World Payment Services Review


Not to be confused with WorldPay, World Payment Services, Inc. (WPS – worldpaymentservices.com) is a merchant account provider that specializes in servicing small to mid-size businesses. The company has been operating since 1998 and provides services that allow merchants to process credit cards and other non-cash forms of payment. WPS claims to be “powered by First Data,” which indicates that the company resells First Data processing services in some capacity. The company is a registered VISA Independent Sales Organization (ISO) and MasterCard Member Service Provider (MSP) sponsored by Wells Fargo Bank, N.A., Walnut Creek, California, as its acquiring bank. The company itself has its headquarters at 207 Fayetteville Street, Raleigh, North Carolina 27601. Jack Kimball is listed as the president and CEO of World Payment Services.

Key Points

  • Sales & Marketing: World Payment Services appears to hire independent sales representatives but is not currently showing any merchant complaints about its sales practices.
  • Costs & Contract: World Payment Services offers a multi-year contract through First Data with a $295 early termination fee.
  • Complaints & Service: World Payment Services has received fewer than 10 public complaints.
  • BBB Rating: World Payment Services has an “A+” rating with the Better Business Bureau and has received zero complaints in the last three years.
  • Rates & Fees: How Merchants Got The Best Rates With World Payment Services

World Payment Services Products and Services


  • Retail
  • Mobile
  • E-commerce
  • MOTO
  • Restaurant
  • Petroleum

Response from World Payment Services

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Sales & Marketing

Key Points - Sales & Marketing

Employs Independent Resellers Yes
Advertises Deceptive Rates No
Discloses All Important Terms Yes

World Payment Services appears to hire independent sales agents to sell its contracts. Although independent sales agents are often motivated to sign merchants up for the most expensive terms possible, WPS is showing nearly zero publicly listed complaints about its sales tactics. The lone complaint we have ever seen about the company’s sales practices was filed with the Better Business Bureau, and in this instance the company enforced the full early termination fee despite the merchant’s claim that the fee was not disclosed by a sales agent. This stance differs dramatically from the company’s response to a former BBB complaint in which it refunded the fee in full. Overall, the company’s low complaint rate regarding its sales practices inclines us to award it an “A” in this category for the time being.

Response from World Payment Services

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Costs & Contract

Key Points - Costs & Contract

Swiped Rate Variable
Keyed-in Rate Variable
Early Termination Fee $295
PCI Compliance Fee Variable
Equipment Lease Terms Variable

According to a copy of the standard World Payment Services contract (available below), the company charges an early termination fee of $295, an annual fee of $95, and a monthly statement fee of $25. The company may also charge other fees, and it’s possible that the fees in this document can be altered by independent agents if necessary. A lack of complaints seems to indicate that the company does not charge excessive fees and clearly communicates the fees it does charge at the point of signing. There is no information at this time regarding the company’s equipment lease policy, but merchants are encouraged to purchase equipment up front whenever possible. See the World Payment Services Merchant Application.

Response from World Payment Services

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Complaints & Service

Key Points - Complaints & Service

Total Online Complaints <10
Live Customer Support Yes
Most Common Complaint N/A

WPS lists a dedicated support phone number on its website. After searching for World Payment Services reviews on other websites, we were unable to locate any complaints about the company outside of the BBB. It is possible that First Data provides some customer support for WPS clients, which would result in those complaints appearing under First Data’s online profiles rather than WPS’s. Regardless, the company appears as of this update to have an enviable complaint rate for its size and time in business.

Response from World Payment Services

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Key Points - BBB

Product & Service Complaints 0
Billing & Collection Complaints 0
Advertising & Sales Complaints 0
Guarantee & Warranty Complaints 0
Delivery Complaints 0

WPS is not accredited with the Better Business Bureau and currently has an “A+” rating with zero complaints lodged against it in the last three years. The company has also not received any negative informal reviews to its BBB profile, although it should be noted that these reviews are not always subject to verification by the BBB. Given WPS’s clean complaint record, we agree with the BBB’s rating at this time.

Response from World Payment Services

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World Payment Services Logo

World Payment Services Bottom Line

By all available metrics, World Payment Services appears to outperform many other merchant account providers of its size who also use independent agents and rely on First Data for their processing. There is some indication that the company’s very low complaint rate is the product of a corporate policy that emphasizes and enforces full disclosure. Therefore, the company’s rating is likely to improve as long as it maintains its strong complaint record.

Hi, I’m Phillip Parker and I believe that the merchant account industry has been overrun by people who engage in fraud and deception in order to steal from hard working business owners. I created this website to help you avoid the bad players, save money on fees, and get peace of mind with your merchant account. If you would like to help support my work, check out my cost analysis service. I can evaluate your statement and tell you exactly how much you're overpaying for your merchant account. Get more information here.

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