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. Written by Stephanie Lennox Updated on 16 June 2023 About us Startups was founded over 20 years ago by a multi-time entrepreneur. Today, our expert team of writers, researchers, and editors work to provide our 4 million readers with useful tips and information, as well as running award-winning campaigns. Our site is governed by the Startups editorial manifesto. Written and reviewed by: Stephanie Lennox Writer Robyn Summers-Emler Digital Growth Editor Our independent reviews are funded in part by affiliate commissions, at no extra cost to our readers. 4.7 out of 5 Price 3.7 Taking Payments 4.5 Features 4.5 Customer Support 5 Customer Score 3.8 Compare Costs Worldpay is the UK’s leading payment provider and earns an impressive 4.7 out of 5, overall, in our independent research. Based on our unique methodology and scoring system, it is our number one choice for small businesses. Our research highlights Worldpay for its excellent 24/7 customer support, and clear, and easy-to-understand pricing. But, Worldpay offers over 300 different payment methods, including card payments, online payments, and phone payments.So what to choose, and where to start? With so many rising costs amid the recession, you can't afford to pick a payment provider or fee structure that will come back to haunt you or your business.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 helping small business owners. How does Worldpay compare to other payment processing services? If you're considering Worldpay, then you may be reassured to know we've ranked it as our top payment processing service:Worldpay: Best overall payment processing serviceSquare: Best for taking mobile paymentsStripe: Best merchant service provider for online paymentsSumUp: Best for handling next day depositsBarclaycard Payments: Best merchant service provider for brand familiarityClick any of the links above to begin comparing costs on merchant account services for your own business's size and needs. In this guide, we'll go through Worldpay’s pricing, merchant services, and customer support. We also compare it with its top competitors, so you can check how its pros, cons, and costs stand up against rival providers.For a detailed breakdown of Worldpay's fees and benefits, we've put all of our expert knowledge into the guide below. This article will answer the following Worldpay questions: What is Worldpay? Worldpay pricing explained: transaction fees, rates & costs How does Worldpay compare to its competitors? Worldpay: Final Verdict Next Steps What is Worldpay? Compare Payment Systems Costs Answer a few quick questions, and our trusted team will match you with bespoke payment system quotes for your business Compare Costs It only takes a minute. Worldpay is a leading payment processing provider and it has, so far, supported over 400,000 merchants across 146 countries. This 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 Enlyft, an AI sales platform, 77% of businesses using a Worldpay mobile or the tablet point of sale (POS) system are based in the UK.Worldpay has spent the last three decades helping large businesses, like British Airways and Starbucks, as well as startups, accept a range of payment types (online and offline) across the globe.Small businesses that use Worldpay include:FeaturesWorldpay’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 – all such convenient and vital features, and for this reason, Worldpay scores 4.5 out of 5 in this area.It offers two main merchant services: an online payment gateway or a card machine.With both pay-as-you-go and pay monthly, you’ll get all the features you need to take payments securely:PCI complianceReal-time dataFast payouts Recurring billingGlobal reachFraud preventionWorldpay’s payment gateway also offers:Flexibility – Worldpay has a package built for businesses of all shapes and sizesBusiness Manager Tool – This built-in feature lets you manage all of your transactions, as well as access key reports and insightsFraud protection – Worldpay is known for its advanced fraud protection, reliability, and user-friendly systemWe went out and actively engaged with the local business community in London to establish connections with various enterprises and delve into their user experiences with the card readers. Our intention was to gain firsthand experience and a more comprehensive understanding of their dynamics – from identifying both the commendable aspects, and the areas for improvement.Kameron Patel, the manager at Nisa Local described the Worldpay machine as “a basic payment reader”, but this description was emphasised in a positive way. He further explained that it hadn't ever caused him any hassle, and did what it was meant to do efficiently with no problems.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 with searching, or want a simple way to compare a range of providers, our team of merchant account experts are on hand.Fill in a simple questionnaire, providing us with enough information to pair you up with the right providers. In fact, in 2020 alone, we helped over 1,500 businesses find their merchant services provider, so there's no reason why we can't help you! Head on over to use our handy 🔍cost comparison tool to get started. Loading Customer support A five-star review from Wild Jacks on Trustpilot: “I contacted Worldpay to get a review of our prices, Daniela Sardone couldn't have been any more helpful, not only did she provide me with a very competitive quote, but she also went further and undercut another provider who had offered a better rate. She also agreed to fast track our new terminal as we are on a tight timeframe. Deffo recommend, and speak to Daniela.”(Source) Worldpay has plenty of card machine and payment gateway support, available over the phone and online, 24/7.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 score of 4.2 out of 5 on the review site, Trustpilot. Some praise the “great customer service”, and others have complaints about technical issues and wait times.Customer scoreWorldpay scores high for customer score and satisfaction, mostly for the ease of their payment features, affording them an excellent overall score of 5 out of 5 for customer service.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 basketEnter their card details on a Worldpay hosted payment page or an integrated payment pageTheir details are then sent to the payments gateway, where the payment is authorisedThe 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, helping ensure more of your customers make it to checkout.Payment OptionsThe Worldpay online gateway lets you take safe and secure credit card, debit card, and PayPal payments through your website.Worldpay and PayPal are both known for top-notch security and user-friendly payments, but Worldpay's fees are easier to get your head round. This knowledge makes all the difference for small businesses needing to plan costs.Worldpay card readersAn example of Worldpay card machineWorldpay 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.We spoke to Kameron Patel, the manager at Nisa Local, who provided a positive description of the Worldpay card machine, referring to it as a “simple yet efficient” payment reader. He expressed satisfaction with its performance, highlighting that it had never caused him any inconvenience and fulfilled its intended purpose seamlessly.Kameron acknowledge an occasional sluggishness in connectivity, but clarified that this is dependent on the broadband server and not Worldpay's fault. To mitigate such situations, he suggested that small businesses should consider having a backup system in place for emergencies.Prior to adopting Worldpay, Kameron had been using Paymentsense, which he regarded as the worst machine he had encountered, even worse than those provided by HSBC or Barclays. He described Paymentsense as outdated, antiquated, and slow, noting that it printed double receipts, which he considered wasteful to the environment.According to Kameron, Worldpay is highly competitive, and he expressed contentment with the terms of his contract.Take a look at our review of the best card machines for small businesses to see where Worldpay ranks. Worldpay pricing explained: transaction fees, rates, and costsSmall businesses like Worldpay for its easy-to-understand pricing, fees, and rates, without any of the surprises – on the downside however, it does tend to have higher than average terminal fees – so for these reasons, we have awarded Worldpay an average score of 3.8 out of 5 when it comes to pricing overall.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 per 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 £17.50/mo 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 medium-sized companies with consistent transaction levels all year round.For the first three months the monthly service invoice online dashboard (normally £4.99) is included in your subscription, for free.Worldpay’s charges are headache-freeWorldpay’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 startups, and aims to make taking face-to-face and online payments easy.Worldpay rates and fees: the small printAre 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) – this is the same as PayPal.You can read more on credit card processing costs.Here's a summary of Worldpay transaction fees and costs:Worldpay pay-as-you-go cost: 2.75% of each transaction plus 20pWorldpay pay monthly: £19.95 per monthWorldpay device cost: £17.50/mo (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 🔍free comparison tool. We'll ask you a few simple questions and you'll receive quotes from merchant service providers that suit your needs. You can then really see how Worldpay stacks up against the rest – without spending time on market research.Why choose Worldpay's monthly package?Worldpay’s tidy monthly plans are ideal for business owners who like:SimplicityOne monthly fee that includes all standard charges; suitable for growing businessesFixed monthly paymentsPay the same price each month, including transaction and terminal rental; suitable for businesses that want to know costs in advanceCustom packagesCombined regular monthly charges and transaction fees that vary depending on volume and card; suitable for established businessesWhy 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:There are no sign up feesYou just pay a flat rate of 2.75% plus a 20p transaction chargeThe service doesn’t tie you into expensive or lengthy contracts, so you can stop using it whenever you need toYou get the same transaction rates for both debit and credit card paymentsWorldpay’s pay-as-you-go service can be used online, as well as on mobile phones and tablets.Worldpay add-onsHow 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 onlineVirtual terminal: take payments over the phonePay by link: take payments via an email linkOnline payments gateway: offer payments through a websiteRisk management: check your payments for any fraudFuture Pay: offers internet versions of traditional recurring payment methodsHow does Worldpay keep my money safe?Cashflow is so important for small businesses and startups, and you’re not alone in asking ‘will my money (and my customers’ payment details) be safe with Worldpay?'Worldpay has over 25 years of experience when it comes to 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: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).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:It reduces the risk of data security breachesIt safeguards businesses against card fraudIt gives customers extra confidenceIt helps businesses to avoid fines and non-compliance chargesBuilding a good transaction experience into your sales process is proven to keep customers happy (and coming back).Is there a free plan?There is no free plan with Worldpay, unlike some of its competitors – Square, Paypal and Stripe for example. How does Worldpay compare to its competitors?While Worldpay is a solid provider, some movers and shakers, like Zettle by PayPal, Square and SumUp, offer 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 compare: Swipe right to see more 0 out of 0 backward forward Card Reader Worldpay Card Reader Square Online Card Reader SumUp Card Reader Zettle by PayPal Device Cost £17.95/month Device Cost £19 (inc. VAT) Device Cost £29 Device Cost £29 for one reader (£59 for each subsequent device) Transaction Fee 2.75% + 0.25p Transaction Fee 1.75% Transaction Fee 1.69% Transaction Fee 1.75% Settlement time 3-4 days Settlement time Instant deposits available (1% fee applies). Settlement time 3 business days Settlement time 2-3 business days Use our simple tool to get comparable costs for your business needs Compare Costs Our methodology: how did we evaluate Worldpay for small businesses?When it comes to deducing a score, we look at our research and the statistics of each provider's features, both individually and overall in the marketplace. We then combine these to reach a conclusion about each provider.We evaluated Worldpay on five key factors:PriceTaking paymentsFeaturesCustomer supportCustomer scoreAccording to our readers, these are the top areas they look at when choosing a merchant account. Our researchers the compile the data so that you can rely on our ratings, and know that they aren’t simply pulled out of thin air. The information consists of what is being offered in the current market, the dynamics of the key segments within the market and, of course, to ensure that we're providing you (our readers) with the most accurate, thorough, and well-researched information at all times. Worldpay: Final VerdictWorldpay is the UK’s leading payments provider and our number one choice for small business owners. As a reputable brand, it's simple, safe to use, and boasts reliable customer support.Here are the key points to remember:Faster payments: Worldpay makes payment a smooth process for you and your customers.Safer payments: safety comes first for Worldpay, with robust fraud protection and PCI compliance.Simpler payments: clear pricing is good for businesses that need predictable cashflows, though some rivals, like Zettle by PayPal, offer competitive fees.Flexibility: choose between Pay Monthly and Pay As You Go, and upgrade with any bolt-ons you want.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 drama, you may not not really be making a saving. This is why it’s a good idea to consider all of your options. Next stepsFinding 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 using our free, handy 🔍cost comparison tool, 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! Still not sure whether Worldpay is a good fit for your business? Use our 🔍free quote comparison tool 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, how you're looking to take payments, and we'll pair you with the best deal for your company – simple! Worldpay 4.7 Worldpay is a complete online payments service that gives you the ability to take payments directly from your website or app. Compare Costs Price Minimum £19 + VAT Fees 0.75%-2.75% Monthly: £19/mo + 2.75% (credit cards) & 0.75% (debit card) Pay as you go: 2.75% + £0.20 (for both credit and debit cards) Offers 100+ integrations - the most out of all providers we reviewed by far The only provider out of the ones we reviewed with a 24/7 phone number Highest rated for Customer Service Summary Worldpay is a complete online payments service that gives you the ability to take payments directly from your website or app. Easy to integrate and easy to use, our API helps developers to create bespoke checkout forms that can be activated and ready to take payments within 24 hours. Show moreless Frequently Asked Questions Can Worldpay be trusted? Based on our research, which sees Worldpay receive an overall score of 4.7 out of 5 for security, and our 20 years of experience, we've concluded that Worldplay is indeed a trusted provider for small businesses. What percentage do Worldpay take? Worldpay takes a fixed monthly payment of £9.95 minmum, plus 2.75% (for credit cards) & 0.75% (for debit cards). How do I apply for a WorldPay Internet Merchant Account? You can easily apply for a Worldpay merchant account on the company's website. Upon completion of your online application, your WorldPay account will automatically be set up and ready for use. How long do Worldpay payments take to clear? Worldpay will clear and settle every payment within a maximum of seven working days. It typically takes three to four 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 with 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. Startups.co.uk is reader-supported. If you make a purchase through the links on our site, we may earn a commission from the retailers of the products we have reviewed. This helps Startups.co.uk to provide free reviews for our readers. It has no additional cost to you, and never affects the editorial independence of our reviews. Share this post facebook twitter linkedin Written by: Stephanie Lennox Writer Stephanie Lennox is the resident funding & finance expert at Startups: A successful startup founder in her own right, 2x bestselling author and business strategist, she covers everything from business grants and loans to venture capital and angel investing. With over 11 years of hands-on experience in the startup industry, Stephanie is passionate about how business owners can not only survive but thrive in the face of turbulent financial times and economic crises. With a background in media, publishing, finance and sales psychology, and an education at Oxford University, Stephanie has been featured on all things 'entrepreneur' in such prominent media outlets as The Bookseller, The Guardian, TimeOut, The Southbank Centre and ITV News, as well as several other national publications.