Worldpay
Steven Harrods
About the brand
Worldpay is a leading global provider of merchant services, processing trillions of transactions annually for over one million businesses. It supports businesses of all sizes with secure, efficient, and flexible payment solutions, covering a wide range of payment methods, including credit cards, digital wallets, and alternative payments. With a strong focus on innovation and security, Worldpay helps businesses streamline online, in-person, and mobile transactions while ensuri...ng compliance with industry standards. This review will cover its key merchant services features, pricing, ease of use, and customer support, helping you determine if it’s the right solution for your business. Read more
9.0
Price
10
Ease of use
10
Features
10
Service
9.8
Overall
Our Verdict
Worldpay stands out as a versatile and scalable merchant services provider, catering to UK businesses of all sizes and industries. Its pricing model is tailored based on your annual card turnover, ensuring smaller businesses get simple fixed rates while high-volume merchants benefit from bespoke, cost-effective pricing.
With comprehensive payment processing, advanced fraud protection, next-day funding, and seamless EPOS integrations, Worldpay simplifies transactions while enhancing security and efficiency. Its intuitive platform, extensive UK-based support options, and wide range of features make it a powerful all-in-one solution for businesses looking to streamline operations and optimise cash flow.
Pros
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Simple fixed rates for businesses under £75k turnover
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Custom, lower pricing for high-volume businesses
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Next-day funding helps maintain cash flow
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24/7 UK-based telephone and technical support
Cons
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Standard contracts often range from 18 to 36 months
Plans & Pricing
Worldpay structures its UK pricing based on a business’s annual card turnover. This ensures that smaller enterprises get straightforward fees, while larger operations can negotiate better rates.
Businesses under £75,000 annual card turnover: Worldpay offers a “Simplicity” plan with fixed rates, making it easy to forecast your costs.
- In-person transactions: 1.5% fixed fee.
- Online transactions (eCommerce gateway): 1.3% + 20p per transaction (with no monthly gateway fee).
- Card machine rental: Starting from £17.50 + VAT per month.
Businesses over £75,000 annual card turnover: Merchants exceeding this threshold are eligible for custom pricing packages.
- In-person transactions: Bespoke rates starting from as low as 0.75% + 4.5p per transaction.
- Online transactions: Custom rates typically ranging from 1% to 2.9% + 4.5p.
- Account fees: Depending on your setup, minimum monthly service fees (usually around £15) and PCI compliance fees (around £5/month) may apply.
(Note: Pricing requires a custom quote to confirm exactly what your specific industry and card mix will cost. Contact Worldpay directly for an accurate assessment.)
In-depth review
Performance
Worldpay ensures reliable, uninterrupted payment processing, even during peak sales. Next-day funding improves cash flow, giving businesses quick access to revenue.
The system supports multiple payment methods, including credit/debit cards, ACH transfers, Google Pay, and gift cards. Fraud protection, chargeback management, and PCI compliance provide strong security.
With seamless third-party integrations, businesses can connect CRM platforms, booking systems, and more. The intuitive interface simplifies payment management, while real-time analytics offer insights to optimize operations. Scalability support helps businesses expand smoothly.
Features and Functionality
Worldpay offers a expansive suite of merchant services designed to support businesses with secure, efficient, and flexible payment solutions. From payment processing to advanced analytics, Worldpay provides tools to streamline transactions and enhance business operations. Key features include:
Payment Processing
As a direct processor, Worldpay eliminates intermediaries. Supported payment methods include credit and debit cards, Bacs bank transfers, payment links, and digital wallets like Apple Pay, Google Pay, and PayPal.
Card Machines & EPOS Solutions
Worldpay provides a range of EPOS hardware, including the DX4000 countertop terminal and the mobile DX8000 terminal. These devices integrate seamlessly with Worldpay’s software, enabling real-time inventory tracking and sales monitoring.
Next-Day Funding
To improve cash flow, Worldpay ensures that payments are deposited into merchant bank accounts the next day, offering faster access to funds compared to many competitors.
Third-Party Integrations
Worldpay integrates with a wide range of third-party applications, including CRM systems, booking platforms, and marketing tools. These integrations help businesses streamline operations and enhance their payment solutions.
Fraud Detection & Security
Worldpay uses data-driven fraud prevention to quickly assess and mitigate fraudulent transactions. Built-in data breach protection safeguards business and customer data.
Custom Reporting & Analytics
The system provides detailed custom reports on sales performance, customer behavior, revenue forecasting, and marketing promotions. Business owners can track real-time trends and adjust strategies as needed.
Loyalty Program Integration
Businesses can integrate loyalty programs and gift cards, allowing for personalized rewards and improved customer retention.
Batch Processing & Recurring Billing
Merchants can process multiple transactions at once using batch processing, while recurring billing automates subscription-based or regular payments.
Chargeback Management
Worldpay helps businesses dispute and resolve chargebacks, reducing the time spent on transaction disputes.
24/7 Customer Support & Device Replacement
Worldpay offers round-the-clock technical support, along with 24-hour device replacement in case of hardware failure to minimize downtime.
With its broad range of merchant services, Worldpay provides businesses with a secure, scalable, and efficient payment processing solution.
Hardware Requirements
Worldpay provides a range of merchant service hardware options designed to accommodate various business needs. The specific hardware requirements depend on whether a business operates in-store, online, or a combination of both.
Card Payment Terminals
Worldpay offers fixed and mobile payment terminals for seamless transaction processing:
- Countertop Terminals: Require a stable internet connection (Ethernet or Wi-Fi) and a power source. Ideal for traditional retail counters.
- Mobile Terminals: Operate via Wi-Fi or 4G cellular networks, offering flexibility for hospitality businesses or tradespeople who need to accept payments on the go.
- EPOS Systems: Merchants can use Worldpay Smart Terminals—all-in-one devices with built-in receipt printers, touchscreens, and inventory management features.
Point-of-Sale (POS) Hardware
Merchants using Worldpay’s POS solutions will need compatible devices:
- Worldpay Smart Terminals – All-in-one devices with built-in receipt printers, touchscreens, and inventory management features.
- Barcode Scanners – Used for quick product lookup and inventory control.
- Receipt Printers – Thermal or ink printers for providing customers with transaction receipts.
- Cash Drawers – Optional for businesses handling cash payments.
System Requirements for Virtual Payment Processing
For businesses using Worldpay’s Virtual Terminal (VPOS) or integrating payment solutions with existing software, the following system requirements apply:
- Computer or Tablet – Must have an updated browser (Chrome, Edge, Firefox, or Safari).
- Operating System Compatibility – Supports Windows, macOS, iOS, and Android.
- Internet Connection – A stable broadband connection (Wi-Fi, Ethernet, or mobile data) for real-time processing.
Worldpay ensures hardware flexibility, allowing businesses to integrate existing compatible devices or upgrade to fully integrated POS systems for a seamless transaction experience.
Integrations & Add-ons
Worldpay offers a broad range of integrations to enhance payment processing, security, and business management. Its flexible system connects with third-party tools, making it easier for businesses to streamline operations.
E-Commerce & Payment Processing
Worldpay integrates with major e-commerce platforms, ensuring smooth online transactions:
- Shopify, WooCommerce, Magento, BigCommerce – Sync sales, inventory, and payments.
- Custom API – Businesses can connect Worldpay to existing websites or applications.
CRM & Business Management
Seamlessly manage customer relationships and business operations with integrations for:
- Salesforce, HubSpot, Zoho CRM, Nimble – Automate marketing and track customer interactions.
- QuickBooks, Xero, FreshBooks – Sync transactions with accounting software.
Fraud Prevention & Security
Protect your business with built-in security features:
- Fraud Prevention Suite – AI-driven monitoring to detect fraudulent transactions.
- Chargeback Management – Automated tracking and dispute resolution.
- PCI Compliance & 3D Secure – Ensures secure transactions.
- Data Breach Insurance – Financial protection against cyber threats.
Marketing & Loyalty Programs
Enhance customer engagement with loyalty and marketing integrations:
- Fivestars, Belly, Yotpo – Automate rewards and collect customer reviews.
- Mailchimp – Manage email marketing campaigns.
- Facebook & Instagram Ads – Track and optimize digital advertising efforts.
With extensive integrations across e-commerce, CRM, security, accounting, and marketing, Worldpay helps businesses customize their merchant services for maximum efficiency.
Ease of Use
Worldpay’s intuitive interface makes managing payments, reporting, and business operations straightforward. The quick onboarding process is supported by step-by-step guides, ensuring an easy setup for new users.
Seamless third-party integrations allow businesses to sync Worldpay with existing tools and devices, streamlining operations. Mobile accessibility lets users manage transactions and customer interactions on the go, providing flexibility for busy merchants.
With features like custom invoices, recurring payments, and POS system integration, Worldpay adapts to various business needs, making it a versatile and user-friendly merchant services solution.
Customer Service
Worldpay provides extensive support resources to help merchants navigate its services. The Knowledge Management Centre offers detailed guides, while the FAQ section provides quick answers.
For real-time assistance, active users can access 24/7 technical support via phone. Merchants can also raise technical queries or use the live chat tool directly from their Worldpay Dashboard. The UK sales team operates during standard business hours, with options to request a callback.
Phone Support
You can reach Worldpay phone support during business hours and tech support 24/7
Live Online Chat
Worldpay's live chat support can be reached 24/7 on their website
Worldpay offer email support in the form of their ticket system on their website
User Reviews
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Steven Harrods
We make the best effort to present up-to-date information; however, the terms of each offer can be revised according to the service provider’s discretion. The above shall not be considered as an expert or professional advice for any matter.
9.0
Price
10
Ease of use
10
Features
10
Service
9.8
Overall
Thank you!