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Card processing review

Worldpay

Worldpay, part of Global Payments since January 2026. It publishes no US rates or fees: pricing (interchange-plus or tiered) is set in your application. Its published small-merchant terms set 36 months that renew for 36 more unless you give 90 days' notice, make Worldpay your exclusive processor at all your locations, and set an early deconversion fee written in your application. It offers a surcharge program (Fee Assist) and 24/7 phone support.

By Worldpay (Global Payments)Parent company: Global Payments Inc. (NYSE: GPN)
Not enough data to score

Not enough verified data yet

We've verified 8 of 12 key facts for this processor. Until we reach 80%, this page shows what we have, with sources, and it isn't a full review.

Our verdict

For a restaurant there's nothing public to compare on price: Worldpay's rates, fees and exit fee come in your application. Read the renewal clause (36 more months unless you give 90 days' notice) and the right of first refusal, and ask for every fee in writing.

What we like

  • 24/7 phone support for small businesses.
  • Month-to-month equipment rental that either side can end with 30 days' notice, besides buying.
  • Offers a surcharge program (Fee Assist).

What to watch

  • No published US rates or fees: you can only compare it with a quote.
  • Its published small-merchant terms renew for another 36 months unless you give notice at least 90 days before the term ends.
  • Its published terms make Worldpay your exclusive processor at all your locations and give it a right of first refusal: before you leave or don't renew, it can match the offer of the processor you want to move to.
  • Rates can change with notice and the terms offer no way out without the exit fee when they do; ending the processing agreement doesn't end an equipment lease.
  • The signer gives a continuing unlimited personal guarantee.

How the score breaks down

RTC ScoreNot enough data

Methodology v0.1.0

We could verify less than 60% of what we score, so we don't rank it.

Data completeness37%

We could verify 37% of the scoring data

Strongest points
24/7 support, Price increases during the contract, Support channels
Weakest point
Published pricing

Score by criterion

  • 12-month cost of the reference restaurantWeight 37%No data
  • Standard deposit speedWeight 11%No data
  • What leaving in month 12 costsWeight 9%No data
  • Price increases during the contractWeight 8%Strongest3.0 out of 10
  • Published pricingWeight 7%Weakest0.0 out of 10
  • 24/7 supportWeight 6%Strongest10.0 out of 10
  • Contract termWeight 4%2.5 out of 10
  • Support channelsWeight 4%Strongest5.0 out of 10
  • No equipment lease you can't cancelWeight 3%No data
  • Works with restaurant POS systemsWeight 3%1.7 out of 10
  • Automatic renewalWeight 2%2.5 out of 10
  • Equipment works with another processorWeight 2%No data
  • Offers dual pricing or a surcharge programWeight 2%10.0 out of 10
  • Works without the vendor's own POSWeight 1%10.0 out of 10

Before you pass the card fee to your customers

This vendor offers a program that passes the card cost to your customers. Card network rules cap credit card surcharges (Visa 3%, Mastercard 4%) and never allow them on debit, and some states ban or limit them.

This is general information, not legal advice. Card network rules and state laws change, and how they apply depends on your business: check with a lawyer and with your processor before adding a surcharge or a cash discount.

See the rules by state

All the data, with sources

Each value links to its source. "Not published" means the vendor doesn't disclose it; "Unconfirmed" means we looked and couldn't confirm it. Data points we have for fewer than four vendors are left out until we can compare them.

Type of processor and pricing
Data pointValue
Type of processorProcessor or its sales partners (acquirer, ISO)Source: Global Payments (opens in a new tab)An acquirer that is now part of Global Payments (which also owns Heartland). It sells to small businesses directly and through sales partners and banks.
Pricing modelOnly by quoteSource: Worldpay, LLC (opens in a new tab)Its terms describe interchange-plus and tiered pricing; which one you get, and the rates, are set in your application. From the small-merchant terms Worldpay publishes for its Umpqua Bank referral program (April 2025), the only US merchant terms we found on Worldpay's own sites; your agreement may differ.
Published pricing (points out of 100)0Source: Worldpay (Global Payments) (opens in a new tab)Same rubric for every vendor: in-person rate 0, online or keyed rate 0, markup or monthly fee 0, early termination fee 0 (the Early Deconversion Fee is set in the application), other fees 0. Worldpay publishes no US prices.
Card rates
Data pointValue
In-person rateQuote onlySource: Worldpay (Global Payments) (opens in a new tab)Worldpay publishes no US rates or fees: they are set in your application and fee schedule.
In-person fee per transactionQuote onlySource: Worldpay (Global Payments) (opens in a new tab)Worldpay publishes no US rates or fees: they are set in your application and fee schedule.
Online rateQuote onlySource: Worldpay (Global Payments) (opens in a new tab)Worldpay publishes no US rates or fees: they are set in your application and fee schedule.
Online fee per transactionQuote onlySource: Worldpay (Global Payments) (opens in a new tab)Worldpay publishes no US rates or fees: they are set in your application and fee schedule.
Keyed-in rateQuote onlySource: Worldpay (Global Payments) (opens in a new tab)Worldpay publishes no US rates or fees: they are set in your application and fee schedule.
Keyed-in fee per transactionQuote onlySource: Worldpay (Global Payments) (opens in a new tab)Worldpay publishes no US rates or fees: they are set in your application and fee schedule.
American Express pricingQuote onlySource: Worldpay, LLC (opens in a new tab)Depends on your pricing: with interchange-plus pricing American Express is passed through at its cost plus Worldpay's fees; with tiered pricing it is in your discount rate.
American Express rateQuote onlySource: Worldpay, LLC (opens in a new tab)Worldpay publishes no US rates or fees: they are set in your application and fee schedule.
Rates by monthly volumeNot publishedSource: Worldpay (Global Payments) (opens in a new tab)Worldpay publishes no rates by volume.
Monthly and other fees
Data pointValue
Monthly account or plan feeQuote onlySource: Worldpay, LLC (opens in a new tab)Worldpay publishes no US rates or fees: they are set in your application and fee schedule.
Annual fee per accountQuote onlySource: Worldpay, LLC (opens in a new tab)Worldpay publishes no US rates or fees: they are set in your application and fee schedule.
Annual fees per device or locationQuote onlySource: Worldpay, LLC (opens in a new tab)Worldpay publishes no US rates or fees: they are set in your application and fee schedule.
PCI compliance fee (yearly)Quote onlySource: Worldpay, LLC (opens in a new tab)Worldpay publishes no US rates or fees: they are set in your application and fee schedule.
PCI non-compliance fee (monthly)Quote onlySource: Worldpay, LLC (opens in a new tab)Its terms let Worldpay charge "a reasonable fee" if it believes you aren't PCI compliant; no amount is published.
Statement feeQuote onlySource: Worldpay, LLC (opens in a new tab)Worldpay publishes no US rates or fees: they are set in your application and fee schedule.
Monthly minimumQuote onlySource: Worldpay, LLC (opens in a new tab)Worldpay publishes no US rates or fees: they are set in your application and fee schedule.
Fee per batchQuote onlySource: Worldpay, LLC (opens in a new tab)Worldpay publishes no US rates or fees: they are set in your application and fee schedule.
Chargeback feeQuote onlySource: Worldpay, LLC (opens in a new tab)Worldpay publishes no US rates or fees: they are set in your application and fee schedule.
Other feesPer Worldpay's published small-merchant terms: Transaction Risk Fees on transactions it considers higher risk (for example keyed, voice-authorized, unauthorized or late transactions, or a ticket different from your application), tiered surcharges for mid-qualified, non-qualified and high-risk transactions, a fee if you appear not to be PCI compliant, conversion costs, and, after an Event of Default, a fee of 15% a month on held funds. Amounts are in your application.Source: Worldpay, LLC (opens in a new tab)From the small-merchant terms Worldpay publishes for its Umpqua Bank referral program (April 2025), the only US merchant terms we found on Worldpay's own sites; your agreement may differ.
Equipment
Data pointValue
How you get the equipmentYou buy it, Monthly rental you can end, Use compatible equipment you haveSource: Worldpay, LLC (opens in a new tab)You can buy equipment from Worldpay at its standard prices, rent it month to month (either side can end a rental with 30 days' written notice), or use compatible equipment you have. The terms also mention equipment leases, which don't end when the processing agreement does.
Price of a countertop terminalNot publishedSource: Worldpay, LLC (opens in a new tab)Worldpay publishes no US terminal prices.
Equipment lease you can't cancelUnconfirmedSource: Worldpay, LLC (opens in a new tab)Worldpay's own rental is month to month, but its terms say an equipment lease doesn't end when the processing agreement does; the lease terms themselves aren't published.
Equipment lease termNot publishedSource: Worldpay, LLC (opens in a new tab)Lease terms aren't published.
Equipment at $0 upfront: what it commits you toNot publishedSource: Worldpay (Global Payments) (opens in a new tab)Worldpay publishes no equipment at $0 upfront for US merchants.
Equipment only works with this processorUnconfirmedSource: Worldpay, LLC (opens in a new tab)Worldpay's terms don't say whether equipment bought from it can be used with another processor.
Getting your money
Data pointValue
Standard deposit speedNot publishedSource: Worldpay (Global Payments) (opens in a new tab)Worldpay doesn't publish its standard deposit time for US small businesses.
Instant payout feeNot publishedSource: Worldpay (Global Payments) (opens in a new tab)Worldpay doesn't publish an instant payout option or price for US small businesses.
Holds and reservesWorldpay may create a reserve from your settlements at any time, require you to fund it or post a letter of credit, and sets the amount at its discretion; it may hold settlement funds after an Event of Default. If you engage in an improper transaction it may keep the whole reserve as liquidated damages.Source: Worldpay, LLC (opens in a new tab)From the small-merchant terms Worldpay publishes for its Umpqua Bank referral program (April 2025), the only US merchant terms we found on Worldpay's own sites; your agreement may differ.
Contract and exit
Data pointValue
Contract term36 monthsSource: Worldpay, LLC (opens in a new tab)From the small-merchant terms Worldpay publishes for its Umpqua Bank referral program (April 2025), the only US merchant terms we found on Worldpay's own sites; your agreement may differ.
Automatic renewal36 monthsSource: Worldpay, LLC (opens in a new tab)It renews for another 36 months (30 days where the law doesn't allow automatic renewal). From the small-merchant terms Worldpay publishes for its Umpqua Bank referral program (April 2025), the only US merchant terms we found on Worldpay's own sites; your agreement may differ.
Notice to avoid renewal90 daysSource: Worldpay, LLC (opens in a new tab)
Notice to cancel90 daysSource: Worldpay, LLC (opens in a new tab)To end the agreement at the end of a term, give written notice at least 90 days before. From the small-merchant terms Worldpay publishes for its Umpqua Bank referral program (April 2025), the only US merchant terms we found on Worldpay's own sites; your agreement may differ.
Early termination feeQuote onlySource: Worldpay, LLC (opens in a new tab)An Early Deconversion Fee set in your application for each merchant chain if you end the agreement wrongfully or Worldpay ends it after your breach; merchants with more than $5 million a year in card volume also owe their average monthly fees (three highest months) × the months left. Any equipment lease continues. From the small-merchant terms Worldpay publishes for its Umpqua Bank referral program (April 2025), the only US merchant terms we found on Worldpay's own sites; your agreement may differ.
How the early termination fee is calculatedSet in your application or quoteSource: Worldpay, LLC (opens in a new tab)An Early Deconversion Fee written in your application, per merchant chain. Merchants with more than $5 million a year in card volume also owe liquidated damages: the average monthly fees of their three highest months × the months left. From the small-merchant terms Worldpay publishes for its Umpqua Bank referral program (April 2025), the only US merchant terms we found on Worldpay's own sites; your agreement may differ. During the term, the same terms make Worldpay your exclusive processor at all your locations (a "requirements contract"), and before you end or don't renew the agreement Worldpay has a right of first refusal: it can match, on substantially similar terms, the offer of the processor you want to move to (§1).
Liquidated damages clauseYesSource: Worldpay, LLC (opens in a new tab)Only for merchants with more than $5 million a year in card volume; below that, the Early Deconversion Fee in your application applies.
Price increases during the contractWith noticeSource: Worldpay, LLC (opens in a new tab)With notice; if you keep processing after the notice, or don't contest a change within seven days, you accept it, and card network increases can be passed on without notice. The terms offer no way out without the early deconversion fee when rates go up.
Right to raise pricesWorldpay may amend the agreement or change rates at any time with notice, and you accept a change if you keep processing or don't contest it within seven days; card network changes can be passed on without notice. Volume or ticket changes from your application also let it raise fees.Source: Worldpay, LLC (opens in a new tab)From the small-merchant terms Worldpay publishes for its Umpqua Bank referral program (April 2025), the only US merchant terms we found on Worldpay's own sites; your agreement may differ.
Personal guarantee by the signerYesSource: Worldpay, LLC (opens in a new tab)A "continuing unlimited guaranty" from each person who signs as guarantor. From the small-merchant terms Worldpay publishes for its Umpqua Bank referral program (April 2025), the only US merchant terms we found on Worldpay's own sites; your agreement may differ.
Dual pricing and surcharges
Data pointValue
Dual pricing or surcharge programYesSource: Worldpay (Global Payments) (opens in a new tab)Fee Assist is a surcharge program: your customers pay a fee on credit card payments. Worldpay doesn't publish the percentage. With it, card processing costs your restaurant $0 on credit cards in our estimate and your customers pay the difference; debit stays at Worldpay's rate. Card network rules and state laws apply.
Cards the program coversCredit cards only (surcharge)Source: Worldpay (Global Payments) (opens in a new tab)A surcharge only covers credit cards under card network rules.
Monthly fee for the programNot publishedSource: Worldpay (Global Payments) (opens in a new tab)Worldpay doesn't publish what Fee Assist costs.
Your POS and your business
Data pointValue
Works with these restaurant POSOthersSource: Worldpay (Global Payments) (opens in a new tab)Its own Commerce360 POS and, through Global Payments, Genius; Worldpay says it integrates with hundreds of POS and hospitality systems but names none of the POS on our list.
Requires the vendor's own POSNoSource: Worldpay (Global Payments) (opens in a new tab)Worldpay processes for its own and other POS and terminals.
Monthly volume it's built forUnconfirmedSource: Worldpay (Global Payments) (opens in a new tab)Worldpay states no minimum volume for US small businesses.
Accepts high-risk businessesUnconfirmedSource: Worldpay (Global Payments) (opens in a new tab)Worldpay doesn't say whether its US small-business program accepts high-risk businesses.
Routes debit to the lowest-cost networkUnconfirmedSource: Worldpay (Global Payments) (opens in a new tab)Worldpay offers dynamic routing to enterprise merchants; it doesn't say whether small-business debit is routed to the lowest-cost network.
Support
Data pointValue
24/7 support for merchantsYesSource: Worldpay (Global Payments) (opens in a new tab)
Support channelsPhoneSource: Worldpay (Global Payments) (opens in a new tab)Phone, plus a self-service help center and the iQ portal.
Language
Data pointValue
Support in SpanishUnconfirmedSource: Worldpay (Global Payments) (opens in a new tab)Worldpay's US support page doesn't say whether support is available in Spanish.
Merchant dashboard in SpanishUnconfirmedSource: Worldpay (Global Payments) (opens in a new tab)Worldpay doesn't say whether its iQ portal is available in Spanish.
Contract or terms in SpanishNoSource: Worldpay, LLC (opens in a new tab)The US terms we found are in English; we found no Spanish version. Same rule for every vendor: we mark it "No" when we searched and found the terms only in other languages.
US website in SpanishNoSource: Worldpay (Global Payments) (opens in a new tab)worldpay.com serves its US pages in English only; we found no Spanish version.

More about Worldpay

How we score