidden’ fees.

If you're purchasing a Worldpay card machine, you can pay either a fixed monthly rate or a custom rate.

The custom rate is £17.95 for a standard terminal per month for 18 months, and variable transaction rates (with a minimum charge of £15 per month) based on your sales volumes.

The initial cost of the device on a fixed monthly contract is £49.99 for an 18-month rental period. This is best for mid-sized companies with consistent transaction levels all year-around.

Included in your subscription is access to monthly service invoice online dashboard for £4.99 (free for the first three months).

Worldpay’s charges are headache-free

Worldpay’s fees, rates and overall pricing structures are designed to be as flexible and business-friendly as possible. It offers plans to suit small businesses and growing start-ups, and to make taking face-to-face and online payments easy.

Worldpay rates and fees: The small print

Are there any hidden fees? No – you know where you stand with Worldpay. As with most merchant accounts, there are also no setup fees.

It’s also free to accept international currencies, which will save you a bundle if you’ve got your sights set on reaching global customers.

You’ll also find it’s free to process refunds, and chargebacks are only £15 (this will be returned to you if the chargeback is unsuccessful) – that’s the same as PayPal.

You can read more on credit card processing costs here.

Here's a summary of Worldpay transaction fees and costs:

  • Worldpay pay-as-you-go cost: 2.75% of each transaction plus 20p
  • Worldpay pay monthly: £19 per month
  • Worldpay device cost: £17.95 (18-month contract)

Worldpay is only one example of a merchant services provider. Having helped small businesses for over 20 years, we know that business owners should compare products and pricing from a range of providers before they sign on the dotted line.

While you've got the pricing for Worldpay above, you can compare this to prices from several providers by using our comparison tool.  We ask you a few simple questions, you receive quotes from merchant service providers that suit your needs, and then you can really see how Worldpay stacks up against the rest – without spending hours on market research.


Why choose Worldpay's monthly package?

Worldpay’s tidy monthly plans are ideal for business owners who like:

Simplicity

One monthly fee that includes all standard charges; suitable for growing businesses

Fixed monthly payments

Pay the same price each month, including transaction and terminal rental; suitable for businesses that want to know costs in advance

Custom packages

Combined regular monthly charges and transaction fees that vary depending on volume and card; suitable for established businesses


Why choose Worldpay pay-as-you-go?

Designed to simplify charges, the pay as you go payment structure is perfect for business that are seasonally focused, and don’t take payments all year round.

Here’s why:

  1. There are no sign up fees
  2. You just pay a flat rate of 2.75% plus a 20p transaction charge
  3. The service doesn’t tie you into expensive or lengthy contracts, so you can stop using it whenever you need to
  4. You get the same transaction rates for both debit and credit card payments

Worldpay’s pay as you go service can be used online, as well as on mobile phones and tablets.


Worldpay add-ons

How much bang do you get for your buck? All Worldpay packages and payment types can be upgraded with a range of optional bolt-ons, including:

  • My Business Dashboard – Manage transactions and finances online.
  • Virtual terminal – Take payments over the phone.
  • Pay by link – Take payments via an email link.
  • Online payments gateway – Offer payments through a website.
  • Risk management – Check your payments for any fraud.
  • Future Pay – Offer internet versions of traditional recurring payment methods.

How does Worldpay compare to its competitors?

Worldpay and PayPal are both known for top-notch security and user-friendly payments, but Worldpay fees are miles easier to get your head round – and that makes all the difference for small businesses needing to plan costs.

Some movers and shakers like Zettle by PayPal, Square and SumUp offer more competitive transaction fees, and you can sometimes get your hands on your cash sooner. Worldpay offers expert support and ironclad security, but based purely on the numbers, here’s how they all compare:

0 out of 0
Card Reader
Device Cost
Transaction Fee
Settlement time

Worldpay

Square Online

SumUp

Zettle by PayPal

£17.95/month

£19 (inc. VAT)

£29

£29 for one reader (£59 for each subsequent device)

2.75% + 0.25p

1.75%

1.69%

1.75%

3-4 days

Instant deposits available (1% fee applies).

3 business days

2-3 business days

Still not sure whether Worldpay is a good fit for your business?

Then use our free-to-use comparison service and get bespoke quotes from the top providers based on your specific requirements.

All you need to do is supply us with some simple information about the industry you're involved with and how you're looking to take payments, and then we'll pair you with the best deal for your company – easy!

How does Worldpay keep my money safe?

Cashflow is so important for small businesses and start-ups, and you’re not alone in asking: will my money (and my customers’ payment details) be safe with Worldpay?

Worldpay has over 25 years’ experience in processing card payments, so you don’t have to worry about them dropping out of the game any time soon. Worldpay takes security very seriously, and you can benefit from:

  1. Robust fraud protection – A number of risk management monitors will flag anything fishy, plus you can set your own security standard (with CVC and AVS to verify online payments).
  2. PCI compliance – There’s a lot to get your head around when you start accepting card payments, but providers like Worldpay take care of the data compliance for you, using secure servers and anonymised tokens.

Being PCI compliant is good news:

  1. It reduces the risk of data security breaches
  2. It safeguards businesses against card fraud
  3. It gives customers extra confidence
  4. It helps businesses to avoid fines and non-compliance charges

Building a good transaction experience into your sales process is proven to keep customers happy (and coming back).


What is Worldpay’s customer support like?

Call centre customer support

Worldpay has plenty of payment gateway and card machine support, available 24/7 both online and over the phone.

Alternatively, if you’re after a more personal touch, Worldpay offers 24/7 phone support. If you want to switch your small business payment systems to Worldpay, there are dedicated teams available to make the process as smooth as possible.

But how do small businesses rate Worldpay’s customer support? Worldpay has a very respectable four out of five stars on reviews site Feefo, with users praising the “first class service” – and only the odd grumble about call wait times.

★★★★ (4.1) 81 verified customer user reviews on Feefo


What’s the verdict on Worldpay?

Worldpay is the UK’s leading payments provider and our number one choice for small business owners. It's simple, safe to use, and boasts reliable customer support as a reputable brand.

Here are the key points to remember:

  1. Faster payments – Worldpay makes payment a smooth process for you and your customers.
  2. Safer payments – Safety comes first for Worldpay, with robust fraud protection and PCI compliance.
  3. Simpler payments – Clear pricing is good for businesses who need predictable cashflows (though some rivals like Zettle by PayPal offer more competitive fees).
  4. Flexibility – Choose between Pay Monthly and Pay As You Go, and upgrade with any bolt-ons you want.
  5. 24/7 support – Expert support is available whenever you need it.

Worldpay specialises in making your life easier, making your payments safer, and helping more customers through the check-out.

Some of the newer kids on the block are able to offer lower transaction fees, but if they come with a bunch of hidden fees and cashflow dramas, you’re not really making a saving. That’s why it’s a good idea to talk through your options properly.


What's my next step?

Finding the right merchant provider depends on your individual needs, and the best way to decide who will give you the best deal is to talk directly to the suppliers.

That’s where we can help. Tell us what your business needs in our short questionnaire, and we’ll use our expertise to match you with the best merchant account service providers. The process is also a fast and free way to discover the best merchant rates for your business. Just answer the first question below to get started!

Compare Payment Service Providers and Save Is your business using a payment service provider?
Frequently Asked Questions
  • How do I apply for a WorldPay Internet Merchant Account?
    You can easily apply for a Worldpay merchant account on the company's website. Your WorldPay account will be automatically set up and ready for use upon completion of your online application.
  • How long do Worldpay payments take to clear?
    Worldpay will clear and settle every payment within a maximum of 7 working days. It typically takes 3-4 working days.
  • What is the difference between Worldpay and PayPal?
    The main difference between PayPal and Worldpay is that the latter has better customer service. Worldpay offers 24/7 phone service and, compared to PayPal, you are closer to real customer support teams based in the UK.
  • Can I accept international payments with Worldpay?
    Yes, you can accept payments from anywhere in the world.

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Aimee Bradshaw Senior Writer

Aimee is Startups' resident expert in business tech, products, and services. She loves a great story and enjoys chatting to the startups and small business community. Starting her own egg delivery business from the age of 12, she has a healthy respect for self-starters and local services.

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