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

Overview

WorldPay Logo

WorldPay Logo

WorldPay (worldpay.us) 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 Authorize.net. 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 (worldpay.us) 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 CardPaymentOptions.com 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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190 comments

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  1. 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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    1. Worldpay US, Inc.

      Hi, we recently saw your post and would like to address your concerns. Please feel free to provide us with your merchant ID and contact information by emailing [email protected] and we will reach out to you to discuss further.

      Did you find this review helpful? Yes   No

  2. 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. Worldpay US, Inc.

          Hi Mark, we recently saw your post and would like to address your concerns reagarding your Contract and Early Termination Fee. Please provide us with your merchant ID and contact information by emailing [email protected] and we will reach out to you to discuss further.

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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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  3. 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. Worldpay US, Inc.

      Hi Bob, we recently saw your post and would like to address your concerns. Please provide us with your merchant ID and contact information by emailing [email protected] and we will reach out to you to discuss further.

      Did you find this review helpful? Yes   No

    3. 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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  4. 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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    2. Worldpay US, Inc.

      Hi Mike, we recently saw your post and would like to address your concerns. Please provide us with your merchant ID and contact information by emailing [email protected] and we will reach out to you to discuss further.

      Did you find this review helpful? Yes   No

  5. Chris T

    I had been with WorldPay since June 2011, for the first one and a haft years every things were great and then the rates and other fees start to go up. I had been able to have them adjusted the rates and other fees but still high, in July 2014 I have decided to change to another credit card processor with lower rate and fees. WorldPay is one of the worst company that I had ever been deal with they had the most unprofessional customer services to deal with, first when I told them I would like to have my account terminate they told me that some one at my store had just sign a new contract so it will cost me $7000.00 YES $7000.00 to terminated my account I was in shock, so I try to find out who was sign a new contract? it turn out that one of WorldPay REP told the clerk to sign the contract because I was out of the country, I called customer service the next day to tell them the clerk do not have any authorization decisions to sign any contract, they are agree to lower to $495 because the three pages contract fine print on the back of the contract stated you have to write cancellation note three months before your first sign contract date or it will renew automatically for another year. I was with WorldPay for over three years I just feel so sad that a company like WorldPay just look likes a bunch of crooks. I had been in business for 27 years and deal with a lot of problems but never like this. I am hopping this is not the company policy because word can go very far because the bad policy. I just put this out to warn about WorldPay policy it can be very stressful to deal with, so before you sign any contract please read it carefully.

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    1. Worldpay US, Inc.

      Hello Chris, we recently saw your post and would like to address your concerns. Please provide us with your merchant ID and contact information by emailing [email protected] and we will reach out to you to discuss further.

      Did you find this review helpful? Yes   No

  6. Jerry Hancock

    I didn’t even realize we were still using RBS In 2011 My partners had me testing a POS system that used a different CC processor. I fully intended to go back once my 3 months of testing were complete. I ended up choosing a different POS system that is IPAD based and they were linked with a separate processor. I never cancelled but have not processed a CC since 2011. We have been charged over $100 per month for all that time. We got a better rate on a loan with USBANK about a year ago and we then cancelled our Wells Fargo Bank account. This is what triggered this whole thing.

    I need some help or I’m going to start being nasty. They are harrassing my wife. It has taken them a year to provide us with our actual contract. Even though the cancellation fee is for a certain amount they are still coming after us for several months of minimum monthly payments. I have paid and paid and I’m done paying.

    You said you would help us out. Do it or don’t but I have bigger fights right now. I’m still being sued by my former partners when they committed securities fraud. If you and RBS what a fight I’m willing to FIGHT LIKE HELL. It’s the principal of the thing. For years your company didn’t notice there were NO charges going through.

    They claim to be now going after our personal credit. If my credit gets effected I will come unglued.

    I paid over $3000 for Minimum Fees and didn’t process a card once in that time. Somehow there are cards still getting processing, I still get statements of new charges but I don’t have a bank account associated with Worldpay. So they are using my name to take someones credit card and taking me to collections for cancelling my account. you can’t have it both ways. They want $1000 for cancellation. WTF

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    2 / 2 found this review helpful.
    1. Nick Vass

      Hi Jerry, My name is Nick from England , these people tried to bankrupt my company out of nothing. Not only did they shut down my facility at a moments notice they also supplied detrimental information to others to prevent me obtaining a facility elsewhere .
      Beware of these people they stop at nothing to make threats .The letter of termination I received was a disgrace we had dealt with them for 10 years without problems . We changed from RBS to Lloyds with our business banking it took 4.5 months to transfer the account we were told 7 days.
      They missed 2 deadlines for the transfer creating costs and returned items on my account and refused any compensation. The second time I was told” they forgot” I rang customer services and they could not give a dam. I
      said the service was “incompetent ” and the guy got all wound up saying I had called him “incompetent”. In the afternoon we could not take customer payments I rang they had switched the terminal off in a spiteful action and would not reinstate it unless I apologised.
      In England we have the Financial Ombudsman Service which deal with serious complaints against financial services they take some time because of the workload if you persevere you do get satisfaction if you have a case. There must be an equivalent in the USA .
      My case is currently being heard, it has cost me thousands , my health and nearly my business they just do not care , you cannot reason and they are very vindictive.
      Principal means everything and hopefully somebody will get something to stick and open the floodgates for all the claims. I wish you well and do not give up how ever bad it gets my case was something about nothing.

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    2. Worldpay US, Inc.

      Hello Jerry, we recently saw your post and would like to address your concerns. Please provide us with your merchant ID and contact information by emailing [email protected] and we will reach out to you to discuss further.

      Did you find this review helpful? Yes   No

  7. Samir Bassous

    In my case, i made transfer direct to WorlPay, yes direct ti their WorldPay bank account in Cyprus. They denied the payment as they refuse to let me know where the payment “has taken rest”. What can someone label this act? Is it an act of theft, is it an act of irresponsibility. 45 days have elapsed and i have no knowledge whereabouts this amount. I believe someone should be legally held responsible. Guys, Can someone tell me if any government body can assist me in this matter. Whom should i write so they can assist of this matter?
    pls let me receive comment from anyone who is ready to help.

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  8. Samir Bassous

    WorlPay is full of links for new merchants to enroll but they have nowhere to get any complaint from clients who make transfer but is lost within the empire of WrldPay and no one can assist or help to look into this matter specially when someone is dealing with an irresponsible merchant who cares about nothing except of collecting monies wether legal or illegal.
    pls let me know if you can assist to help individuals recover their rights from WrldPay

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    1. Worldpay US, Inc.

      Hi Samir. We recently saw your post and would like to address your concerns. Please provide us with your merchant ID and contact information by emailing [email protected] and we will reach out to you to discuss further.

      Did you find this review helpful? Yes   No

      1 / 2 found this review helpful.
  9. Maureen Woodruff

    WORLD PAY IS A BUNCH OF CROOKS. I have never had a contract that was such a waste of time and money as World Pay is. First of all I didn’t want to sign a 3 year contract and the sales rep said well you can refer a merchant and get a $300 referral fee and cancel it and it doesn’t cost anything. I referred several people to this idiot who is no longer with World Pay and I am still stuck paying the monthly fees even though I haven’t used them in over a year. Then there contract reads that you first have to notify them 90 days prior to expiration of the contract that you’re not going to renew and then advise them that you are no renewing 30 days prior, which is it a 90 day notification or a 30 day notification prior to the expiration date. This is such bullshit and they need a class action suit filed against them big time. Then they have the auto renew on top of it. We need to ban together and file a class action suit and see how fast they change their termination clause in their contracts and make them retroactive to any one who has ever signed one since they started here in the US.

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    4 / 4 found this review helpful.
    1. Worldpay US, Inc.

      Hello Maureen, we recently saw your post and would like to address your concerns. Please provide us with your merchant ID and contact information by emailing [email protected] and we will reach out to you to discuss further.

      Did you find this review helpful? Yes   No

  10. Edward Boulware

    Complaint: Unauthorized bank debits

    A Worldpay salesman came to my business 2 ½ years ago on July 26, 2011. I discussed my plans of retiring in a couple of years. He said that would not be a problem since I had my own credit card processing equipment and supplies. The salesman said he’d email me a copy of the agreement. He did not, receive it so I had him send it again, still nothing so he gave me some excuse and said he would send bring it by. I still never received it. The salesman promised that he (Worldpay) could save me money and that I could cancel processing when the time came to retire. Since then, the fees have continuously increased. They always come outs with fees out of nowhere. I closed my operations in November of 2013 and have had no credit card processing since that time. In December, $151.23 was withdrawn from my bank account for a “Compliance Fee”. I Sent a letter on January 8th, 2014 requesting cancellation of my account and return of the $151.23 since I did not have (and will not have any further transactions). On January 20, 2014, an additional $495 was withdrawn from my bank account. After contacting CardMember Services and The Better Business Bureau, WorldPay agreed to refund the $151.23 and $495 if I agreed to continue the account for another 3 months at $51. I called to get an address to send a check for the three payments of $51 each, which I was willing to pay, and was told that they would not accept a check and wanted to again begin drafting from my bank account. Because of past experiences and my distrust of this company, I was not willing to allow their access to my account. They then, somehow tweaked the data and again on June 27th, 2014, deducted $495 from my account, as well as sent my name to a collection agency.
    In my opinion, this company has practiced fraudulent business in every aspect. First they lied to me about everything including merchant fees, They promised they had the best rates available which is a complete lie.
    This appears to be a fraudulent company that does nothing but lie and scam small businesses. They should be investigated for fraud and be shut down. Do not give them your bank account information! In my opinion, they will steal and take as much as they can get away with.

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    2 / 2 found this review helpful.
    1. Worldpay US, Inc.

      Hi Edward. We recently saw your post and would like to address your concerns. Please provide us with your merchant ID and contact information by emailing [email protected] and we will reach out to you to discuss further.

      Did you find this review helpful? Yes   No

  11. Tony Miller

    Had a letter on June 24th 2014 from Streamline (who I was told when calling are in the process of been re-branded to Worldpay) that I had not completed my PCI DSS Compliance and they were charging me for this at £12 per month. I have my compliance certificate from their third party company TrustWave which I obtained in January 2014. I fail to see how Streamline/ Worldpay did not know this as Trustwave stated at the bottom of the confirmation email that they would inform Worldpay on my behalf. Somewhere along the line that information didn’t get through.
    I called the Streamline number on the letter and was put through to World Pay and they informed me after speaking to Customer services (another department) that I was compliant.
    I can’t see why I received this letter. It caused me a lot of concern that I had somehow not done something I was supposed to when I had done everything correct
    Unfortunately I find the bigger these companies become the less ‘ownership’ their customer services teams take. Three different entities involved in this (not counting me) Streamline, Trustwave and Worldpay. So, ultimately where does one go to get things sorted out?
    I have been asked by Worldpay to email my certificate of compliance to them today, something which to my mind should have happened in January 2014.
    It seems all too loose and untidy when we’re dealing with security and they were quick enough to want to fine me on a monthly basis for non-compliance but when it comes to dealing with my information it seems they have not such stringent checks in place.
    Or has my information somehow been lost in the re-branding, company changes?

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    1 / 1 found this review helpful.
    1. Worldpay US, Inc.

      Hi Tony. We recently saw your post and would like to address your concerns. Please provide us with your merchant ID and contact information by emailing [email protected] and we will reach out to you to discuss further.

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      1 / 2 found this review helpful.
  12. Mindy

    World Pay is not the same as RBS! I have issues with the account settling at the end of the night. The customer service representatives provide multiple reasons why it didn’t settle at the end of the night. None of the reasons make any sense. Long story short … World Pay holds onto your money two additional days before sending it to your bank. They are a bunch of crooks. DO NOT USE THEM!

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    5 / 6 found this review helpful.
    1. Worldpay US, Inc.

      Hi Mindy. We received your email from yesterday and currently have our underwriting department and the manager of the sales agent who originally set you up looking into the issue. If they have not done so already, I have received confirmation that someone will be reaching out to you to further assist today. I apologize for the inconvenience.

      Did you find this review helpful? Yes   No

      1. Worldpay US, Inc.

        HI Mindy. I apologize for the confusion, the above post was not meant for you and was sent in error. We recently saw your post and would like to address your concerns however. Please provide us with your merchant ID and contact information by emailing [email protected] and we will reach out to you to discuss further. Sorry for any inconvenience this may have caused.

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        1 / 1 found this review helpful.
  13. Dianna Whitfield

    We had a client pay through the website on 24 May 2014 – transaction id generated, and confirmation payment email was processed. Its now 16 June and no sign of the money in our account. Called Worldpay and Streamline both of whom claim there is no record of transaction despite my confirmation email. Money has gone from customers account and he also has an authorisation code. Also got bill from worldpay where number of transactions this month include this one!! Both organisations putting blame on the other – no idea who to go to next! Not impressed by customer non-service.

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    2 / 3 found this review helpful.
    1. Worldpay US, Inc.

      Hello Dianna,

      We recently saw your post and would like to address your concerns. Please provide us with your merchant ID and contact information by emailing [email protected] and we will reach out to you to discuss further. If you could also attach any receipts or confirmation letters that you have from that transaction that would be helpful.

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  14. Ron R

    AVOID WORLDPAY LIKE THE PLAGUE!!! Finally cooled off enough to close my Worldpay account today. These people almost put us out of business in Feb of 2013. The terminal has been in a box and not used since and they have been charging us 90 dollars a month since. We are a manufacturer that sells on the internet. We went in to Charter One bank and were offered a credit card processing service though Worldpay. I trust my bank and figured they would never steer me wrong. I still don’t believe they realize what creeps these people are. When I informed my account rep at the bank she was astonished at what happened. Everything was fine for a few weeks until a police department placed a large order through us. The transaction went through, the next morning, the money was not in our account. We needed it to pay our vendors so we can ship our products. I called WorldPAy and was told they needed to review the transaction and would release the funds in a few days. Didn’t happen, called back and they said they needed to keep it for 30 days. I waited patiently, it wasn’t released, called back again and they said they were reviewing it and it could take up to 180 days. Over the next 30 days I threatened them with a lawsuit, they laughed and said to read my contract and that they were fully within their rights. They lied ever time I talked to them from the lethargic personnel on the phone right up to the lethargic department supervisors. Finally I called my bank in New York which is owned by Citizen Bank, I spoke with a lady there at the corporate office and told her, that they had thrown me to the wolves, in a few days the money was released. I would have canceled the WORLDSCAM account right then, but they wanted 400 dollars to let me out of their trap. If any business needs to investigated for unscrupulous business practice, it’s WorldPay.

    The final slap in my face, 18 months later, they are charging me 195 dollars to close my account, these people need to be investigated, fined, shut down and sued hardcore. All the while the girl is laughing on the phone, I asked her what should I do with this terminal she replied, “just keep it, you own it” Cant even return it for a credit. WHAT A BUNCH OF CROOKS!!!!!!!!!!!!!!!!!!!

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    5 / 6 found this review helpful.
    1. ron beebe

      get ready Ron, there about to “notice your postt” and wll be happy to say they’d like to address your concern… and then promptly ignore you or screw it up even more! they’re special special people!

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      2 / 3 found this review helpful.
    2. Worldpay US, Inc.

      Hi Ron. We received your email from yesterday and currently have our underwriting department and the manager of the sales agent who originally set you up looking into the issue. If they have not done so already, I have received confirmation that someone will be reaching out to you to further assist today. I apologize for the inconvenience.

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      1 / 1 found this review helpful.
      1. Worldpay US, Inc.

        Hi Ron. We recently saw your post and would like to address your concerns. Please provide us with your merchant ID and contact information by emailing [email protected] and we will reach out to you to discuss further.

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    3. nicholas vass

      Hi Ron , I agree totally with what you say I have a complaint with the FOS being reviewed now . Took 4 months to change from one bank to another . Excuses for missing deadline “we forgot to transfer will do it tomorrow”. second time they just made excuses.
      Called them “incompetent” in phone call guy got on his “high horse” and put phone down . In the afternoon the terminal would not work to make payments . Rang to sort out problem and was told they did not like being called “incompetent” and would not reinstate the terminal until I apologised like a naughty boy.
      They did not defend charge back properly after 2 years , yes 2 years customer got refund of £625 by deception and they helped them get it. Told me “customer is king in all cases , just suck it up ” even when it is fraud I guess.
      Fell out over this and other items terminated contract that afternoon , with drew facility and send me disgusting threatening termination letter , said they would send detrimental information to other suppliers tom prevent me from getting facility elsewhere . Shared information with First Data to prevent me from getting new facility.
      Had to go out of the First Data loop got quality facility and terms with Transax really good firm that uses Elavon another quality company . Took ten days from start to finish fantastic service and back up .
      These people cost me thousands but If there is any justice I now have the complaint before the FOS . Of course according to World Pay everything is my fault it is normal to take over 4 months to transfer an account. It is normal to switch a terminal off if you state the truth , it is normal to forget an account transfer and miss the deadline a second time . It is normal to assist a customer in deception , cancel a facility and make threats in writing. Think you had problems with them waiting for FOS adjudication that will be interesting , keep you posted.

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      1 / 1 found this review helpful.
  15. Vik

    I tried to made some online shopping through a site that uses worldpay. I never had such problems paying online but with them, oh boy let me tell you, transaction after transaction was suspended and my cards were blocked. Only once i succeed paying the rest of attempts blocked my card.Never seen such ***** service, i advise you to stay away.

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    1 / 1 found this review helpful.
  16. Mike

    I have been dealing with Customer Service for over 2 weeks now and am at my wits end.
    I have a site that is authorized and goes through authorize.net. I set up my worldpay account in March, knowing I wouldn’t get customers until May.

    Since I have had customers pay ($1299 per transaction, usually), it has gone very smoothly through authorize.net but has stopped at Worldpay. I first called just over 2 weeks ago and was told that it should take 2 business days – I believe this is the “line” that customer support uses because I was sold on Worldpay ON this fact that it is instant. I was talked out of Paypal for this.

    I then waited 3 days and still no money in my account. I called CS again and they said they saw the money and didn’t know what the problem was. They were going to find it out and call me back. They never did.

    After finding out the rep that sold me on Worldpay had left the company, he forwarded me to his old boss. I had to leave THREE messages with him. He returned a call and left a message and said he was looking into it. He never called back.

    Finally, I went to Citizens bank itself and had an executive there call Worldpay. I talked to ANOTHER rep who said that for some reason there my account was suspended. WHY? I asked. They initially told me that it was because it was a high dollar amount of transactions (under $4000) and that my account was new. I should wait 2 days. AGAIN!

    My bank executive got on the phone again and called a rep at Worldpay who promptly called me. He said that there was a problem with my site not being compliant. He told me to contact Authorize.net and they would know what to do. I called Authorize.net and they said their site was compliant and they had no idea what Worldpay was talking about.

    I then called back CS AGAIN and got another rep who told me that the note said my site didn’t have the proper terms of use or privacy policy. My site does. My customers can’t even sign up until they click through the privacy policy and terms of use.

    I have YET to hear back from them – this was 3 business days now – after hearing it should take, guess what, TWO business days.

    Since, I have put the privacy policy and terms of use EVERYWHERE on my site including the place it’s always been.

    NOW to top things off, I am getting billed from Worldpay – $130.19!!! So I’m good enough to be billed for my transactions but not good enough to be paid MY MONEY!?

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    2 / 2 found this review helpful.
    1. Worldpay US, Inc.

      Hi Mike. We received your email from yesterday regarding this and are currently looking into the issue with our underwriting department and the manager of the Sales Agent who initially set up your account. If they have not done so already, I have received confirmation that someone will be reaching out to you today to further assist with the problem. I apologize for the inconvenience and we are working to get this taken care of as soon as possible for you.

      Did you find this review helpful? Yes   No

      1. Mike

        I do have someone working on it finally. I do appreciate it.
        BUT
        This all could have been avoided if UP FRONT, I was told what I needed to comply.
        I’m using a third party who develops the site of which I am a customer. I then sell my workshop to students, therefore it’s not a tangible thing. The problem all boils down to not having the mastercard/visa image on the pay page.

        I’m very unhappy with this NOT because of the process but Worldpay had no problem taking their fee but can’t pay me. If the money isn’t good enough for me, why is it for them?!

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        1. Mike

          Shocker that I did EXACTLY what they told me to do and I have yet to hear back from them. Ripoff artists is exactly what I think they are. I even have had the website that I deal with – not manage- but deal with jump through hoops and I still can’t get an email back. Let alone get my money.
          It’s MY money! This is straight up stealing.

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          2 / 2 found this review helpful.
          1. Mike

            I wanted to repost because everyone needs to hear how the story continues. Two members of worldpay reached out to me to say that the site is compliant and the funds will be released!
            I wish it hadn’t come to this because I’m really not one to complain – when a lot of money is on the line, however, I will. I am hoping this will be the last complaints and the worldpay partnership will be a very easy one the rest of the way through.

            By the way, the customer support couldn’t have been nicer throughout this whole endeavor. They did return calls and a few members stayed with me on the line as we waited. That is a gigantic positive.

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          2. Worldpay US, Inc.

            Hi Mike. I apologize that no one has contacted you. After receiving your email we reached out to you on the 6th and we also show that Customer Service advised the funds were released on the 9th. You should see the deposits going into your account today. I will follow up with the Sales Manager further however and have someone else reach out to you to confirm all of this today.

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          3. Mike

            I have had contact and as of today everything is resolved. There were a few people who were very diligent at getting this taken care of and I am very happy with the overall outcome. I wish the representative who initially sold me on Worldpay would have told me of the entire setup instead of saying how easy it was. I’m hoping it will be an easy way from this day forward for sure.

            I want to reiterate that the customer service could not have been nicer and some went out of their way to try and solve my issue.

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          4. Worldpay US, Inc.

            Great to hear! I am glad that we were able to get it taken care of for you and again want to apologize for all of the inconvenience this has caused. We truly value your business and aim to provide great Customer Service so we sincerely hope (as you also mentioned) there will be no more issues going forward.

            Also thank you for sharing your positive feedback/outcome.

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  17. Laura

    WorldPay adds hidden fees on a regular basis. In my 18 months working with them, I called multiple times to ask about one fee or another. In the latest episode, after charging a fee–which was a new RECURRING fee they were adding–and then not telling me that it was coming or how to avoid the fee in the future, they promised to refund the charge. When the charge was not refunded a month later, I called and spoke to a representative who told me it was never completed. I sent him the email from WorldPay explicitly stating they would refund, and he did so immediately. Had I not followed up, they were planning to just say they would refund and then never actually do it.

    When I closed my business I was charged an early termination fee which, while in their overall terms, was never something I signed my agreement to.

    Overall, I have never worked with a scammier company and urge you to stay as far from WorldPay as possible.

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    3 / 3 found this review helpful.
    1. Worldpay US, Inc.

      Hi Laura. We recently saw your post and would like to address your concerns. Please provide us with your merchant ID and contact information by emailing [email protected] and we will reach out to you to discuss further.

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  18. Constance Shabazz

    I became a WorldPay customer in 2013. Since that time I have experienced a number of problems with the company. The first has been unexpected fees. In April of 2013 I was charged for a PCI fee. The charge to my bank account triggered a number of overdrafts and insufficient fee charges. When it was detrained that the charges were made in error, I requested a reversal of the PCI fee as well as reimbursement for the overdraft fees. I repeatedly called the company and went back and forth with them about the fees. I submitted my bank statement verifying the chain of charges that triggered the overdraft. Every time called I was told that someone would get back to me on the matter and there was no follow-up. I called the 1st week in May 2014 (over on year after this problem started). I spoke to someone who stated that the reimbursement had been approved but that they still needed my to yet again fax over my bank statement with the charges. I did so and noted the party who I spoke with. Several days later I saw a credit to my account for one of the 3 overdrafts charges in the amount of $39 and then on the same say they reversed the credit.
    When I called about the finding, I was told that they did not even have and information about me having spoken to someone. They denied having someone by the name of the person and that I was given the wrong fax number. I sent the bank statement yet again. When I called several says later, I spoke to someone else. They told me that the as a courtesy to me, that the could give me $50 because I had only brought the issue to their attention for the first time 2 weeks prior! I informed them that I had been dealing with issue for over a year. I stated that they had the worse customer service of any company that I had ever dealt with in my entire life! I contacted the bank (Charter One an RBS affiliate) and informed them of the problem. Unrelated, I received a call from the “unknown to them” person I referred to earlier who stated that she had made a mistake in filing the request for reimbursement.
    My concern is that this company and many others are possible scamming people for millions of dollars both from overcharging, miscellaneous hidden fees, and delays in reimbursing customers. They tend to try to wear people down, hope that they forget that the company is unrightfully holding back fees owed to them.
    This is criminal and must stop.

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    3 / 3 found this review helpful.
    1. Worldpay US, Inc.

      Hi Constance. We recently saw your post and would like to apologize for any inconvenience. We also received your survey and have been looking into both of your accounts to address the issue. A member of our Customer Impact team will be contacting you on the phone number and/or email address you provided on the survey with an update today.

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  19. Julie

    Thank you for posting your experiences here! We were all set to sign up for Office Ally, but after reading the WorldPay/TransEngen contract we found out they have an exclusive with Office Ally. We were very concerned about the termination fees and auto-renew terms, and decided to google it. Boy, did we see what a bullet we have dodged! We are notifying Office Ally that we won’t be using them because of the credit card processing company they choose to do business with.
    Thanks!

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    1. WorldPay US, Inc.

      Hi Julia. We recently saw your post and would like to address your concerns. If you would like to send an email to us with any questions you may have regarding the contract and Terms and Conditions to [email protected] and we will more than happy to reach out to you to discuss further.

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    2. ron beebe

      Hi Julie, I got caught with world pay through office ally myself. I like the program and function but their use of Transengen etc is a huge problem. you can use the software without processing credit cards through them. you have to enter them by hand like you would a check (which admttedly takes longer). I alkso have been vocal with them about their choice of who to partner with in support of their product. I’m betting the got stuck in a contract with WorldPay and can’t get a hold of anyone to cancel it just like the rest of us.HA

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  20. chris federico

    I joined world pay so I could have clients pay by credit card while cleaning their homes. Next thing I know is I see all these deductions on my merchant account. I go to Citizens Bank and they say it’s the fees from “world pay”. Ok so let’s get this straight, you pay to get the damn thing, then you pay monthly fees, you get charged 1.99% per charge AND if you cancel the service you get charged a $90.00 termination fee for that too!!!! Here’s a clue get the cube yes they charge a fee for every card you swipe BUT that’s it the damn thing is FREE.!!! FREE, here I’ll say it again FREE!!!!! This World Pay is fraud, the rep did not say anything about termination fee’s or any fees, we told them we have the cube they said their service is a way better service, it’s encrypted, AND, AND ,AND so what check back in 2009 they had a nice problem with someone hacking their system! Now the fight is on, See I closed out my merchant account before I notified World Pay so this way they can’t take any more monthly fees from my account then when I call world pay to cancel the damn thing oh you owe us $90.00 Yah good luck collecting it! Their is no way I’m paying it as your wonderful rep mentioned nothing about termination fees or any damn fees while we were at Citizens bank, Now my next step is to send a nice email to citizens bank stating what world pay is doing to their customers and see how fast they break that contract because people like me with 4 accounts with Citizens bank will close all of them and move all my funds to another bank due to the fact they are doing business with people like World Pay!

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    1. WorldPay US, Inc.

      Hi Chris. We recently saw your post and would like to address your concerns. Please provide us with your merchant ID and contact information by emailing [email protected] and we will reach out to you to discuss further.

      Did you find this review helpful? Yes   No

  21. Linda M. Pratt

    I am on board w/ all the complaints I’ve read. It has been 2 {two} years of trying to disconnect from World Pay processing our Restaurant transactions. Thousands of $$$ has been automatically deducted along with a stack of correspondence from our end, to get them to stop taking $$$ that does not seem legal or ethical. If I were rich I would spend ten-fold just to shut this Company down. Their response to me is always the same: They have no paperwrk from me. Really !!! What about the Mission Statement” that Company prides themselves on ? If you have this many complaints of withdrwls, early termination fees, on & on, not including your existing accts, is it any wonder why small business owners can’t survive when you initially hire a Co. who claims to save you the pennies that are so important.. I don’t want the routine reply. I want the person who can change this stand before us all and show your face and do the right thing. My collection fee will also bounce and off to collections I go for the first time in my life. Awaiting the proud moment, unless you stand up to the Mission Statement and do whats right……………….

    Did you find this review helpful? Yes   No

    1. WorldPay US, Inc.

      We recently saw your post and would like to address your concerns. Please provide us with your merchant ID and contact information by emailing [email protected] and we will reach out to you to discuss further.

      Did you find this review helpful? Yes   No

    2. ronald beebe

      Linda,
      I have been in exactly the same spot with them. they are terrible (as evidence3d by the automatic bot answer that gets posted here). My Bank said about the only thinkg I could do to stop the bleeding was close my account and open another one. It’s a hassle but it’s better than leaking cash… Good Luck.

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  22. Shyam Shrestha

    I have an account with worldpay since january 2014 and i was scam by the company. I have been misleading and provided misinformation by the one of the sales person . The company send me the credit card processing terminal via mail without my approval with the activation and begin charge even we did not use it when i spoke with the customer service they told me the cancellation fee will be $999 . I never ask them to send me the credit card terminal rather i said to him that i will not be able to have the service because i dont have phone line that need to go with it. so i told him dont’t send the paperwork until i get the phone line. Now there are so many unexpected hidden fees and penalties that i was never told before, recently they charge me$500 only for the credit card processing terminal However he told me it was free because they have a promotion going on during that time for new customer. All they want is your info and signature to trap you and make you pay whatever, however thay want.I am so so disappointed and still fighting to get rid of them.

    Did you find this review helpful? Yes   No

    1. WorldPay US, Inc.

      We recently saw your post and would like to address your concerns. Please provide us with your merchant ID and contact information by emailing [email protected] and we will reach out to you to discuss further.

      Did you find this review helpful? Yes   No

  23. Tina

    Altered contract charged 400.00 for closing my account fraudulently would not repay. have all docs to prove it . But the little guy never wins.
    If you are not with them Smart move. Stay away!
    I wish a class action law suit would come against World Pay. you could put me first inline.

    Did you find this review helpful? Yes   No

    1. WorldPay US, Inc.

      We recently saw your post and would like to address your concerns. Please provide us with your merchant ID and contact information by emailing [email protected] and we will reach out to you to discuss further.

      Did you find this review helpful? Yes   No

  24. Liaqat Ali

    Let me tell you, federal authorities should have closed this company long time ago and I still cannot understand how they are still in business after so many complaints. After working with them for 3 years and dealing with fraudulent and hidden fees each month, when I sold my business and tried to cancel my service, they charged my bank account $495. The rest of this story is same as other people experienced.

    If you are smart, do not work with this company.

    Did you find this review helpful? Yes   No

    1. WorldPay US, Inc.

      We recently saw your post and would like to address your concerns. Please provide us with your merchant ID and contact information by emailing [email protected] and we will reach out to you to discuss further.

      Did you find this review helpful? Yes   No

  25. Rhonda

    My experience with WorldPay has been mixed. Initially I didn’t even know I was having processing done through them My online practice management service, OfficeAlly indicated that cc processing was handled through TransEngen, but I was passed on to WorldPay. The initial WP contact was friendly enough. I’d had a cc processor previously, so I knew to ask about early termination — and was not informed of the $495 fee. Nor was I informed of the automatic yearly renewals or sent a copy of the contract (which mentions the termination fee conveniently on the second to last page of the 5-page very fine print document.) I recently closed my practice, and when I terminated my service (a little over 2 months into the new renewal year with very limited charges), I was informed about the fee — and had a cow! To WP’s credit, I had no problems with cc processing and their customer service rep Michael Clark was pleasant and calm and tried to move me up the supervisory chain as I requested so that I could dispute the termination fee — of course to no avail. Now, to add insult to injury, WP has sent me to collections for their $495 fee in only a week after they were unable to debit the amount (I had closed my bank account). The similarity of all the posted comments on this page tells the tale. I resonated with the person suggesting a class action lawsuit.

    Did you find this review helpful? Yes   No

    1. WorldPay US, Inc.

      We recently saw your post and would like to address your concerns. Please provide us with your merchant ID and contact information by emailing [email protected] and we will reach out to you to discuss further.

      Did you find this review helpful? Yes   No

    2. ronald beebe

      Rhonda would be interested to hear how/if WorldPay helped you out since they responded to your post the very next day. Haven’t seen anyone post on here about help that they recieved after that gracious offer was extended…

      Did you find this review helpful? Yes   No

  26. rob lituri

    This is a company you should stay away from . but in most cases we don’t find out what you are dealing with
    until its too late . this is a dishonest company with predatory sales staff set out to deceive people into signing contracts without telling you about all the fee’s. yes the fee’s and when you discover what you got into its too late to end your experience with worldpay they slap you in the face with a termination fee of 399.00 .but wait there’s more abuse you also have to pay a 499.00 fee for the terminal they say you get for free for signing
    with this p.o.s. company. so if you see a worldpay salesman standing in front of you just beat the shit out of him because that’s what he wants to do to you.

    Did you find this review helpful? Yes   No

    1. WorldPay US, Inc.

      We recently saw your post and would like to address your concerns. Please provide us with your merchant ID and contact information by emailing [email protected] and we will reach out to you to discuss further.

      Did you find this review helpful? Yes   No

  27. Joe Smith

    I would never recommend Worldpay. They have consistently raised their prices and for us that is almost 300% higher then when we first joined. We have called and they have no justification for the price increase. Customer service is horrible and they stick to their script. Do not use them. We plan to seek legal action against them.

    Did you find this review helpful? Yes   No

    1. WorldPay US, Inc.

      We recently saw your post and would like to address your concerns. Please provide us with your merchant ID and contact information by emailing [email protected] and we will reach out to you to discuss further.

      Did you find this review helpful? Yes   No

  28. Cheryl Young

    If I can keep anyone from signing up with WorldPay US as a merchant service provider I will be happy. We have had nothing but trouble since starting with them. We were given a “proposal” based on our previous merchant service provider. They broke it down in tiers. The lowest rate tier is where about 80% of our card swipes fell. The proposal was based on this. I was concerned about the high rate of the tier 4 rate but was assured that most of our cards did not fall in this tier. From the start about 80% of cards of course fell in this high rate tier. We signed a 3 year rate guarantee. DO NOT DO THIS! The cancellation fees they charge are outrageous. After 7 months of trying to fight the tiers and getting nowhere we decided to cancel and switch. We opened a new bank account knowing they had access to our old account. They tried to get over $7,900.00 in early termination fees out of our account but our band rejected it due to lack of funds. They are still badgering us over this but we have already talked to our attorney and are fighting it. They are a very unethical company!!!!!!! Do not sign up with WorldPay!!!

    Did you find this review helpful? Yes   No

  29. Edward

    A Worldpay salesman came to my business 2 ½ years ago on July 26, 2011. I discussed my plans of retiring in a couple of years. He said that would not be a problem since I had my own credit card processing equipment and supplies. The salesman said he’d email me a copy of the agreement. He did not, receive it so I had him send it again, still nothing so he gave me some excuse and said he would send bring it by. I still never received it. The salesman promised that he (Worldpay) could save me money and that I could cancel processing when the time came to retire. Since then, the fees have continuously increased. They always come outs with fees out of nowhere. I closed my operations in November of 2013 and have had no credit card processing since that time. In December, $151.23 was withdrawn from my bank account for a “Compliance Fee”. I Sent a letter on January 8th, 2014 requesting cancellation of my account and return of the $151.23 since I did not have (and will not have any further transactions). On January 20, 2014, an additional $495 was withdrawn from my bank account.
    In my opinion, this company has practiced fraudulent business in every aspect. First they lied to me about everything including merchant fees, They promised they had the best rates available which is a complete lie.

    Did you find this review helpful? Yes   No

    1. WorldPay US, Inc.

      We recently saw your post and would like to address your concerns. Please provide us with your merchant ID and contact information by emailing [email protected] and we will reach out to you to discuss further.

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  30. Manuel

    When world pay had process my credit cards transaction they always overcharge,They always come outs with fees out no where.Buy the time i want to cancel my account after 4 years they charge me $495.

    WORLD PAY IS NOT A SERVICE COMPANY YOU SHOULD WORK.

    DO NOT USE THIS COMPANY

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  31. Chad Johansen

    I would recommend to never do business with WorldPay! I did business with them for 4 years and decided to cancel their service due to never using it. They replied with I need your $495 in order to do so. How can you do that to a loyal customer! Beware of this company and I would highly advise to look elsewhere!

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  32. CTD

    These people are the worst i’ve ever dealt with. every negative post on here is true. Fees come in from all over the place, they are the highest i’ve ever paid, customer service is the worst. I cancelled after 2 months and blocked them from charging my account a single dime for cancellation fees. Total incompetent thieves

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  33. Zane

    I sold my business recently and called to cancel my service. They cancelled the service and charged my bank account $495. Upon inquiry, they said that I have signed a contract that says that I will be charged termination fee of $495 if I cancel within 3 years.

    I don’t remember signing any contract and was never made aware of this termination fee when I signed up for service. I asked for a proof of contract and they emailed me a copy. It had my name and signature which I never signed. The signature wasn’t mine and the writing wasn’t mine either. They said I should contact an attorney if I have an issue with this.

    I can’t believe that companies like this continue to exist in USA.

    Please be aware that they also charged me hefty monthly fee + PCI compliance Fee + Annual Fee + Transaction Fee + Settlement Fee + other fees.

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  34. Taliah

    Worldpay is the worst company to ever do business with. Every month there are new fees that mysteriously pop up. Then they claim they told you about them. Whatever you do, DO NOT do business with this company!

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  35. Superior Pest

    Worldpay gets you to signup by claiming low rates but in the end the monthly fee combined with the transaction fees end up being much higher. If you are not a large credit acceptance location i would definitely recommend Square over Worldpay as its simpler with no monthly fees and no cancellation fees as if you try to cancel on worldpay they try to charge thru the nose!! I do not recommend worldpay at all!!

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  36. Susan

    Based on other reviews, there seems to be a theme when trying to cancel with WorldPay. Originally we didn’t have a problem with them, but it seemed like every other month there was some new note on the top of the statement about how the rates were changing and not for the better.

    Also, we began to have communication problems with our machine. We called several times and got different solutions, eventually it was fixed, but in the slowest way possible that included the machine dialing the primary line and then the secondary line. It took so long customers would ask us if there was a problem.

    While calling to fix the terminal problem I asked if we were under contract and if there was a fee for getting out of it. We were told no, we were not under contract so we could cancel at any time.

    Two months later we finally switched companies, but when we called to cancel the account- the first time, we were told after going through several steps that they could do it, but they needed to talk to the owner, who wasn’t at the business with us at the time. The second time, while on the phone with the owner, they told us they could not do it, that we had to call some random guy named Scott, that works at another company and get him to do it. (First of all, why do I need to call a guy at another company, when you are the company that everything is with).

    So, we call Scott, of course he doesn’t answer, we leave a message. He calls back and tells the owner that our rates are fantastic why would we want to change. The owner tells him to speak with me and to call back. Scott never does, even after I tried to call and left several messages. So, the third time we called WorldPay we told them we’ve done all we can, that we called Scott and it’s two weeks later and he has not contacted us back. They said they will try to call Scott, they of course got no answer, so they sent him an email and CC’d us on it. They said if they didn’t get a response he would get the WorldPay Supervisor to give us permission to cancel. We got no response. Finally, the representative called back the next week and said since Scott never responded to the email that we were authorized by the supervisor to cancel, but for a $495 fee because we had finished our 3-year contract in July and it automatically renews for a year after the original contract is up unless someone calls beforehand to cancel it.

    That opened a whole other box of problems since we were told months ago that we are not under contract. We argued back and forth, I was basically called stupid because I could not have possibly called WorldPay to ask them because they would have told us we would have had to call Scott to close the account. Guess what, I did call WorldPay and one of your employees told me not only did we not have a contract that we could cancel at any time. So now, we have to wait for another 24-48 hours for the supervisor to read the email sent by the representative, hopefully pull the recording of the phone call of when I called about the terminal and asked if we were under contract and even then they are saying that if the WorldPay employee said we were not under contract, then she was just mistaken and we might still have to pay the fee. We are on Day 21 of this saga, let’s see how long it will continue.

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  37. Shun Cheung

    Worldpay is a pirate. After I finished my 3-year contract with them for credit card processing, I called them to cancel the account and they told me that my account was automatically renew for one year. They have a shady business practice and wanted me to pay $495.00 early termination fee after I cancelled the account. They put my account on collection after I refused to pay. And those people just kept bothering me through the phone threatening a law suit. After complaining via BBB, without much help, waiting a lot of time and energy, I settled with the collection agency for $300.00. But now that another collecting agency called telling me I still owed world pay over $1000.00. I think all the worldpay victim should come together and do a class law suit. Any government agency can help?

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  38. Doug

    Last year I posted an item about World Pay Charges for Gift Card Dormancy Fees. A total rip off as WP is not out any money for making this adjustment.. After fighting with to get this eliminated < here is out most recent letter to World Pay dated Aug 7, 2013

    Dear Lyndi,

    Well another month, another statement and more gift card dormancy fees. This is now officially UNBELIEVABLE! I cannot possible tell you how dissatisfied I am to be a WorldPay customer. You guys agreed to drop these fees last year to keep our business but apparently you don't want it! Every month of this year we've had to waste our time calling you, explaining the problem, getting a credit issued and being told that NOW it's fixed. It would seem that WorldPay is just hoping we stop checking our statement in hopes that we'll give up trying.

    I will need you to issue us another credit – this time for $600 charged on our most current statement. I will also need you to explain to me why we should continue to do business with you. I have merchant processors beating my door down for our business while WorldPay is providing nothing but poor service and higher rates. If you truly want our business, you need to offer SOL more incentive beyond waiving dormancy fees.

    I expect a timely follow up on this matter.

    Very sincerely,
    Bruce – Operations Director

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