WorldPay Review

Overall Rating Breakdown
Sales & Marketing Tactics
Costs & Contract Terms
Complaints & Service
BBB Rating

Overall Rating

C- Credit Card Processor Rating

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Jump to: Sales & Marketing | Costs & Contract | Complaints & Service | BBB Complaints


WorldPay Logo

WorldPay Logo

WorldPay ( is a large direct processor with an international presence in 40 countries, the largest of which is in the U.K. and Europe. Founded in 1989 under the name “Streamline” in the U.K., the company’s name was changed to WorldPay a few years later. In 2001, WorldPay launched its U.S. operations in Atlanta, Georgia. Shortly after, the company was bought by The Royal Bank of Scotland (RBS) and rebranded as RBS WorldPay. In 2010, RBS sold its controlling interest in the company and RBS WorldPay was rebranded back to just “WorldPay.”

Besides offering credit card processing services, the company offers phone line card processing, ATM services, gift & loyalty card processing, check processing and online payment processing using This review will focus on WorldPay’s US operations.

WorldPay Sales & Marketing Tactics | C

Key Points – Sales & Marketing 
Uses independent resellers? Yes
Promotes deceptive rate quotes? No
Discloses all important terms? No

WorldPay markets its services both directly with its own outside and inside sales staff and indirectly using independent sales agents, resellers, and sub-ISOs. This is a common strategy and usually leads to a moderate amount of complaints. In this case, we are able to locate approximately 100 negative WorldPay reviews that describe nondisclosure or misrepresentation of fees by sales agents. However, we found no uses of misleading advertising or rate quoting in the company’s official materials.

WorldPay Marketing Example

WorldPay Costs & Contract Terms | D

Key Points – Costs & Contract Terms
Swiped rate: Variable
Keyed-in rate: Variable
Termination fee: $95-$495
PCI compliance fee: $15-$25 per month
Equipment lease: Variable

WorldPay’s pricing, rates, and fees will vary by merchant and whether or not the merchant signed up for services through a reseller or directly through WorldPay. Based on a few reports, it appears that merchants are more likely to experience higher rates and longer service agreements by signing up directly with WorldPay instead of through a reseller. This is probably because the company gives resellers pricing and contract flexibility, which allows them to offer better deals to merchants if they choose to do so.

Merchants considering a WorldPay merchant account should read the contract (available below) carefully because the standard service agreement is for three years with automatic one-year renewals if written notice is not given within 90 days of the service expiration. If merchants cancel while under contract they may experience a $95-$495 cancellation penalty. Additionally, the company appears to charge a PCI Compliance fee of $15-$25 per month, which is above average for the industry. Merchants are also reporting an annual fee of $69 for what looks like an IRS 1099 reporting fee. The potentially high cancellation fee, auto-renewing contract, and high compliance fees are the factors that greatly lower the company’s rating in this section.

Click here to see a copy of the standard WorldPay merchant agreement
WorldPay Merchant Agreement

WorldPay Complaints & Service | C

Key Points – Complaints & Service
Total complaints: 200+
Live customer support: Yes
Most common complaint: Hidden fees

Overall, WorldPay has a moderate number of complaints filed online for a company of its size, many of which accuse it of being a ripoff or a scam. The most common types of complaints report unexpected fees and surprise over the $495 cancellation fee and auto-renewing contract (example here). There are also complaints regarding deceptive sales practices by agents, poor customer support, and fund holds. Company representatives have been active in responding to publicly filed complaints, but it’s unknown whether the complainants ultimately receive a satisfactory resolution to their problems. It should be noted that many complaints may get attributed to WorldPay’s resellers instead of WorldPay itself and vice versa.

WorldPay BBB Report | C (CPO Adjusted)

Key Points – BBB Report
Product/service: 133
Billing/collection: 107
Advertising/sales: 7
Guarantee/warranty: 0
Delivery: 0

As of this review, the Better Business Bureau (BBB) is showing that the company received accreditation in 2010 and has an “A+” rating despite 247 complaints filed in the last 36 months. Of the complaints, 133 are due to problems with products and services, 107 are due to billing and collection disputes, and seven have to do with advertising and sales issues. WorldPay has resolved 173 of the complaints while 74 merchants reported that they were not satisfied with the company’s response. Considering this complaint volume and resolution rate, we have adjusted the BBB’s rating to a “C” for the purposes of this review. For more information on why we adjust BBB ratings, please see our rating criteria.

Bottom Line

WorldPay is a very large direct processor that has an international presence. The company could improve its rating in this review by reducing or eliminating its early termination penalty and auto-renewing contract and greatly reducing its volume of merchant complaints.

This review was originally published on 12/17/12 and was last updated on 8/20/14.

Leave your review of WorldPay in the comment section below:

WorldPay Review

Rated 2.125 Out of 5 Stars
Reviewed by Phillip Parker
Reviewed on 2014-08-20 13:35:41

We have located a moderate number of WorldPay complaints, many of which accuse the company of being a ripoff or a scam… WorldPay ( could improve its rating in this review by reducing or eliminating its early termination penalty and auto-renewing contract and… Learn more in this WorldPay review.

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About the author

Phillip Parker

Phillip Parker is a former merchant services agent turned small business advocate and the author of "Fee Sweep," which teaches merchants how to dramatically lower their processing rates, eliminate junk fees, and avoid fine-print scams. He founded to help merchants enact positive change in the credit card processing industry.

Phillip can help you find an ethical and honest processor that will offer you great rates. Click here to request a free provider consultation.

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  1. Terence Whalen

    I used to process cards through Intuit Solutions. I was approached by a member of my bank, Citizens Bank, NA, that I could be provided with a cheaper processor using World Pay. It was indicated to me that there would be a monthly service fee of 9.95, and processing fees per transaction that vary based upon the card. In May of this year, after almost a year with World Pay, I noticed that the fees were increasing. Of course, because I had online statements, I had never really seen the additional fees. What I started seeing was an additional 14.99 fee for a security encryption fee, 25.00 for a compliance fee, and other smaller fees. I complained about the compliance fee in July and they said I had to comply with the requirements, so I took the questionnaire, processed all of their paperwork, and passed the testing procedure. In this months billing, I saw a footnote that indicated they are charging a 129.99 annual compliance fee? Of course, I have already paid $ 75.00 toward compliance from May-July. They indicated this does not count. With intuit, there was a one time fee of $ 75.00, and no monthly compliance fee or hidden fees.
    This information concerning all these hidden fees was never disclosed to me by Citizens Bank, which by the way, apparently is owned by or owns WorldPay. Obviously, I see some conflict here. In light of all of these hidden fees, I threatened to walk with my business to another processor. That’s when the lady told me that I was in the second year of a three year contract, which also was not disclosed to me. I told her maybe she will have to sue me for that if I decided to switch.
    I would highly recommend that any business steer clear from World Pay or citizens bank. I have been a loyal customer of that bank for over 30 years, and I am now considering switching to another institution altogether. Sad that companies like WorldPay can feed upon and rip off small businesses like this. To ALL OF YOU, I say stay clear and read the fine print, even if coming from your own bank. You might not like what you see.


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  2. Mark Abernathy

    I own two restaurants in Arkansas. We have had terrible experiences with World Pay including what we felt were fraudulent overcharges that they were forced to return. Recently we have switched our processing but when we tried to switch our gift card business they have continued to refuse to give us our data which is lawfully ours. I would avoid World Pay at all costs. We still have not received our card data. BEWARE of World Pay. Do your homework.

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  3. Innovistech

    Due to a move of our office we lost some of our previous years paper statements, specially 2012 statements. I called and spoke to someone requesting the 2012 as they are no longer available online. To my great surprise, the rep explained that for each retrieval from their “archive” they charge $450 for each set of 12 months statements. Now I have a total of 4 accounts and in my third year doing business with them. Requesting the missing 2012 statements for my 4 merchant accounts will cost me $$1800 which is unthinkable and grossly unconscionable! Imagine going to your bank to request a whole year of statement two year ago and they charge you $450 for it!
    I was so upset that I told them I might as well just cancel my merchant accounts with them only to be told that since I’m in my THIRD year my termination fee is $95 per merchant account! How ridiculous!

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  4. Jim

    We have a partnership with a company doing business in the online dating industry who has a contract with Worldpay. Since months we are no longer getting our revenue share to our agreed schedules, often two months later. We have been told by our partner that the reasons are changing policies at the third party payment providers and credit card companies. I ask you is this true? Why does Worldpay now pay so late? Is there anyone else who is affected?

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    1. Worldpay US, Inc.

      Hi Jim, we recently saw your post and would like to address your concerns. All of our deposits take around 2 business days at the most once they are settled out through the system (which is usually done daily). In regards to when that company then pays you however unfortunately that is outside of our control. We would be more than happy to look at the company you are referring to however just to confirm that there are no settlement/deposit issues between us and them. If you could have someone from that company provide us with their merchant ID and contact information by emailing [email protected] and we will reach out to you both to discuss further.

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      1. Mark Golden

        My companies have used RBS WorldPay since 2010 for credit card processing (merchant services). Last year, one of their sales representatives asked if I would sign new three-year contracts with lower fees. The representative gave 30 days for a decision. Under the time pressure, I signed the new contracts. Several months into the new contracts, I carefully reviewed RBS WorldPay’s convoluted statements. I spent countless hours just trying to figure out the actual rates they were charging me. Their statements made it extremely difficult to determine what WorldPay’s rate (as a percentage of each transaction) was verses the percentage charged by the credit card companies (Visa, Mastercard, Discover, etc.). (Their competitor, Heartland Merchant Services, has much clearer statements.) Through my investigation, I found RBS WorldPay had not honored the rates provided on the new contracts. RBS WorldPay overcharged me $6,230.95. They credited me for the overcharges only after I sent them detailed formal notice.
        One year after I signed the new RBS WorldPay contracts a potential sale of my companies was arranged. The buyer did not want to use RBS WorldPay due to their high rates in comparison to their competitors (like Heartland Merchant Services and First Trade Union Bank), practices of overcharging clients, convoluted statements and ridiculous early termination fees. The original RBS WorldPay contracts had $495 early termination fees. However, the new “bait and switch” contracts authorized RBS WorldPay to charge an early termination fee based on a calculation of our average monthly processing fees multiplied by all the remaining months in the contracts. An RBS WorldPay representative threatened to charge me $81,839.99 early termination fees if I terminated the contracts when I sell my businesses! RBS WorldPay uses pressure tactics to lure clients and malicious “bait and switch” contracts to trap them.

        Mark Golden

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          1. Mark Golden

            $81,839.94 EARLY TERMINATION FEES from RBS WorldPay…again for emphasis…$81,839.94 EARLY TERMINATION FEES from RBS WORLDPAY. RBS WorldPay’s representative stated in an email to me that I would owe $43,689.30 from one location and $38,150.64 from another location…totaling $81,839.94 EARLY TERMINATION FEES if I were to terminate one year into the contracts. After receiving the above message from RBS WorldPay I sent the requested information to them. There was no direct response from them. However, RBS WorldPay responded to my complaint with the Better Business Bureau of Atlanta. RBS WorldPay’s response to my complaint to the Better Business Bureau of Atlanta is a blatant attempt to justify charging a client $81,839.94 EARLY TERMINATION FEES. According to a professional reviewer of credit card merchant processing companies, this is the highest early termination fee he has heard. Does anyone with an ounce of common sense feel that RBS WorldPay is morally justified charging $81,839.94 EARLY TERMINATION FEES after the client has completed one year of the contracts and is selling his businesses? Once I am out of business, RBS WorldPay will not be providing any services to my companies. This situation cannot be compared to renting an apartment for 3 years and then leaving the landlord with an unoccupied/unrented space one year into a lease. RBS WorldPay will simply take its cheap credit card processing machines from my businesses and give them to another client. The fact that RBS WorldPay’s representatives try to justify blatantly gouging clients should be a warning to all people about the ethics of RBS WorldPay. Not all contracts are ethical or lawful even if someone makes the mistake of signing on the dotted line. If RBS WorldPay had written in the contract that they would charge $800,000 early termination fees, or $8,000,000 early termination fees, or take my first child for early termination fees then would they be justified doing so because of a signed contract? RBS WorldPay’s response is a cover up for the fact that RBS WorldPay’s agreements are unethical and arguably unlawful. RBS WorldPay is also frightened that by backing down to a client they will invite other clients they have gouged to join in class action lawsuits against RBS WorldPay and lose clients to other merchant service companies. It is inevitable that RBS WorldPay will be sued for their egregious contracts. In fact, RBS Citizens (RBS WorldPay’s affiliate) just made a 137.5 million dollar class action settlement for overdraft fees. Of course, RBS Citizens Bank maintains that there was nothing wrong with its approval of transactions or the posting process used. It is interesting that this method of denial is consistent with RBS’s defense of its unscrupulous tactics. One of RBS WorldPay’s representatives asked if I would be willing to return to the old contract rates, return to RBS WorldPay $6,230.95 that RBS WorldPay credited me for their overcharges (labeled an “oversight” by RBS WorldPay’s response to my first complaint), and return to the terms of the original contracts (with $495 early termination fees). I said I was willing to do so. But, RBS WorldPay’s representative then told me that RBS WorldPay would not be willing to make any changes to the new contracts. RBS WorldPay tries to defend its tactics through “legalese” rather than ethics. In the end, “what comes around goes around” and they will pay for their lack of ethics. I must say I enjoy the fact that the person responding to my complaint touts RBS WorldPay’s “excellent customer care representatives” while trying to justify charging me $81,839.94 EARLY TERMININATION FEES. In fact, RBS WorldPay’s representatives have so kindly and gently threatened me with $81,839.94 EARLY TERMINATION fees! I wonder how RBS WorldPay’s excellent representatives would feel if I were to take $81,839.94 from their personal savings accounts because they had unwittingly signed an unethical contract. Of course, if I were to take $81,839.94 from any of RBS WorldPay’s “excellent customer care representatives” (which I wouldn’t do) I would strive to do so with the utmost care, kindness and excellence. TO BE CONTINUED…

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  5. Bob S

    I signed with RBS WorldPay in July 2011. I banked with RBS Citizens / CharterOne, so it seemed a good fit. iIdid everything by email with WorldPay’s sales rep. The Terms and Conditions were too small for her to scan and send me electronically, so all I saw was the application, four pages. I asked for Terms and Conditions, and she sent me a Word file, which turned our to be only a summary. After escalating fees, I decided to change processors in August 2014. The three year term was up, so I thought I could change without cancellation charges. I was told by phone it would cost me $495 to cancel, according to the contract I signed. I told her I never saw those Terms and Conditions, but she insisted she had a copy that she would email me. Never got it, but the $495 was withdrawn from my bank account two days later (today). This website has a copy of the Terms and Conditions – five pages of fine print which includes auto-renew and cancellation fees, with a date of October 2011, so I assume it is close to what I was never provided but given a summary only. Interestingly, it does not state a cancellation fee of $495 anywhere, but only a small fee after three years of $95.00. I had send documentation two days ago to both the local WorldPay rep and my CharterOne business banking rep, including exactly the emails that contained all the written information I was provided, including the one page terms and conditions. No response whatsoever. I also searched my entire email records and archives that go back through 2011 for a revised contract or updated Terms and Conditions, and I never received any revised contract . I would call this fraudulent sales practices, withholding contract information, and then apparently changing the terms of the contract regarding cancellation without my consent. I could add the terms predatory, unconscionable, and despicable to my opinion.

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    1. Bob S

      To follow-up, within five minutes after this review was posted and I forwarded the link to my banking reps and the local WorldPay rep, I received an email from CharterOne’s AVP that my $495 cancellation fee would be credited to my bank account. No word from WorldPay, just my bank. So I appreciate CharterOne’s integrity in this matter.. My opinion of WorldPay, however, remains the same.

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    2. Bob S

      Final follow-up. Our bank account has been credited for the $495, and it was noted as a credit from WorldPay. Whether WorldPay did this on their own, or from pressure by CharterOne, I have no idea, but the issue is settled. I would just suggest to others subjected to such treatment that they pursue the issue, and not just accept what WorldPay says. Many thanks to this site. Without issues and information like this being discussed, we are all left in a David v Goliath world, without benefit of a slingshot.

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  6. Mike G

    Don’t ever under any circumstances to go worldpay UNLESS you want to make a three year – that’s right – a three year commitment. It does say it on the contract – so damn small you can EASILY skip past it. The biggest complaint is that the salespeople are shady and crooked.

    I specifically asked, what if I don’t like this after 6 months? He said, no problem. Just cancel it. I asked if there was no early termination fee or anything (since I didn’t KNOW it was a three year commitment) – he answered nope. Which, if you think about it, wasn’t a lie. There’s no fee you just have to pay the rest of the commitment.

    That’s BS and I’m upset VERY much about it. I’m even thinking of terminating my banking accounts with the bank that is associated with these crooks.

    I was very nice about it with customer service, who by the way were pretty nice and thorough. It’s their policy that stinks.

    I told them that my business was closed – there was no money. They basically said oh well, go into collections. Thanks for nothing. So I’m going to scream to anyone that will listen that there are MANY other options besides WORLDPAY that will treat you much better with no stupid long commitment.

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    1 / 1 found this review helpful.
    1. Maureen Woodruff

      The best thing to do is to read through your contract carefully and if it, like mine, has a notice clause in it that requires you to send a notice certified mail return receipt requested is what you need to do with copies to their banking institution . I have learned not to communicate with World Pay at via the telephone only through certified mail return receipt requested.

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      1 / 1 found this review helpful.
      1. Mike G

        These crooks didn’t take any time sending me to collection AND adding a $25 fee to it. STAY AWAY from WORLDPAY at all costs because it will cost you in the end.

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        1. Worldpay US, Inc.

          Hi Mike. We just received your email a few minutes ago and are reviewing your account information to see if there is anything that can be done to assist. We will contact you within the next 1-2 business days once the review is complete.

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