WorldPay Review


The Gist

Worldpay wants to make payments simple, so your customers can pay however they want to pay. Their streamlined payment solutions are a perfect fit for any business from small to enterprise level operations whether in store or online.

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Worldpay Highlights

  • Bookkeeping and POS integration.
  • Free terminal available.
  • gateway for online payments.


  • Mobile app with free card reader.
  • Guaranteed 3 year pricing terms.
  • Interchange-plus plans available.
  • No application fees.


  • 3 year contract.
  • Annual auto-renewal with early termination fee.

Signing Up With Worldpay 

Worldpay has a straightforward sign up process that is as pleasant as a new signup could be when it comes to setting up a new service. Given that they’ve been around for nearly 3 decades, and were one of the pioneers of internet-based payment processing, I would hope they’ve found a way to streamline the onboarding process.

Because they’re a global provider, signup on the website begins with entering location information, then they collect the standard contact information including processing volume before making your submission for a contact request.

​There’s no phone number to call to start the process (the contact us link takes you to the same submission form) but when you submit your information a member of their sales team contacts you back promptly. This call gathers more details about your business, the type of transactions you’ll process, volume, equipment needs and more. Once your application is submitted approval typically comes in 24-48 hours – though this could take longer depending on factors such as merchant/industry risk.


Worldpay offers a pretty comprehensive set of services that I would consider standard in the industry. Setting up an account with Worldpay includes a variety of products/service access including the option to lease a terminal or purchase it outright. There are some stipulations with getting a free terminal so make sure you ask your sales rep about specific requirements.

If you do business outside of a brick and mortar you have the option of using for a gateway that can tie into any website with the API integration. There are also mobile processing options with the proprietary app and mobile card reader. Mobile processing options are pretty standard in the industry and Worldpay provides a single free card reader with your account – more are available depending on your processing volume.

Worldpay also integrates with most POS systems and they have a list of some 50 registered partners across different verticals (restaurant, retail, C-store, supermarket). In addition to that POS integration they also integrate with QuickBooks for streamlined bookkeeping.

Aside from being fully compliant with EMV processing, Worldpay also provides check processing, terminal supplies, cash advances, ATM services and programs for gift cards or customer loyalty cards/programs. 

Customer Support

Given the size of the merchant processor and their global reach it’s a given that Worldpay offers around the clock 24/7 customer service via phone. When I tested during the off hours (11 pm CST) I was able to reach a live person almost immediately.

Additional support is available on the website including an email contact for their customer service team. The support segment of the website features a merchant portal login and standard contact form. Below those options there is a complete FAQ along with gateway support. It would have been nice to see additional support options like a community forum or hardware specific guides.

Rates & Fees 

Finding the rates and fees with Worldpay can be a bit tricky if you want to browse before getting in touch with their sales team but they do exist with a little digging. You’ll hear similar rates when you speak with a rep on the phone.

For signature debit transactions expect .99% or higher with $0.20 transaction fee

For standard credit transactions it’s 1.99% or higher with $0.20 transaction fee.

Rewards credit transactions are 2.60% with the same transaction fee.

Corporate and keyed transactions are 3.30% with the same transaction fee.

Keep in mind that these rates can vary and don’t necessarily apply to every card type. You may get higher rate quotes though it’s entirely possible to negotiate with the sales representative for better pricing – especially if you have a quote from another merchant service that is offering a lower rate.

If you want the free terminal and card reader you can expect to sign for the long term 3 year contract. Any contract with Worldpay will feature an early termination fee so get the details from your sales representative on what that termination fee looks like. Worldpay is known for waiving contract termination fees from their agreements so ask for that, but be prepared for additional stipulations if that’s the case.

You’ll also want to ask about PCI compliance, monthly minimums and statement charges as all of these fees could apply to your account based on the negotiated contract.

Processing Options 

Being a world leader in payment processing, Worldpay prides itself on providing as many ways for customers to pay as possible. This includes and PayPal integration, mobile payment through application (keyed/scanned) and a mobile card reader (swipe with phone or tablet). You can also get a free terminal for every location you operate (pending approval and contract terms).

Accepted Payment Types 

Worldpay wants to make it easy for customers to pay with whatever method they have available to them. This includes Visa, MasterCard, Discover, American Express, electronic checks, EBT, PayPal, and gift & loyalty cards.

To Sum It Up 

Worldpay has the scale, resources and industry knowledge to get any business set up with the best credit processing options, regardless of the size of your business. With fair rates and guaranteed rate pricing over the contract term it’s a good starting point for small businesses and a cost-saving selection for mid to large sized organizations.

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Last Updated: April 2016


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