Worldpay Review & Fee Analysis

• Authorisation fee: 4.5p
• Chargeback fee: £20
• Card Machines: £15-£30/month+VAT per terminal
• Payment Gateway: Included
• PCI DSS service fee: £5 per month
• Minimum monthly service charge (MMSC): £15.00
• Cards Accepted: Visa, Mastercard, American Express
• Settlement speed: 24 hours

Here is a guide on other card processing fees that all businesses need to be aware of.

Worldpay Card Machines

Worldpay offers two card terminals: the Ingenico DX4000 and the Axium DX8000. The monthly fees will depend on whether a fixed fee or a custom pricing contract has been signed.

1. Simplicity Pricing Plan: A flat structure of 1.50% per transaction and monthly terminal hire from £17.50 per month (18-month contract).
2. Custom Pricing Plan: Bespoke transaction rates and monthly terminal hire from £10 per month (18-month contract). Suitable for businesses with over £75K annual turnover.

Device	Ingenico DX4000	Ingenico Axium DX8000
Monthly fee (Simplicity Plan)	£17.50/month	£22.50/month
Monthly fee (Custom Plan)	£10/month	£15/month
What it is	Countertop terminal with built-in printer, designed for fixed tills	Android portable terminal with 6″ touchscreen, rechargeable battery

Worldpay’s terminal hire is structured around an 18-month contract, with rental starting from £10 per month under its Simplicity Plan.

Transaction fees vary depending on merchant turnover, card mix, and sales channels, with higher-volume businesses typically paying lower rates (see indicative rates in the section above)

As with other acquirers, the choice of card machine affects rental costs and connectivity, but not the underlying transaction fees, which are determined by your business profile.

Worldpay Online Payment Solutions

The standard Worldpay gateway is £19.95 per month, which includes 350 transactions per month. As you’d expect, they offer low-code and highly customisable integration options.

Hosted payment pages

This is a low-code checkout solution, enabling merchants to embed a pre-built payment page with their own branding. There are three integration options:

• Hosted checkout: Full page redirect to a Worldpay-hosted checkout with the look and feel of the merchant’s brand.
• Iframe: Insert the iframe code into your own website, which will then display the Worldpay-hosted checkout page within the iframe.
• Lightbox popup: The checkout form hosted by Wordlpay is shown in a lightbox popup.

Developer resources included for these are: Single API integration, Built-in Apple Pay & Google Pay, PCI DSS scope reduction, WCAG-compliant, responsive UI

Access Checkout SDKs (Software Development Kits)

Worldpay offers SDKs for Web, Android, iOS, and React Native, enabling faster integration of payment acceptance into apps and websites. SDKs include turnkey support for Apple Pay and Google Pay, along with WCAG-compliant, mobile-responsive UI design.

Their SDKs support payments made with American Express, Carte Bancaire, Discover, Diners, EFTPOS, ELO, JCB, Maestro, Mastercard, Mastercard Debit, Visa, Visa Debit, and Visa Electron (UK only).

APIs

Worldpay has a range of APIs, covering payments, fraud, tokenisation, 3DS/SCA. Their payments API supports American Express, Discover, Diners Club, EFTPOS, JCB, Maestro, Mastercard, Mastercard Debit, Visa, Visa Debit, and Visa Electron (UK only). Apple Pay and Google Pay digital wallets are also accepted.

Customers can pay with a new card or by using a stored card and CVC number. Recurring payments are also possible.

Plugins & Extensions

There are certified Worldpay plugins and extensions for Adobe Commerce/Magento2, Oracle Netsuite, Salesforce, SAP Commerce, and commercetools. For businesses needing simple no-code options, Pay by Link and a Virtual Terminal are available through the Simplicity Gateway.

Security & Compliance

For in-person (card machine) payments:

All of Worldpay’s Ingenico devices (Desk 5000, DX4000, Move 5000, DX8000) are PCI PTS 5.x certified, indicating compliance with international hardware security standards. Each terminal processes transactions using EMV chip & PIN, magstripe, and NFC/contactless, with secure encryption applied. Worldpay also supports point-to-point encryption (P2PE) on its card machines, ensuring card data is protected end-to-end from the point of entry through to the processor.

For online/eCommerce payments:

For online transactions, Worldpay combines several layers of fraud prevention and compliance. Its FraudSight system applies machine learning to more than 40 billion transactions each year, supported by a team of over 120 fraud and data scientists. This approach helps merchants lower their chargebacks, improve approval rates, and support omnichannel commerce by recognising legitimate transactions more easily.

Worldpay also provides built-in support for 3D Secure 2 to meet PSD2’s SCA requirements. Through its 3DS API, exemptions can be applied using Transaction Risk Analysis, helping businesses balance security with a smoother checkout experience. Additionally, tokenisation allows sensitive card data to be stored securely as tokens, thereby reducing the PCI DSS scope and enabling recurring billing or subscription models.

Finally, merchants using Hosted Payment Pages benefit from Worldpay handling card data directly, which significantly reduces the PCI compliance worries businesses often face. Worldpay also manages ongoing scheme mandate updates for you (such as Visa and Mastercard rule changes), ensuring businesses remain compliant without extra work on their behalf.

International Payment Processing Capabilities

Worldpay is one of the largest global merchant acquirers, supporting payment acceptance across 146 countries and settlement in multiple currencies. It can process transactions in around 135 currencies, making it a strong option for UK businesses with multi-national eCommerce needs or international customer bases.

Alternatives to Worldpay

Worldpay’s direct competitors include Barclaycard, Elavon, Global Payments, and Lloyds Bank Cardnet, all of which offer similar acquiring and gateway solutions to SMEs and corporates.

In the enterprise space, global leaders like Adyen, Stripe, and Checkout.com have gained traction by providing more flexible developer tools and multi-acquirer routing, which tend to appeal to fast-growing online retailers.

At the smaller end of the market, providers such as Dojo, Square, Zettle, and SumUp are increasingly popular among low-turnover businesses and start-ups seeking a simple, flat-rate pricing structure with no long-term contracts.

When comparing Worldpay against its rivals, it is most suited to SMEs that need multi-channel support and international capabilities, but it is less competitive on simple, entry-level card readers.

Business Health & Future Prospects Health

Worldpay is currently in a period of transition following its agreed acquisition by Global Payments in April 2025, a deal valued at over $24 billion.

As part of the deal, Global Payments expects to achieve around $600 million in annual cost savings within three years of the integration. These savings are achieved by combining technology systems, streamlining operations, and eliminating duplicate costs. They also anticipate $200 million in additional revenue opportunities, including cross-selling services and expanding their international reach. For merchants, services continue as normal for now. The impact on pricing or support will only be clear once the merger is completed.

The UK Competition & Markets Authority (CMA) has opened an inquiry into whether combining the two major merchant acquirers could reduce competition in the UK acquiring market, particularly for SMEs. Regulators are investigating if the merger might lead to higher prices, fewer choices, or slower innovation for businesses. Until this review is complete, there is uncertainty around how and when the deal will progress, and what impact it may have on Worldpay’s UK customers.

The figures below represent the projected scale of the combined Global Payments and Worldpay business following the announced acquisition (April 2025).

Key trends from Worldpay’s Global Payments Report 2025 suggest that digital wallets have become the dominant global payment method, accounting for 52% of eCommerce spend worldwide, with 32% in the UK. Debit and credit cards remain strong at 54% of UK online payments, but BNPL already represents 13% of UK eCommerce value.

These trends play directly into Worldpay’s strengths in multi-currency processing and global reach, but also underline the need for it to keep pace with wallets, BNPL, and alternative payment methods if it wants to maintain its share against newer fintech competitors.

Latest Worldpay News

• Global Payments to acquire Worldpay for $24.25 billion in a three-way deal with Fidelity National Information Service and private equity firm GTCR. (announced April 17^th, 2025; expected H1 2026). 
• Worldpay and Trulioo announced a collaboration to integrate identity verification and fraud prevention tools directly to Worldpay’s payments stack, aiming to build greater trust in AI-driven commerce. 
• Worldpay and Mastercard have expanded their partnership in the UAE to support greater acceptance of digital payments, including card and mobile transactions, as part of efforts to accelerate cashless adoption in the region. The country wants to achieve a 90% cashless economy by the end of 2026. 
• In July 2025, Worldpay launched Worldpay for Platforms in the UK and Canada, which works as an embedded payment service that allows software platforms and marketplaces to integrate Worldpay’s infrastructure directly so that merchants can sign up, get paid, and take payments all in one place. 
• Worldpay and Visa launched Click to Pay in March 2025, a software that allows customers to complete transactions using a single click, eliminating the need to manually enter card details. 

Customer Service and Tech Support

Worldpay claims to offer a peace of mind package with a quick replacement service that exchanges faulty terminals within 24 hours

• Merchant account & terminals: UK 03457 61 62 63 (24/7).
• Online gateway & Virtual Terminal: 0330 333 1233 (24/7).
• Republic of Ireland: 1 800 24 26 36.
• Complaints address: Victory House, Fifth Avenue, Gateshead NE11 0EL.