WorldPay Review

309 Replies

Credit Card Processors
WorldPay Logo
Category Breakdown
Sales & Marketing rated C minus
Costs & Contract rated D
Complaints & Service rated C
BBB Rating rated C

Overall Rating

C- Credit Card Processor Rating


WorldPay ( is a very 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.” Philip Jansen is listed as the company’s CEO.

WorldPay Products and Services Industries Served
  • Debit and credit card processing
  • ATM placement
  • Gift and loyalty programs
  • Check processing
  • Online payment gateway
  • EMV acceptance
  • QuickBooks integration
  • Retail
  • Mobile
  • E-commerce
  • Travel
  • Digital goods
  • Gambling

Related: Find The Best Processor For Your Business Type

Sales & Marketing | 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 for the industry and usually leads to a moderate amount of complaints. In this case, we are able to locate over 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. Given WorldPay’s complaint volume and the regularity with which these complaints have been posted, we have assigned the company a “C-” rating in this section.

WorldPay Marketing Example

Related: Find The Best Providers By Processor Type

Costs & Contract | 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 type and according to 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 company’s 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. See the WorldPay Merchant Agreement.

Related: Best Processors For Quickbooks Integration

Complaints & Service | C

Key Points – Complaints & Service
Total complaints: 250+
Live customer support: Yes
Most common complaint: Hidden fees

There are hundreds of negative WorldPay reviews online, and many of these complaints accuse the company 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 very active in responding to publicly filed complaints (including those in the comment section below this review), but it’s unknown whether the complainants ultimately receive satisfactory resolutions to their problems. It should be noted that many complaints may get attributed to WorldPay’s resellers instead of WorldPay itself and vice versa.

Related: Best iPad & Tablet Point of Sale Services

BBB Report | C*

Key Points – BBB Report
Product/service: 124
Billing/collection: 132
Advertising/sales: 14
Guarantee/warranty: 0
Delivery: 0

As of this review, the Better Business Bureau is showing that the company received accreditation in 2010 and has an “A+” rating despite 270 complaints filed in the last 36 months. Of the complaints, 124 are due to problems with products and services, 132 are due to billing and collection disputes, and 14 have to do with advertising and sales issues. WorldPay has successfully resolved 57 of the complaints, while the remaining 213 either were resolved to the dissatisfaction of the merchant or did not receive a final assessment from the merchant. Considering the company’s complaint volume and resolution rate, we have adjusted the BBB‘s rating to a “C” for the purposes of this review.

* Denotes CPO-adjusted BBB score

Related: Best Processors For E-Commerce

Bottom Line

WorldPay Review

Rated 2 out of 5 Stars
Reviewed by Phillip Parker
Reviewed on 2015-10-02

WorldPay is a very large direct processor that has an international presence. It rates poorly according to our rating criteria due to a large overall number of complaints. The company can 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 10/02/15.

Leave your review of WorldPay in the comment section below:


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  1. Kate


    We closed our accounts on the 7th September however today (11/11) they have taken £168. We are currently speaking to the 4th ‘salesperson’ or as I’d like to say ‘con artist’. They have admitted this money has been taken in error and will they give it back with they heck. Passed round and round in circles by this scam company………We are desperate and no-one seems to care. We have just been told we need to put in for a charge back with our bank as they have ‘stolen’ the money by mistake and they can’t give it back!!!! They don’t even know why they have taken it


  2. John Peterson

    The Worldpay saleswoman didn’t tell us that there was a £1000 early termination fee and didn’t mention that we had a 36 month contract. We’ve almost gone bust because of these criminals. When I asked if there were any other fees, the saleswoman said “Only the transaction costs”.


  3. Monica Smith

    My monthly fee for my service when I signed the contract should have been $14.95/month. However, shortly after signing the contract and charges being taken out of my account, I noticed my monthly charges creeping up. I called customer service back in Jan 2015 and the rep agreed that my charges should have only been $14.95/month and adjusted my account accordingly. However, I called today because since Feb 2015 my monthly charges have been anywhere from $26.90 to $41.85/month. The customer service rep today refused to adjust my account and tried to justify why my monthly fee should be more than $14.95/month. Even for the billing month that I talked to the previous rep. I asked to speak with her manager. Needless to say I was never given a manager to talk with!!!! I then asked about terminating my service and she told me that amount that they would charge to do it and that if I waited until March 2016 my termination fee would decrease by $100. I wasted my valuable time and not to mention money to get bad customer service not to mention being overbilled!!!! I sent an email to WorldPay after my telephone conversation with them this morning. It will be interesting to see if they care enough about my business to respond!!

    1. Worldpay US, Inc.

      Hi Monica, we’ve received your email and replied with a response. If you have any further questions we would be more than happy to assist you. Our e-mail address is [email protected] please feel free to contact us at any time.

  4. Steve

    The absolute worst tech support. I HAVE BEEN ON HOLD FOR 40 MINUTES and still do not have a representative. Just a recording that keeps apologizing for the delay. Then they go on to tell you how easy it is to access information…. just don’t try to get a person this- is my 3rd incident of this nature. Someone should be held accountable at the upper management level.

    1. Worldpay US, Inc.

      Hi Steve. We apologize that you experienced that long of a hold time when you tried to reach us and would like to provide assistance. If you can please send an email including you merchant id number to [email protected] we will have someone reach out to you.

  5. Sofyan

    They are not transparent nor honest
    The contract is full of tricks
    The monthly fees varies and very hard to break it down.
    I have signed two contracts for two terminals,
    I tried to terminate one contract,, they charged me $780, and when i felt bad and decided to terminate the other contract, they did not care and they said: its fine then you will pay another $790.
    They care only until you sign.

    1. Worldpay US, Inc.

      Hi Sofyan. We are sorry to hear that you have decided to terminate your business with us and that there were Early Termination Fees accessed. We would be more than happy to take a look at everything for you. If you can send an email to [email protected] we will look at your contracts and have someone reach out to you.

  6. Edroy wigfall

    Worldpay is robbing me has 1000 dollars of my money on hold for nithing. This mess with people lives. We all have bills to pay, its the worst thing i ever did

    1. Worldpay US, Inc.

      Hi Edroy. We apologize for any issues that you are having with your account and would be more than happy to take a look at for you. Please send an email including your Merchant ID number to [email protected] and someone will reach out to you.

  7. Matt

    World Pay are complete crap, They auto renew your contract and then try to charge a leaving fee of £215 to leave even with notice and having a contract of over a year.

    Stay away from these conmen and the terminal always has errors

  8. TJ

    Worst experience I have had dealing with any company or service while operating my own businesses. Misleading and dishonest sales tactics, including many different or additional fees than communicated. Terrible client service and many unkempt promises. Very disappointed with worldpay and would never recommend to anyone.

    1. Worldpay US, Inc.

      Hi TJ. We apologize for any issues you have had with your account and would like to get some more detailed information so we can try to assist. Please send an email including your merchant id number to [email protected] and someone will reach out to you.

  9. Joe Perricone

    I was sent to collections for $100 due to an error with my ach account. Instead of calling me or emailing me to let me know and take payment, this company sent me to collections and ruined my credit. Why in the world would you want to destroy your customers over a mistake? Worldpay is garbage. Their service is terrible as well.

    1. Worldpay US, Inc.

      Hi Joe. We apologize for any miscommunication that took place with your account. We have also received your email regarding the matter and someone will be reaching out to you later today once your account has been reviewed.

  10. Ierina

    NEVER! Don’t sign contract with Worldpay, you won’t have any normal way to get out that swamp where they will get you with their payments and fees. They will push you to sign the contract without letting you enough time to read it, agent will sit next to you and push you to do it quicker as he have next appointment and on question about cancellation – answer was – no Problems, just call and will cancel it, without mentioning that it works only first 5 days! Agent didn’t explain me what fees I will get if I will decide to cancel after these 5 days, you don’t get that information clearly stated nowhere so you are on your own and all you will get is just – pay, pay and pay!!! after that you have to beg them to send an email to you to cancel contract and you will wait for it for long time if will receive any. Customer service don’t help at all, online account is awful and hard to understand, I even didn’t use that card machine as I didn’t open my business after 3 month of tryings, so the machine is new, I still need to return it them and pay around £300 for nothing! There is 0 understanding and don’t expect anything good with them!

  11. Pernnelle

    I am beyond furious I have received the following treatment as those mentioned before. First of all when I applied for the account I received no notification at all as to whether or not the application had been successful, I only found out when I saw that a payment was taken from my account so I called to find out what had happened I was told that an email had been sent, but to the wrong address which should of set off alarm bells as my email address is the same as my name so I have no idea as to how it could have been mis spelled! the first sign of incompetence! but I decided to give them a chance. Then I was charged twice in the same month for PCI DSS again I was not informed this extra charge would be coming out of my account and therefore had not budgeted for it, which then sent my account over drawn which meant I would be charged by my bank. I called up to complain and was told by a Katie who had spoken to her manager that they agree it was a mistake on their part for not adequately informing and that they would refund the charges all I had to do was send evidence of the bank charges. So I thought great that’s sorted! I was wrong! once I had sent them email confirmation of the charges on my bank statements. NO one and I Mean NO one replied to me I called and spoke to a Helen Harker who said she would get this credited and nothing happened no reply nothing! I then spoke to a Andrew Grey who said the same thing and Nothing! I have now called up and spoke to a Kevin who tells me this was passed to the complaints team and they have rejected my claim. They’ve given me NO reason as to why it was rejected! and refused to speak with me! If I had never called up I wouldn’t even know! there was no phone call and NO email response, nothing! This is the worst customer service I have ever had! and they sell you on this benefits club nonsense which you don’t even get access to, even after you make a transaction(test)! I haven’t begun using their services and the experience has cost me a small fortune!! I have literally been paying them since February for nothing! I am looking for a new service provider so that as soon as my contract is up I am switching!!! if you are not already signed up with them save yourself the bother, the money and the stress! STAY AWAY ! they really should be shut down by the financial authorities they are robbing small business which will potentially ruin our economy! so like I said DO NOT I repeat DO NOT use Worldpay!

    1. Worldpay US, Inc.

      Hi Pernnelle, we would like to apologize for the inconvenience you have been experiencing with your account. Please send an email with your merchant id number to [email protected] so that we can look further into everything to see what happened (so that can be addressed with the parties involved) as well as see what can be done to hopefully resolve the issue.

  12. lauren Evans

    Really as unhelpful a Company as I have come across. Effective communication is almost impossible. They ignore emails and have you hanging on the phone for ages.
    I sold my business and the new owner was to take over my contract (as has happened before). The new owner was told that he couldnt take over my contract and had to open a new account with a new contract. Now Worldpay want to charge me £180.00 to terminate. They have said that I should have given them 30 days notice before the end of my contract and that I am now entered into another 18 month contract for a service I dont need. Beware!!!!

  13. James Boyle

    World pay refunded a hacker £1500 from my business even though my bank refused the fraudulent transaction. I have never had a £1500 sale to have needed to refund £1500 to anyone. I have never done any refund on the terminal of any kind plus my shop was closed atthe time of the refund. Carl Turner customer relations at world pay is helping hackers rob world pay costomers. Avoid this company at all costs. This is now in the hands of the police fraud unit

  14. gareth jones

    Disgusting service! i received 3 chargebacks (all successfully appealed against) in 6 months, and they decided to close down my account

    Before they done this however they totally cleared my bank account as ‘insurance’ and done it as an international transaction so it couldnt be reversed by my bank

    They are now holding my money for a further 180 days! what a joke, this has left me totally broke, but its in their terms and conditions so all is fine i suppose!

    1. Lee

      I have submitted a complaint to the financial ombusman about Worldpay and i am considering legal action. On 15th April 2015, I entered into a contract with WORLDPAY for the provision of payment processing services. Before I agreed to this contract, a representative of the company, made the following representations:

      1. In response to my question, ‘what are the total costs that will be incurred’, he stated that the only costs involved would be the transaction fee percentage.

      2. When he asked me how many terminals I required, I said that one would be sufficient, however he probed me on how many sales agents we had and when I said there were potentially three, he stated that the transaction rate would be the same if I took two additional card terminals.

      It has now come to my attention that these statements are not true, specifically:

      1. The written contract refers to an additional minimum service charge and additional terminal hire charge.

      2. The written contract states there is an additional minimum monthly service charge and terminal hire fee for each terminal.

      At no point did the representative state there was a monthly service charge and terminal hire fee.
      Nor did he provide me with a written copy of the contract.
      I was only given an opportunity to see an electronic copy of the contract via the IPad that he was holding and he did not show me the following information on his IPad:
      • Section 13, page 4 of 6, which refers to additional terminal hire charges (unsigned)
      • Additional Outlet 1 of 2, which refers to additional fees (unsigned)
      • Additional Outlet 2 of 2, which refers to additional fees (unsigned)

      A written copy of this contract was received only when it was specifically requested by me.

      The representations made were instrumental in inducing me to agree to the contract, and had I known that they were not true I would not have entered into this contract.

      In addition to the performance rendered under this contract failing to meet my expectations, of further concern WORLDPAY provided false signatures in the written contract for both myself and my colleague! Just shocking. When I wrote to WORLDPAY to express my concern and rescind the contract, they just ignored me and thought it had no relevance! For others of you in my position, please note the following law that may assist you

      The Misrepresentation
      Leading cases such as Derry v. Peek make it clear that there is a misrepresentation where a party to a contract makes a statement which is not true, and this false statement induces or causes the consumer to enter into the contract.
      This is the case even where the misrepresentation is made innocently.

      Rescinding the Contract
      Under the leading case of Derry v. Peek, where there is a misrepresentation, the consumer is entitled to rescind the contract. This means that he can return any goods or services provided under the contract and is entitled to be refunded any and all money which he has paid out under the contract.
      There is no defence to this.

      1. Worldpay US, Inc.

        Hi Lee. We are sorry to hear that you feel that there was some misinformation provided by our sales agent and that your signature was forged. We of course take issues such as these serious and would like to further analyze including your contract everything to make sure we get this addressed with the sales agent. Please send us an email including your merchant ID number to [email protected] and someone will reach out to you.

    2. Worldpay US, Inc.

      Hi Gareth. We apologize for the issues with your account and would be more than happy to contact Risk and look into it further to see what happened. Please send an email including your merchant ID number to [email protected].

  15. Jarrod

    Well where do I start. I’ve had problems with worldpay since early days problems with my account. Being charged extra for what I was told when I called as Ummm… we don’t know. Yeah! Really reassuring. Still don’t know why I was charged extra several times to this date. Then getting a fine for not sorting my PCI DSS out in time. Well I pay all of my bills quickly and efficiently as I always have. Called up and got told that we were sent 3 letters. We haven’t had one to date. I explained this several times on the phone as was made out to be a liar which after the 3rd time being told I lost my cool. I am disgusted that I was never contacted and then fined an then called a liar by this so called professional company. Strange how as soon as I had the bill I called immediately and sorted it out in 10 mins and my PCI DSS was done. Try actually notifying people. Phone call, letter, email ANYTHING!

    Also on another note I had a letter about a Month ago about an arrears that needed paying. Turns out instead of asking they threaten me with legal action immediately rather than ask for the money. As I had switched recently the money should have been taken and sorted as the date was arranged around payment dates. A fault on Worldpays part.

    I will be looking for a new worldwide payment processor and acquirer asap as I’m disgusted at the way this company deal with people. My advice is staying clear of them and go elsewhere. AVOID!

    1. Worldpay US, Inc.

      Hi Jarrod. We apologize for the interaction that took place with one of our agents and the discrepancy with your rates and fees and collections issue. In addition to the letters the notifications regarding needing to complete the PCI process before a certain date, it should have also been on a few of your monthly statements under the Important Notice Section. We would like to take a look for you to confirm if they were listed (if not we can definitely look into refunds since that is our error) and also double check that the mailing address we have on file for you is correct because it could be that they were returned back to us. Please send an email including your merchant ID number to [email protected] and someone will reach out to you.

    2. Richard Trammell

      I called WorldPay several months ago to cancel. I was told that my termination date was September 7th. I call August 31st to cancel and I was told that I have to pay $499 to cancel as I have to do so 90 days before termination date. Apparrently this is set up that way because they know you will forget, so that you are stuck with another year or you have to pay $499 to cancel. I’ve used them since 2011 and I am blown away by this practice. I will never recommend this company.

      1. Worldpay US, Inc.

        Hi Richard. We apologize for any misinformation that may have been given and for causing any frustration. We have also received your email and are currently reviewing your account to see what can be done. Someone will reach out to you soon.

  16. A Smith

    Horrendous company! Everything they tell you on the phone changes as soon as you hang up. Fees are always more, they say you have signed a contract when you haven’t. Emails make no sense….I could go on. Totally awful company. The left hand doesn’t know what the right hand is doing. Avoid like the plague!

    1. Worldpay US, Inc

      Hi A Smith, we’re sorry about your experience you’ve had with us recently.If you can send us an email including your merchant id number to [email protected] we would be more than happy to take a look at your account it for you.

  17. Kaliny

    I WOULD NOT RECOMMEND WORLDPAY TO ANYONE! I am based in the UK and have had a similar experience as the ones posted. I have been a customer of Streamline/Worldpay for 20 years and used a physical terminal. I had a meeting last year with an Area Sales Representative who offered me much lower rates and the first 100 transactions free of processing charges for transferring over to a virtual terminal subject to a set-up fee of £150, which of course at the time I thought I would recoup by paying lower processing fees. I wasn’t ready to sign there and then but I contacted the rep after a couple of months to proceed. However a different rep turned up to process my application and the lower rates and 100 free transactions have NOT been honoured and I too have been hammered with premium charges. The whole process has turned out to be pointless, time consuming, waste of money and it has cost me significantly more than what I was paying before, not to mention all the stress it’s caused. Have tried to complain but to no avail. Their customer service is useless and the bottom line policy seems to be, “you signed the agreement” despite the misrepresentation that got me to sign it. It’s double standards – one rule for them and another for the customer.
    I would agree, they do not care about customers. Once they’ve got you signed up, they do not want to listen to you. ABSOLUTE RIPOFF – DO NOT TRUST THEM. On top of that, their PCI Compliance process is far too complicated for small businesses and even after I had passed compliance, I was still getting notifications for “attention required”! It all seems to be an excuse to get more money out of you. They don’t explain that if you want to minimise or eliminate fraudulent use of cards to avoid chargebacks, you have to pay extra for the secure encryption service. Quite honestly, I was better off with the physical terminal.


    I tried to cancel my contract today because my business is closed. I was told I had to pay an early termination fee of $2000.00. I called a month ago to cancel and I was told I could leave the account open for the remainder of the contract but they failed to tell me that they would charge my closed bank account $150.00 each month anyway.

    If I had that kind of money, I would still be in business.

    1. Worldpay US, Inc.

      Hi Dawn. We apologize for any confusion with your cancellation process and contract with us. If you can send us an email including your merchant id number to [email protected] we would be more than happy to take a look at it for you.

    2. Kayla

      You are absolutely correct! This company is a BIG SCAM they’re all about taking MONEY from their clients! Processed payments a couple of weeks ago still hasn’t clear yet! asking for all types of documents (Bank statements, Tax Report, ETC.) Would you send your personal documents to a stranger? It feels like ROBBERY in order for you to get the money that they owe you, you need to provide your tax report and bank statement to them which I don’t have a clue until now why they need that! Have you tried to call their customer service? well they all sound like they just woke up from a bad hang over! Very BAD, RUDE, USELESS CUSTOMER SERVICE!!! Lesson learned!!! Google the company first and read their reviews before signing up. TAKE IT FROM ME IF YOU DON”T WANT ANY HEADACHES OR HEART FAILURE DON”T FALL FOR THIS COMPANY!!!!

      1. Worldpay US, Inc.

        Hi Kayla. We are sorry to hear that you are having a bad experience with our Risk department and would like to look into this further for you. Please send an email including your merchant id number to [email protected] and we will have someone look into the account to see what needs to be done to release the hold and also see what may have caused it so we can hopefully do what we can to prevent it from occurring again.

  19. Chirodoc48

    Avoid this company! The sales staff use bait and switch tactics to sign you on and will not disclose the numerous costs and obstacles of closing an account. They will lie and take money out of your account and its impossible to reach a customer service rep to rectify any type of problem. Please note that I will be posting a negative review regarding the sales staff at your company. I will also be posting a rip off report regarding the the sales tactics used by(Christopher Keeton) Transengen sales staff to open new accounts. he contacted me regarding my health care office process fees and indicated that I could save money by using their services that were directly tied into Office Ally. I told them that I was already using a processing company and my current contract was on a month to month basis. He indicated that I could use the processing services provided by Transengen (World Pay) to save money and if I didn’t like it stop at any time no problem and no early termination fees. The fees were higher each month so i decided to cancel. I contacted customer service representative at Transengen (Lisa) and learned that they were really World Pay. Lisa indicated that to close the account a early termination fee would be applied. I have to tell you that I’m really disappointed with the experience of using the Revenue Maximizer software (TERRIBLE SOFTWARE) and with the situation with Worldpay what a rip off. Also, on top of that World pay has been charging me $40 a month for six months for PCI non compliance. I never received any type of notice.

    1. Worldpay US, Inc.

      Hi. We are sorry to hear that you had a negative experience with your sales agent and account fees and would like to address your concerns. Please send an email including your merchant id number to [email protected] and someone will reach out to you.

  20. Kathy Wallmueller

    If you are thinking of using this company: DON’T.

    The person who set up my account and convinced me to go with this company left a week after I signed up. It took 2 months to get everything set up to where it worked correctly. He did not explain the monthly charges I would incur whether I used the account or not, and I had numerous problems processing with my iPhone and Android phones initially.

    I have been frustrated for 2 years and it’s been a nightmare dealing with them. I haven’t processed a card in the past year and a half through them and continue to be under contract. Last week, prior to my annual fee charges, I called to cancel services – they were closed, so I left a message. They are on the east coast time zone apparently and I am in Arizona. It’s hard for me to call during their work hours. No one returned my call, as usual, even though their message says they will. I said in the message that I want to deactivate my account. In addition to not calling back, they proceeded to charge me my upcoming annual fee of $171.89!!!! I called back today and was informed they cannot reverse the charges. They were “kind enough” to refund $50. Then charged me almost $100 to get out of my contract. I am a very small business that can ill afford to be charged for a year of services that I clearly won’t use and then charged for the privilege of NEVER using them again!!!!

    I have no problem paying the fee to get out of contract. I am furious over being charged the annual fee the first business day after I left a message to cancel. This seems unethical and is definitely a poor business practice. The person “assisting” me would not transfer me to a supervisor because there isn’t one available at this time of the day (1:30 PM their time). I asked to have a supervisor call me back and she said she would do that. I am not holding my breath for that call.

    You wonder why small businesses have switched to things like square? These practices and lack of customer service, coupled with ridiculous charges are my reason.

    1. Worldpay US, Inc.

      Hi Kathy. We apologize for the inconvenience and frustration caused as a result of the fees associated with your June statement (specifically the annual fee) and the delay in canceling your account. Please send an email including your merchant id number to [email protected] and we will reach out to you to see if anything else can be done.

  21. Robbie Pepper

    World Pay is ridiculous. The non-compliance fee kept getting charged after I completed the assessment, and then when I cancelled my service after 4 years they said I will be penalized for cancelling in the amount of $400. This company is a complete ripoff. DO NOT use World Pay!

    1. Worldpay US, Inc.

      Hi Robbie. We saw your post concerning your ETF amount and PCI non-compliance fees and would like to look into the account further to see how we may be able to assist, Please provide us with your merchant ID and contact information by emailing [email protected] and we will reach out to you to discuss further.

  22. Tom

    ATTENTION!!! World Pay is going to charge us over $9,000 to end our contract early! This is not a joke or exaggeration! We are a small business and obviously cannot afford this. We recently had to buy a new POS system and it requires us to use a different processor. World Pay is not willing to work with us or be understanding of our situation whatsoever. We have been doing business with World Pay for over 10 years! Way to treat your long term customers World Pay!

    1. Worldpay US, Inc.

      Hi Tom. We apologize for any inconvenience and have also received your email regarding your locked rate contract and early termination fee amount. After your account has been reviewed someone will be reaching out to you to discuss things further.

  23. lauretta foday

    I opened an account with World pay in December 2014 for processing payments at my shop . My customers wanted to be able to make payments over the telephone so I rang Worldpay stating that I would like to me a able to process payments over the phone. A sales rep told me that in order for me to be able to do so I will need to get a new account with a new terminal. I agreed to this and signed another contract. After signing, I then realised that in fact my first terminal can in fact take telephone payments and I did not need to have another terminal or set up a new account. I then contacted World pay to cancel the account only to be told that i have to pay a cancellation fee of £632. I did not even realise that I was signing a 3 year contract. I would like world pay to waive this charges as I believe the the sales representative mis-sold a totally unnecessary product to me. I have written requesting this but I am yet to receive a reply from them . I have only been running my business for 6 months and I cannot afford to pay these fees.

  24. JohnJoe

    We are based in Ireland and use Worldpay UK – the service is dreadful – it takes ages for queries to be dealt with – we are hammered by “Premium Charges” for Swipe Cards and non EU cards – very inefficent and careless with instructions.

    We’ve been shopping around for a new provider and sadly they all seem to be of the same standard!

    If I can find a decent provider I will close my account in a flash.

  25. Bob Parker

    We terminated our contract with WorldPay, for cause, last month, and last week they took an Early Termination Fee of $10,624.08 from our checking account. Our cause, was the addition of the “Monthly Security Encryption Package” fee of $14.99, which WorldPay added to our monthly fees, 4 months after signing a “Guaranteed Rate” contract which only allowed the addition of 3 party pass-thru fees, but no increases or additions by WorldPay. The Rate Guaranty clause is as follows:

    Guaranteed Rate</b?
    Our Guaranteed Rate commitment applies to: (a) the “plus” portion of the “cost plus” processing rates applicable to Visa,
    MasterCard, and Discover credit and signature debit transactions, i.e. the part of the fee charged by WorldPay, Ii>and (b) all
    other WorldPay fees that are not charged on a “pass through” basis (e.g., voice authorization fees, chargeback fees, etc.),
    excluding American Express rates transactions, which are not included in the Guaranteed Rate program.
    Fees of third
    parties that are charged on a pass through basis (such as interchange, assessment, authorization, risk, and transmission
    fees of the applicable payment networks) may be increased directly by the third party during the term of the Customer
    Processing Agreement, and we will continue to pass those costs through to you without additional mark-up. If the payment
    networks institute any new fees or charges during the term of the Guaranteed Rate offer, those new fees or charges will be
    passed through to you without additional mark-up. You will also be subject to any standard fees that are levied by WorldPay
    or the payment networks for non-compliance (e.g., failure to validate PCI compliance status). WorldPay reserves the right to
    change your rates in accordance with the “Estimated Averages” section of your existing Customer Processing Agreement,
    which permits us to change rates in the event you significantly alter your method of doing business or if the actual volume or
    average transaction size is materially different than the amount shown on your application. The processing rate offered
    assumes submission of transactions via a high speed method. An additional $.02 per transaction fee applies if transactions
    are submitted by dial or other slow transmission method.

    We disputed this charge when it was first added to our statement, and were told that it was a third-party pass-thru charge from the PCI Compliance Department. There is NO PCI Compliance Department, at least not a “third-party” one. It’s actually WorldPay’s PCI Compliance Dept. When we finally got confirmation of this, we sent them a certified letter, terminating our contract for breach by WorldPay. The breach being the addition of the $14.99/month “Security Encryption Package Fee”.

    The following is a paragraph from the PCI Security and Standards Council’s website (

    Finally, there is an important differentiator that merchants should know about. The Council does NOT validate or enforce any organization’s compliance with its PCI Security Standards, nor does it impose penalties for non-compliance. These areas are governed by the payment brands and their partners. If you, as a merchant, have questions about requirements for compliance with any PCI Security Standard, deadlines for or reporting of compliance, only the payment brands can supply the answers, not the Council.

    Through the process of trying to have the contract breach resolved, we received this correspondence from a WorldPay supervisor:

    “I am well aware of the information you sent me as I have read over it frequently during my tenure here.
    What I have determined in investigating this is the following
    You are correct, your pci fee is not a pass through fee ( I addressed this on our last discussion)
    I located your original agreement and your more recent lowered rate agreements and they concur with what you advised
    – As discussed the PCI fees you encountered during 2014 were because of a system you no longer have that required 3rd party pci
    – Prior to 2014 you were not paying Worldpay PCI Fees since February 9,2009 (just as you stated)
    – In June of 2008 we sent you a letter advising we auto enrolled you in our security breach (now known as PCI) program, with an option to opt out
    – February of 2009 you called in and opted out and you had NO PCI/DATA BREACH PROTECTION
    – Opting out of having PCI / data breach compliance is no longer an option no matter what processor you are with as its mandated by visa and MasterCard in order to do business
    – When your rates were calculated the agent was unaware your PCI status was non-existent, but upon applying your new rates our system automatically loaded it onto your account, as it’s not something able to be left off anymore
    – There is a fee for this service, I went above and beyond to have this removed and was advised the absolute lowest this fee could be is $4.99
    – You still have the option of securing PCI outside of Worldpay, upon providing us a certificate of validation on a non-proprietary/non E2EE device we will remove the fees.”

    Bottom line: This was a breach of the terms of our contract, but WorldPay seemed to believe that didn’t matter. They took the money from our account using a different ID number than they had ever used before (we had put a stop on the ID they had been using from years). It was at the very least deceitful and unethical – at worst their actions could be considered criminal.

    We had been a WorldPay customer for over 10 years, and never had any issues, but after reading many of the posts here, and just going through the experience we’ve had, we would never recommend them to anyone, and in fact will make it a point to steer anyone who asks about CC processing away from them.

    1. Worldpay US, Inc.

      Hi Bob. We have received your email regarding your concerns mentioned above. Someone will soon be reaching out to you to discuss everything further after your account is reviewed.

      1. Bob Parker

        I’m still waiting for you to contact me, is this just a stock reply that’s used to make people think you care? How long does it take you to reach out and contact one of your disgruntled customers?

        1. Worldpay US, Inc.

          Hi. We apologize for any delay. We reached out to that department to confirm that a supervisor has now reached out to you and they advised that they spoke with you yesterday. Sorry for the delayed response, due to the site reviewing content before approving we did not see your reply until this morning.

          1. Bob Parker


            Nobody has reached out to me; I have made several phone calls to customer service at WorldPay, the most recent of which was to a supervisor named DelRoy McFarland. Although I have spoken to Mr McFarland, we do not agree on the issue of our Early Termination Fee, which appears to be in excess of $8000.00 for a contract which was breached by WorldPay – not us. So, I’m not satisfied with the outcome, and would like to know what part of my letter of termination was not clear. My review on the cardpaymentoptions website was pretty clear (I thought).

            The following is from our “Guaranteed Rates” contract:

            By committing to the new three year term, you understand that if your Customer Processing Agreement is terminated before the expiration of the new three year term for any reason other than breach by WorldPay, you will be required to pay WorldPay the amount that WorldPay would have received under the Customer Processing Agreement had such early termination not occurred (the “Early Termination Fee”).

            We have presented evidence that the contract was breached by WorldPay, when they added the “Monthly Security Encryption Fee” to our statement four months after the contract was signed. This was not a “third-party” pass-through fee, and is in fact a WorldPay fee, and as such is a violation of our Guaranteed Rate – which applies to: a) the “plus” portion of the “cost plus” processing rate applicable to Visa, MasterCard, and Discover credit and signature debit transactions, i.e. the part of the fee charged by WorldPay, and (b) all other WorldPay fees that are not charged on a “pass through” basis.

            The only other area of the contract which allowed for other fees was for non-compliance, which does not apply to this situation. The “Monthly Security Encryption Package”, which I was told was for PCI DSS, is widely known to be a “profit center” for the credit card processing industry. As I mentioned in my initial post, the PCI Security & Standards organization, DOES NOT CHARGE or implement fines or fees of any kind. This is up to MasterCard, Visa, Discover and Amex as well as the issuing banks. We were never told that we were not in compliance, the vx520 terminals that we were using are PCI 3.0 compliant, and we do not capture or store any customer card information. The only thing we store with regards to customers credit card information is the slip which the customer signs, and that only shows the last 4 digits of the card number, no expiration date or CVV code.

            I’ve been told by several WorldPay customer service representatives that EVERYONE, no matter who they process through, has to pay the “Monthly Security Encryption Fee”, because of the PCI DSS, but that’s also not true, as Chase Paymentech, has no such fee.

            After more than 10 years as a customer or WorldPay, I think we deserve more consideration than we’ve received to date. I would appreciate being contacted by someone who can speak knowledgeably about our contract, and our termination of service for cause.

          2. Tom

            Bob, we are being charged this fee as well. Can you give us an update on how or if your situation has been resolved with World Pay? Thanks

  26. Ivy Berry

    We just closed one of the office and needed to terminate our Merchant Number. I called yesterday and got the run around and was put on hold for over an hour to connect to what they called Business Review. I was put on hold for an hour. Then I called back and the guy told me after all the waiting he said they would charge me $195 for early termination and he said if I waited until the next day when I could talk to the Business Review people, they would help me. Total hours spent on hold and waiting with no result…3 hours yesterday.

    This morning, I called to talk to the Business Review people. After telling me that our company has been with Worldpay for a long time and if we terminate we need to pay a early termination fee. How can that be? We have been with Worldpay since Nov 2006 and then this becomes a early termination? Of course, I will have to talk to the Business Review people. I was on hold for 45 minutes waiting. And I am still waiting. And now they said the business review group is in a meeting and they will schedule to call me back. That’s what they told me before and NOBODY called me back.

    I suggested I send them a formal termination letter…No, they won’t accept that. I just suggest we will have our lawyer send them a letter. And now they are putting me on hold for the Business Review people. Because they are the only one who can terminate an account. I am still waiting on the phone as I am typing this.

    I can’t spend my life on this phone, being put on hold…just to terminate an account.

    I asked to talk to the manager. A Mr. Williams came to the phone and told me they would charge me $195 for early termination…Yep, there is a thing as early termination. Here is how Worldpay auto renew every year with them. And if you terminate before that annual auto renewal date, you are charged the $195. Buyer beware.

    After 5 hours on the phone, Mr. William was willing to terminate our account for $95. NO more holding on the phone. I have a case number to go with it..


  27. vex

    wolfs in a sheepskin. beware of scammers named Mike Batton and his wife Regan. regan is not affiliated with world pay but works as an agent getting contracts. than the contracts go to mike and ur on a hook for contract, even though regan says there is no contract… than when you decide to call back they will have no knowledge of who regan is and mike simply won’t reply back ever…. im currently filling a complaint against world pay with BBB.

    1. Worldpay US, Inc.

      Hi Vex. We saw your post concerning your account, Please provide us with your merchant ID and contact information by emailing [email protected] and we will reach out to you to discuss further.

  28. House of Fortune

    On March 18, 2015, we cancelled our account as of the end of March 31, 2015. At 5 p.m on March 31st they stopped our service to process credit cards. That isn’t the end of the day. They didn’t call to say they were cancelling it earlier than the end of the day (12 Midnight to the majority of professional companies.) I had to call to reinstate, and, at that time, I was told there was a $195 charge for an early termination fee and a $50 charge for a monthly fee. That was it even after asking two times. That is all that was told to me during my conversation with Worldpay on the 31st. I even have a confirmation number for the conversation. However(!), this was not the case. I received a new statement this month for additional service charges – $123.20 more! From the beginning, this Company has given false information. I would not refer this Company to anyone to do business with.

    1. Worldpay US, Inc.

      Hi House of Fortune, we saw your post concerning your account and the fees assessed to it. Please provide us with your merchant ID and contact information by emailing [email protected] and we will reach out to you to discuss further.

  29. Mary Beth Bryant

    Unfortunately my experience was that yes they do “reach out” with another rude rep that has no authorization to change or fix anything.
    Again WORLD PAY, my second invitation to you.
    Have someone call me that can work with me and not just give me flat fixed answers. My local WORLD PAY rep said even he did not have authorization to work with me.
    Again I take some responsibility for letting a renewal slip by without my full investigation of the fine print but since I have been with WORLD PAY numerous years one would think some negotiating to at least match what I have been offered elsewhere would be good customer service.

    1. Worldpay US, Inc.

      Hi Mary Beth Bryant. We saw your post concerning your account, Please provide us with your merchant ID and contact information by emailing [email protected] and we will reach out to you to discuss further.

  30. kelly

    Today, I called for the second time (first time call was 4/7/15) to cancel my service, after being charged $352.40 in fees post-cancellation. Because I did not have my case # with me (I live 4 hours from the business and doubt that I even have it any longer, as this was 2 months ago), I’m told that even though it is clear that my last transaction was on 4/6/15, there was nothing that could be done.

    Additionally, I was told that Worldpay would be charging me an ETF of $472 as my contract automatically auto-renews (I signed this contract in 2009).

    When the rep, Katrice, asked if there was anything else she could do for me (very rude), I said I would be spreading the word to fellow business owners and on social media to stay away from WorldPay and will provide my examples, she said “I don’t care”.

    Literally, those were her words!

    1. Worldpay US, Inc.

      Hi Kelly. We apologize for the interaction described with the agent and we have also received your email regarding this issue. Someone will be reaching out to you to discuss things further.

  31. alex

    I had some trouble with these guys back in march they took money from me, i eventually got it back the guys email to me was:
    Dear Mr Taylor

    Thank you for your email, I have tried to call you today without success. I am sorry that you’ve found cause for complaint and will explain the situation in this email.

    Account set up
    When an application is being assessed, if a customer does not send in ID, we will attempt to verify you through public records. We have completed this successfully during the assessment of your application.

    Historically, Worldpay was part of the Royal Bank of Scotland Group, which also includes Natwest. As a result, there is still an agreement in place to debit bank accounts with Natwest through the internal system. This is detailed in the terms of conditions for the account under clause 8.3. Whilst this will show as a ‘POS’ debit on your bank statement, I can confirm this is not a card transaction. I am sorry if this not clearly explained during the set up of the account and for the inconvenience that this has caused.

    Request for a refund
    I have arranged to refund the invoice of £149.26, as a gesture of goodwill, which is due to credit your bank account tomorrow. I have amended the set up fees for the account to be debited from the account next month. However, if you would rather not proceed with the account and have this closed, please let me know and I will arrange for it to be closed and the terminal to be collected.

    Further assistance
    If I can be of further help, please let me know by return email, or on my direct line, 0203 6643488, and I will be happy to assist.

    If you remain unhappy
    I hope my response is acceptable to you. If you remain unhappy, then you may have the right to take your complaint to the Financial Ombudsman Service (FOS). They can look at a complaint as long as your business has fewer than ten employees and an annual turnover of less than €2 million (approx. £1.68M). For more information about what they do and how you can contact them, please visit You should do this within six months of this email, as they may not be able to look at your complaint after that time.

    Best regards

    Then i woke up yesterday to see £440.40 gone out of my account when looking at this they was no reference just a line, i contacted the back they was puzzled, then they come back to me after waiting and said its the same id thing as the first transaction from world pay, WTF i canceled then so now they decided to take money again 3 months later anyway contacted fraud and hopefully it get sorted, this is unreal, what is the worse part is the way they take money its not a debit transaction no a card transaction and the bank informed me the only way to get a refund is through world pay there self

  32. Wes

    These guys are worse than the IRS! Everyone I get on the phone says something different. I went out of business a year ago and had used Worldpay for 3 years to that point but some how was still in a contract with them for another two years. They wanted $2700 to terminate the account. I didnt have it and asked if there was anything they could do to help me out, nothing? They said I could either pay it or the would debit my account for the minimum of around $43 a month. I didnt have the $2700 so I have been forced to let them debit me $43 a month for a year now. Then this year they closed my account claiming I changed my banking account and sent me to collections. I made sure they had my contact info a while back and they never bothered contacting me by phone email or mail they just sent me to collections. They debited my account for $95 claiming that as the termination fee and sent $43 to collections. If I changed my account number and thats why all of this happened then how did they debit my account for the termination fee? Ridiculous! no one knows whats going on. The guy on the phone then tells me that I should just send the terminal back and pay the $43 collection fee and its over. I told them if they are ruining my credit for no reason I am going to angry. He says to just go with it because if they reverse any of that I will owe them over $4000 for early termination. I was like what? It was $2700 and now its over $4000? Its just what ever amount they want I guess. I did $300,000.00 a year processing with thus company when in business and this is how they treat me? I am nervous that what they are claiming to be the end of this fiasco may not be the end. Trust me its worth paying a higher percentage rate to a company with no contract and a simple one rate format with no fees. I will never do business with this company again.

    1. Worldpay US, Inc.

      Hi Wes. We would be more than happy to review your account and contract to see what assistance can be provided. Please send an email to [email protected] including your merchant ID number and contact information and we will have someone reach out to you.

  33. UnhappyCustomer

    Terrible company, bad customer service, no contact from them, and extra charges without having received anything about these extra charges in all this time.

    We have received a charge of over £1000 from Experto Credit saying we owe Worldpay that amount. Upon querying this with Worldpay we were told it was actually about £400 as the direct debit payments had been rejected each month. This was something we knew nothing about as nobody from Worldpay had contacted us about this, all the monthly invoices said the amount owed for that month only with nothing else to say that anything was unpaid, and we have never received any statement of accounts from them in 2 years. The few times I saw a refund in the bank I thought it was a customer refund and didn’t know it was anything to do with Worldpay otherwise I’d have queried it as it didn’t say Worldpay.

    Experto Credit still insist however we owe them over £1k and when we asked for the info they sent every invoice out and said work it out ourselves as they said it wasn’t their job to. I spent an afternoon having to put aside the office work to do what they should have done in going through every invoice they sent which matched every invoice from the past 2 years I’ve received from them, and I also checked them against the bank. Like the first person I spoke to at Worldpay a few weeks previously it came to no more than about £400.

    Because Experto were still pursuing the amount of over £1000 I rang Worldpay again, this time everyone I spoke to says that it is over £1k we owe and that we (unknown to ourselves) have another account with them. As I kept trying to explain, we only signed up to one account, and we have only been getting invoices for the one account. However they insist that we owe them for this supposed other account and that they will send the details out and will be pursuing us for the amount owed on the two accounts.

    I also have issues with them overcharging us non-compliance fees when we have been regularly getting emails to say we are compliant. When I asked about this, they said they changed to a different company for compliance and that we were sent a letter last year to say we had to redo the compliance. Again this is something we were never told about and never received any letter, and when I tried to explain this to the customer service rep, they insisted that a letter had been sent and when letters are sent their system automatically marks it as received! Hmm what proof do they have to say a customer received a letter, and why didn’t they contact us again when there was no response?

    Absolutely disgusted with the replies from customer service at both Worldpay and Experto Credit when complaining about these and trying to find out where the extra amount owed is coming from. They absolutely insist that what their system says is what we have to pay them, even though I have not received any other invoices from them in the past 2 years other than for the one account we signed up to, nor when Experto Credit sent us the bulk of invoices to “work out ourselves what we owe Worldpay” was there anything extra there in black and white to say we owed them anything more. And when complaining about the lack of contact from themselves they basically said it was our fault that we should have noticed ourselves and contacted them.


  34. Martin Chambers

    Without a doubt one of the worst companies I have ever had to deal with. Broke their own contract by freezing our account and not informing us.

    A supplier should never become a liability to your business and WorldPay very nearly put my business under by withholding £30,000 of our money without notice. Due to being a new account, card security measures were still being set up on our facility. In this time we were targetted by fraudulent transactions. WorldPay treated us as if we had organized them ourselves and we lost 2 days of business time proving we are a real business.

    After jumping through all their hoops, they decided to release only half of the held funds with no explanation given about why the other was still held and when they would released. They used extremely vague terms like “partially released on a fornightly basis” and “will be reviewed again late May/Early June” and still continue to hold it. No escalation procedures seem to be in place and all requests to speak to a manager are deferred. They also claim to not have a complaints department.

    Avoid them at all costs, the contract they provide is not worth the paper it is written on.

  35. Mary Beth Bryant

    It seems my sister store Stay Tuned was automatically reinstated for a three year contract. The rates are ridiculous and the cancellation fee of $600 criminal. The customer service rep made no attempt to help me. Our store is only open 7 days a week for 3 months and 4 days for the other four. We are closed 6 months.
    I am extremely disappointed with this company and their customer service. We are not novice retailers. My stores have been around for 25 years. I thought the days of CC processing rip offs were over. Apparently not.

    1. Worldpay US, Inc. Survey

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

      1. Mary Beth Bryant

        Your Customer Service Rep did contact me but was not willing to talk about alternatives. Too bad since I have been with you for many many years. When the contract renewed last year I was in a very stressful situation and did not do my due diligence, granted. I did not read the extremely fine print and honestly was not aware of the numerous charges.
        Your customer service consultant was very helpful in reiterating the terms and threatening me with her standardized lingo. To bad I couldn’t talk with a human who was a bit more willing to discuss rather then repeat written threatening word.
        Tell me here WORLD PAY Are you willing to negotiate the $11.95 monthly fee, The $4.25 monthly fee, The $59 PCI fee, The $6.00×2 ($12.00) monthly debit fee, The $99.00 annual fee. I’ll take the higher the average charges per card I am already experiencing.
        I’m willing to take some of the responsibility. Are you willing to show good customer care and negotiate or are you cut and dry and full of threats like my past experience has been.

    2. ron beebe

      Mary Beth, I actually had to go to my bank and close out my business account and open a completely new account to get free of them. once they get access to your funds, they will raid your account whenever they want for whatever they feel like. My advice is to not waste time trying to discuss or bargain with them as they will lie and stall; just cut off access to them and move on. They can try to say the will still come after you regarding the contract and that you technically can’t shut them out of your account… but they would have to open the contract to scrutiny to do that and I have never heard of the challenge being taken on their part.

  36. Amr Soliman

    I was in business last year in june and decided to sign up with world pay to accept credit card payments. I was only getting paid in cash and did not really have the need for it. My 2 friends that have referred me to world pay were supposed to receive an incentive amount of money for referrals but never did for my open account. I have been out of business for a few months and had decided to let the monthly payments of 20 dollars keep coming out of my bank rather than paying $500 to cancel the service that i have never used. My bill went up to almost 50 dollars a month for no reason. 4 months later i call world pay to resolve the issue or cancel the account. The agent on the phone with me was polite and offered me credit back to all the extra charges that i had to pay for no reason and will close the account for no additional charges since i have never used the service. The agent says “I have no supervisor on the floor so, the cancellation will be processed tomorrow and will receive a call to confirm. I hang up and wait for a call, never received. a week later i see the credit back so i figured it must have gone through. This month i get charged $60+ dollars out of nowhere. I call world pay and was told that the agent was never able to process the cancellation for the account and that i had to pay $200 to cancel my account. I get transferred to a supervisor. Very rude she says i should never have been able to receive credit back and i have to pay $200 to cancel the service. I refused to pay the amount that i was promised not to by the first agent. Supervisor says she will turn my account to collections. I said go ahead because i will make a stop for payments at my bank. This morning “next day” my account is charged $135. I intend to escalate this case as far as i can even if it has to be done in court. World pay never had my consent to charge my bank account any kind of money. My other two business owner friends that use world pay will cancel their horrible service with world pay as well.

    1. Worldpay US, Inc.

      Hi Amir. We recently saw your post and would like to address your concerns regarding your Early Termination Fee and interactions with our call center representatives and supervisor. Please provide us with your merchant ID and contact information by emailing [email protected] and we will reach out to you to discuss further.

  37. Shelby

    Same experience as William. I am so upset. I’m a small business owner. Really feel taken advantage of. The customer no service person, Katrice, on the line would not let me make any kind of payment plan or alternate method of payment, “495$ direct debit because that what you agreed to in your contract. Read your contract. It’s year to year.” Only they never sent me a contract. Everything was completed through a clearinghouse. All I have is my copy of the original application from 2011. Terrible. Really awful and expensive experience.

    1. Worldpay US, Inc,

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

  38. Faye Mohorn

    This is by far this worst company I have ever had to deal with. I had a small business In Greensboro and was forced to close 12/28/2014 due to a big box retailer taking over the entire center. This has been a real nightmare for me and wanted to share with others in hopes that others will not have to endure the cost and mental anguish that I have had to endure.
    Not only did I lose my business in 2014 but I am trying to deal with the care giving of my husband who has late stages Alzheimers.
    I did business with Heartland Processing and never had any issues. One day, Catherine Mckinney who is no longer with this horrible company walked in and said she could offer a new terminal with the new chip which would provide additional security for my customers and could save me money. At the time she approached me, I was very honest with her and told her that I had a very sick husband and I would not be able to sign a years contract. She got on the phone and talked to her manager Gavin McKinis and explained my situation. No worries, They would give me a new terminal and would also give me a $295. referral fee in the event I was forced to close my business due to my husband’s ill health. I have a record of this deposit in my personal account. Catherine Mckinney sold me on the fact that I would not be out any money in the event I did have to close my business.
    When I called in December to inform that I was being forced to close my business due to losing my lease, I was told that
    I would be subjected to an early cancellation fee of $495.00 and $300.00 for the equipment that they could not take back.
    I also understood that I could continue paying the monthly service charges for the term of the year expiring in May 2015
    and also pay $300.00 and that would close my account. I reviewed my checking account today and they are taking over $104.00 montly and I have been out of business since 12/28/2014.
    I was also informed today that now it is $795.00 early cancellation fee. I feel this is very unfair and this company is very deceptive.

    1. Worldpay US, Inc.

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

  39. Lisa cooper

    This company have been the hardest people I’ve ever had to deal with! I work for myself and have done for 8 years and previously I was happily in a contract with another bank then a sales rep from world pay came into my salon and said he could do me a better deal….. I agreed to speak about it, he was a lovely man seemed very genuine, I trusted him. He told me;
    Better rates than I was on ( true)
    1 year contract (true)
    When I sign up I will receive a free Samsung Galaxy tablet to say thanks for joining up ( biggest load of lies ever!!!!)
    Yes I signed up, all very quickly done didn’t give me chance to read it but I signed the contract anyway,also the free Samsung don’t forget! Very vaguely commented on by him and he told me to sign somewhere on his iPad that said if you have any problems with the tablet you have to contact Samsung not us!?!? Also told me not to cancel previous bank until the week before they were due to take over as they would stop straight away! They didn’t, I had to give a months notice and also pay world pay in the same month!! I let that go as my own stupidity!! Then came the monthly bills, yes I was paying about 5 pound less a month but I had another dd going out for 9pound a month?? And in one month 3 lots of9 pound went out in the same month! I rang to question it,couldn’t get through but an automated message said if you’ve had duplicate payments go out of your bank don’t worry they were working on refunding the glitch. ( I never got a refund) so then I rang another day to question this 9 pound payment. It was for my “free” tablet as this enabled me to take payments on the phone! I pointed out i was a beauty salon no over the phone payments necessary as people need to come in to have treatments and anyway it was supposed to be a freebie, no sorry you pay a monthly fee, well I want to cancel it, ok just send an email to the cancellation dept and we will cancel it from today. May2014! Near enough one year later, a load more phone calls because I now have a debt recovery agency on my back for money I do not owe to world pay 256.00!!! Wtf!! I am considering legal action against this fraudulent company! So so unhappy with them, when I asked the debt recovery agency what it was for they said they couldn’t tell me! So I said give me there contact number please he said they won’t speak to you as they’ve passed the debt onto us. So I said your no help either, banging my head against a brick wall,will definitely be seeking legal advice!

    1. Worldpay US, Inc.

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

  40. Luciana Estrazulas

    My company used to be a customer of Worldpay(USA)for the past 2 years. Last month we decided to chang to another merchant due to better rates offered by that competitor. Since then, I had no major problems with Worldpay. On March 17th/2015, I called Worldpay to and asked to cancel the service and the man who answered the phone (I forgot to ask his name) told me to send a fax of the cancellation notice to a certain fax number and he also told me that there was a cancellation fee of $99. Ok, that’s what I did, I sent a fax of the cancellation notice to them on the same day(03/17/15 at 6:15pm). Today, April 7th/2015, I saw on my bank statement a charge for $170.61 as a Worldpay Monthly Charges. I called immediately to check what have happened as I did exactly what I was told (by the Worldpay representative) regarding this cancellation matter. The lady who answered the phone was full of the attitude since the beginning saying our account was never cancelled, that they have never received any fax and also she said I should have called to cancelled the account. Her name is Veronica and she was so unhelpful that I asked to talk with her supervisor to explain that I have done what I was instructed to do but she said that there was no available supervisor and if I wanted, I could give her my phone number and she would give to the supervisor, so he should call me back in 24 to 48 hours. I asked to talk with somebody else and she said there was nobody else I could talk to beside her. I doubt she will ever bring my contact information to her supervisor and that’s why I decided to write a review as this lady, Veronica, treated me so disrespectful in a way that she could work in any position, in any field but NOT as a customer service. She has no clue what is to help a customer and Worldpay should be more careful when hiring people for that position. It was a very unpleasant conversation and I wish nobody ever need to go through this unnecessary hassle.

    1. Worldpay US, Inc.

      Hi Luciana. We recently saw your post and would like to address your concerns as well asapologize for your last experience with one of our call center agents. Please provide us with your merchant ID and contact information by emailing [email protected] and we will reach out to you to discuss further.

  41. myriam DUCROCQ

    After 5 years of business with Worldpay, it has been impossible to cancel my contract without paying $500 termination fee. I have spent a year on the phone with their agent and was told many different date as to close the account without paying ETF.
    Finally after numerous emails , i have given them 4 months notice with a certified letter. They have managed to get an extra 6th year out of me with their lies and misleadings.I have been charged $90 each month since my certified letter for I don’t know what.I have not used their service ( I am now using “Square” ) since January 2015.
    Tomorrow, I am going to block withdrawals on my bank account ( an extra fee …) from Worldpay as I feel that they will charge me indefinitely $90 every month if I don’t.
    I am open to every advice you may have. Thank you.

    1. WorldPayu US, INC

      Hi Myriam. We recently saw your post and would like to address your concerns regarding 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.

      1. Puri

        We have reported BBB about this issue and your tricky locking contract, you still haven’t made a decision to refund our money. This means you are not providing valuable service. You are here to only rip off. You will end up loosing business in huge volume.

    2. ronald beebe

      Myriam, I actually had to go to my bank and close out my business account and open a completely new account to get free of them. once they get access to your funds, they will raid your account whenever they want for whatever they feel like. My advice is to not waste time trying to discuss or bargain with them as they will lie and stall; just cut off access to them and move on. They can try to say the will still come after you regarding the contract and that you technically can’t shut them out of your account… but they would have to open the contract to scrutiny to do that and I have never heard of the challenge being taken on their part.

  42. Alex

    So I was talking to world pay a few months ago. Then sent me details on so on, then for about two months every week I was getting emails saying we can’t proccess you account without your direct debit signature and ID, Then I get the card terminal through. I’m thinking to my self oh maybe they have wavered the fees (this being the resson I didn’t sign the direct debit or send my ID in) so I so I few test runs with my card and a friends for £0.10 it works. Then I have a thought wait a minute ive not have no confirmation nor have I sent them any signed documents or my ID, so I haven’t being using it the other day the took money from my account (im i right in saying they can’t take my from my accont without me signing the direct debit?) but regardless from the 20 emails that I never replied to saying to post and sign the direct debit for us to compleat your application, please send us ID so we can complete you application, they should be taking money from me at this stage as ive not agreed yet and it was there fault that they sent me the card terminal, but regardless they are trying to tell me, I now have to pay a cancelation fee. HOLD UP YOU TAKE MONEY FROM ME WHEN IVE NOT SIGNED THE DIRECT DEBIT OR SENDING MY ID IN (I could be anyone using fake details) THEN YOU TRYING TO SAY IF I CANCEL YOUR GOING TO CHARGE A CANCELATION FEE, GET OUT OF HERE!!!!

    The email was:
    This is just a reminder that in order to fully set up your account we require you to print, sign and return the Direct Debit Mandate to the following address :

    Customer Enablement
    Victory House, 5th Avenue
    Gateshead NE11 0EL

    I never did this. The other emails to do with ID:
    We’re processing your application but unfortunately there is an outstanding query we need you to action before we can proceed with your application.

    We contacted you in relation to outstanding certified ID but unfortunately we’ve not received a response from you.

    Resolving your query
    Your business is important to us and we’d like to get this matter resolved as soon as possible. You can contact us by replying to this email, or call 08457 61 62 63. We’re open 24/7 365 days a year, so always on hand when you need us.

    Now am I wrong in believing with out this information they have asked for they can’t procced with the application therefor they can’t take anymoney?? Please correct me if I’m wrong here

    So basically they have taken money from me without my concent, how is this any diffent to someone trying to sell you something on the street your a little intrested so you wait arround listening to his pitch. you take your wallet out trying to decide if you want to or not. Then decide no but then he steals the wallet and takes your money. Now this is no different to what they have done.

    Yes I was stupid enough to give my bank details but regardless I was under the impression from the emails and the phone call no money could be taken untill they have my ID and direct debit signed.


  43. oakplanet

    If there is less than 1 star, I would definitely choose ZERO star!!!!!.
    This is literally the worst company you can ever deal with!! They stole £5500 from our orders as a customer ordered something special make and then changed his mind after bringing it and then he made chargeback (of £1000) and simply worldpay froze £7700 of our sales and said they will release £2000 only of them!!!!!!!!
    Don’t deal with those guys, real scam and we have bee spending weeks trying to get our money back and giving them all evidence they asked for but simply they ignore us and dont ever get bothered to reply to emails. We are taking them to court

    1. Martin Chambers

      Out of interest, has this progressed since your post? I am having the exact same problem with them, they were holding £30k and have since agreed to release £16k but are withholding the rest. I’m about ready to start the legal process with them so any tips would be most helpful.

  44. David Chzaszcz

    My small business (1 person coffee cafe) signed a Merchant Services Processing contract with WorldPay (division of Citizens Bank) in June of 2014. The Sales person showed and documented in the sales material that I would only be occurring fees of ($22.49) along with my small percentage on each Credit or Debit transaction. A the next month I was hit with multiple undisclosed transaction fees of over $80.00, making my monthly fixed fees over $100 per month, with my actual variable individual Merchant Processing transaction fees being about $70, (total monthly fees now at $180.00 per month average) In December of 2014, I was hit with an undisclosed $129.00 annual fee, and now in January 2015, another additional $4.95 a month. Fixed fees are now 66% of total cost, but the sales agent for WorldPay, documented them as approximately less than 20%. Additionally, WorldPay never returned a copy of the contract despite a number of requests. In February a contract was finally returned to me showing only my signature, no signatures from WorldPay, including the sales agent, and all initialed pages were not my initials, forged and not the correct initials.

    Another fact the Sales Agent did not disclose is that there is a fixed $0.22 fee for each swipe in addition to the variable percentage.

    Despite several documented conversations with WorldPay Customer Service, only $50.00 was refunded a few weeks ago, but no World Pay Senior Management resolution calls from WorldPay were ever received despite consistent promises that management would call to help resolve.

    Another point, WorldPay uses my merchant account to pay each 3rd party vendor they employ on the routine processing and each subpartner (31 in my case), so they get the $0.22 for each one each month, plus the percent of the transaction. REAL DOUBLE DIPPING HERE!!!!!!

    Last, WorldPay will not return information on how to terminate the contract early, despite the contract warning if not terminated early properly, additional fees will be levied against my small one person business.

    From doing some competitive analysis, I am finding WorldPay is overcharging my small one person cafe over $1000.00 annually, and they are not providing documentation to help me cut my losses properly.


    1. Worldpay US, Inc.

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

  45. DMatthews

    Just found out that our WorldPay software was corrupted on the day our contract ended. Isn’t that a coincidence. Now they want to raise our rates in order to get new terminal for free. Can you say “RIPOFF”?

    1. Worldpay US, Inc. Survey

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

      1. Joe D

        WorldPay reached out to me after posting this.

        While they of course acknowledged that it was still their position that I couldn’t exit the contract and must pay ETF’s, they offered to help me close the account without any fees. I did my best to ascertain there would not be any future or follow-up fees down the line. I was concerned because I’ve read in other reviews that even after closing an account, that fees could be charged months or even a year later.

        The representative confirmed there would be no more charges, and offered to report back to me one month later to confirm a new statement did not even generate. I took their offer, and just received that confirmation email this week from the original representative that reached out to me. It does appear my account is closed and this matter is resolved. I did close the associated bank account just as a precaution, and even informed WorldPay of this, so they can’t claim I didn’t inform them.

        I do suggest anyone having problems with WorldPay to go through the normal channels first (your local account representative, then phone calls, then letters). If those fail, as in my case, apparently posting a review here can force their hand to listen. Apparently the customer impact team who follows these reviews have more power than the supervisors I struggled with for weeks over the phone and in letters. While it is frustrating that it had to come to this in my case, I’m at least glad they worked with me at this point before I decided to take it to another level.

  46. Joe D

    The following is based on my poor personal experience with WorldPay. Some of it is compounded with various reports on Better Business Bureau and online review sites. It totals about 6000 words, but I felt the need to share this story, so I am posting the full version here. I will frequently reference other parts of the post, so you may need to use the search function on your computer if you want to follow them.

    I believe the crux of the issue is that their standard process is to sign people up with promises of low fees. The contract the customer signs, indeed, starts as a pretty good merchant plan. WorldPay then proceeds to add fees which you cannot argue or contest, and leave you stuck in a contract with an early termination if you wish to walk-away. The common thread is that ALL customers start WITHOUT these fees (based on other complaints and my own). Only AFTER they have signed the contract with you are new fees added on. Every merchant seems to hear the same tune, around December of their first contract year, they learn about an annual fee. And several times a year they have their base rates and admin fees hike up. In the case of the fairly ambiguous annual fee which all customers eventually seem to succumb to, why isn’t this put on the original contract? Answer: to sign you up with a teaser agreement, only to find out you just signed a contract that allows them to amend it essentially without notice, and without the ability for you to refuse the changes (or at least exit with termination fees). I don’t think this is reasonable, and is in violation of consumer protection clauses and prior statute in states across the country. As one of their representative specifically (and reluctantly) admitted to me when questioned, this company could charge you a million dollars if it wanted, and there would be nothing you could do about it if you followed the contract to the letter. Of course she quickly stated “we would never do that though.”

    I. The WorldPay Contract

    The contract is very one sided. You can easily be given added charges and fees, which are NOT in your signed contract, and you are NOT given the chance to dispute or reject them if they are justified as originating from a third party. On close examination, it theoretically could allow WorldPay to charge any amount it wants as long as it relates it back to the “payment network.” This is an unconscionable slippery slope that puts consumers at massive risk, and I’m certain one would not consider this clause by any means “reasonable.” A consumer may wake one day and get notice of a 25%, 50%, or even 100% rate hike, with no recourse! WorldPay also believes it can charge you retroactively for up to a full year, even if you did not have service for that entire time period. Certainly there must be some form of consumer protection against these predatory practices? See more details below:

    [CHANGE OF TERMS] – from section 11.9 of contract

    1. They can change the terms of the contract and give 15 days’ notice. If you decline the changes, you can opt out, BUT ONLY of the specific change in question, not the whole contract. You must give them official notice (see NOTICE) within 15 days.
    2. A note about 15 days’ notice: They (inappropriately) seem to believe that if they give you notice for a charge, as long as that charge does not actually hit your account until after that time frame, they fulfill providing “notice.” This interpretation (which is not how the contract is written) allows them to charge you with 15 days’ notice for services that occurred at least up to ONE YEAR in the past, as evidenced in my conversation with a WorldPay supervisor on 2/16/2015.
    3. HOWEVER (this one is most important), if the change to the contract is as a result of changes made by the payment networks (ie Visa/Amex/etc) or government/third parties, then notice goes out the window. It becomes effective the earlier of either the date they state in their “notice” (which can be in the past), or the date the change takes place.
    4. Also, in the above type of third party change, you cannot opt out! You are stuck with terms you likely would never have agreed to, and if you decide to leave, there will be an early termination fee (see EARLY TERMINATION). They can essentially pin ANY of their added charges and amendments (which as evidenced in my case, they certainly will) to stemming from the payment networks (it is easy to justify this), and render you unable to do anything. They can literally state “we are charging you 1 million dollars as a result of changes in the payment network,” and leave you to foot the bill. I’ve confirmed this with a WorldPay associate (see 3/3/2015). The more likely case is, however, that they slowly add more fees on year after year after starting with a more “favorable” contract to lure you in.
    5. WorldPay will go as far as to use the above method to charge you for services that span time periods that pre-date when you signed your contract (see 1/8/2015 and 2/16/2015). Oddly, they agree that this money should be refunded, but only if you call to complain about it.


    With WorldPay, there unfortunately will generally always be an early termination fee (ETF) once you are finished with their services. This seems to make up a huge portion of their complaints online. While they seem to have reduced that fee for accounts created around 2012 or so, the fee still ranges from $95 to $295. However, whether you have been with the company for 10 months or 10 years, unless you fall within a specific window, you will be a subject to a fee. Why? Because each contract is for 3 years, and it auto-renews indefinitely. You cannot avoid this. The only time within the 3 year period you can cancel without an ETF is PRIOR to 90 days within the end of the three year period. This notice also has to be very clear, and in a certified letter to WorldPay (see NOTICE). What does this mean?

    1. If you didn’t want to pay an ETF, you would only ever be able to cancel in 3 year increments (ie 3, 6, 9, or 12 years).
    2. You would also need to know 90 days prior to that 3 year period ending that you wanted to cancel.
    3. You would also hopefully have carefully read the contract and understood the above points (ie auto-renewal, 90 day period to give notice of cancellation, and that it must be done in writing). Unless you are very savvy, it is easily possible to misunderstand this in the contract.
    4. Let us assume then that the average business may, on average, encounter an event that would leave them wanting to cancel their merchant account within the next 60 days. If such an event was chosen at random, this means the business will always have a roughly 5.6% chance of being able to cancel without an ETF. This would fall within the 32nd or 33rd month (60 days) of the 36 month contract.
    5. Because of this early termination fee, compounded with the fact that WorldPay can change your contract at any time (and they do frequently, as evidenced in my case and a multitude of online reviews), you cannot simply walk away. If WorldPay raises your rates (ie amends your contract – see CHANGE OF TERMS), you can call or write them letters all you want, but they will not let you walk away without paying the fee. Even if you were by chance lucky to notice the rate hike just prior to 90 days within the end of your contract term, you would still have to write them a letter put up with their service (ie monthly fees) for a few months.

    [NOTICE] – from section 11.6 of contract
    Despite them having ultimate “flexibility” in giving you notice, your obligation to give them is much more stringent:

    From them to you–
    1. Notice can be written, but also email, monthly generated reports, or likely anything they want based on the language in the contract.
    2. They can bend rule #1, and then decide to refuse to give you official follow-up notice in response to formal notice you’ve served them until you specifically request it (see 3/3/2015).
    3. They do NOT have to give you prior notice to changes in the contract that relate to changes in payment networks or third parties (similar to CHANGE OF TERMS). While they do need to notify you of the change at some point, it can be a retroactive notice (ie “billed in the rear” as a supervisor told me). In the case of the annual fee that they added, notice was given at the end of the year it was being billed for (see 2/16/2015).

    From you to them–
    1. Notice needs to be certified mail in writing.
    2. It isn’t clear in the contract, but it appears any letters must be sent to both WorldPay and RBS Citizens.
    3. If you want to cancel your contract without early termination, it must be within a 90 day window of your 1,095 day term, which recurs indefinitely.

    II. Customer service

    In my story outlined here, you can see how difficult it is to work with WorldPay.
    1. They take a while to correct errors on your account.
    2. Up to 2.5 hour hold time, and may be put on hold as many as 3 times in one call.
    3. You will be made false promises for a call-back as many as 3 times in an attempt to reach a supervisor over a full week period.
    4. Reps may lie to you, and in other cases are at best unfamiliar with the service and the contract.

    III. Other Complaints

    Looking at the Better Business Bureau, I see numerous complaints, albeit many settled, that fall in the same vein as those I outline here. The reviews listed on multiple websites seem to also echo this sentiment. Many complain about sudden rate hikes, added fees, poor customer service, and issues related to termination and the contract. One Better Business Bureau complaint (in which WorldPay settled) described the WorldPay agreement as an “adhesion contract,” which I believe to be true.

    IV. My Story

    In April 2014, I was using Merchant Warehouse for my merchant processing. Feeling upset about their annual compliance fee and tier system that never worked in my favor, I was beginning to consider jumping ship with them. Being a Citizens Bank customer, it was recommended that I switch to WorldPay after I voiced my complaints over my last processor (WordPay and Citizens bank share a close relationship). I was referred to a local senior account representative, who explained the benefits of WorldPay. She stated their fees are transparent, their tier structure does not penalize you, and best of all, there was no annual fee. She stated my current volume did not fall into her range (another representative would normally handle small accounts), but stated I planned on growing, that this was okay. I signed up and was happy.

    In the first month I noticed I was being charged more than I should be based on my contract. After calling my account representative, she stated she would promptly fix this and refund the money. This occurred again in my 2nd month, and I called again. My account representative stated she thought it was fixed, and would issue a refund for the two months. She did, and I was relatively happy with the service for a while. I would check the bills online, and as I only had one to three charges a month, it was relatively easy to see that the charges were fairly reasonable and made sense.

    In September, they started charging me a $2.00 “Fixed Acq Network Fee 1-3 sites” fee each month. This occurred in even in a month that had no charges (November). It was later explained that this was added to take American Express cards, and that it is charged even if I have no sales. Okay, I’m not complaining. The bill also stated a rate hike on debit cards due to a change in the payment networks. Again, I’m not complaining, as few of my transactions even involve debit cards.

    In January 2014, I noticed a huge charge in my business account that put me into overdraft territory, costing me fees. I immediately checked my account and saw it was from WorldPay for my December bill. A 129.99 annual fee. I poured through my contract, and didn’t see anything about the fee. I called my account manager for answers. She told me that there was a notice given on my November bill. I then asked about terminating the contract, but she relayed I would suffer early termination fees.

    Note about billing: Now with WorldPay, if you choose online billing, you don’t get what most companies give in terms of an online billing statement (ie a PDF file to read). You can “run reports” for a given month, and it displays in plain text on the screen your charges for the month. It looks worse than online banking from 2002 (when I started using online banking). There is no formatting to this text, so you cannot make important messages bold, different colors or even sizes. There also isn’t an account “inbox” where you can receive important messages. I did see a brief message on my November report (which isn’t available until December 3rd) stating that on my December statement I would be charged the annual fee:

    “Each year, Worldpay is required to conduct development and updates to its systems in
    order to maintain compliance with applicable Regulatory and Payment Network
    requirements. These changes are necessary in order to insure that we remain compliant
    and continue to provide you the same level of service you have come to expect. As a
    result we have had to implement an Annual Compliance Services Fee. You will notice
    this fee of $129.99 on your December statement.”

    I was a bit upset about this for a variety of reasons. First, the message telling me about the fee which was eventually charged on my December bill wasn’t available until December 3rd. Further, I didn’t feel a truly good faith effort was made to properly give me notice of the fee, as well as a proper description of the fee. I wasn’t sure if this annual fee was for the upcoming year or the previous year, and whether it was calendar year or from the date of billing. None of this was in the cryptic language presented in my online report for November. There was also no effort to mail a physical letter about this important change, let alone an email or other account based message inbox. Finally, I only joined WorldPay to avoid an annual fee, coming off the heels of my fee from Merchant Warehouse. My representative originally expressed that with WorldPay – “there are no hidden or annual fees,” which was why “we stand out.”

    Regardless, my account representative said she was sorry, and told me to route my complaint to the company’s main service line in Atlanta Georgia. I promptly called the company, and was given an approximately 30 minute hold time. I was also offered an option for a call back in 30 minutes instead. I opted for the call back. To my surprise, I got the call back in just a few minutes, and missed it while on another call. So I decided to call again and get back in line and began to hold, with an estimated 30 minute wait time again, skipping the call-back option this time. Oddly, while on hold, Worldpay called me again in reference to the original call back, and asked me to press 1 to accept. I took that call and was put on hold. Now I had Worldpay on TWO lines on my phone, both on hold. During this hold time, I set up my Bluetooth headseat, and went over to my bank to begin to rectify the damage of overdraft fees – while keeping both lines on hold in the background, bouncing back and forth between the two in case one picked up. I apologized while interacting at my bank for occasionally having to attend to my phone. 2.5 hours later, after returning home and trying to multi-task around the house while waiting, I gave up and hung up on WorldPay.

    I decided this time to call back and ask for tech-support, as I know that is a different call line. I asked for help from the gentleman, stating my previous hold time. He put me on hold and in a few minutes I was able to speak to an actual service representative.

    I spoke with this representative for about an hour. She initially offered to decrease my annual fee. She stated that since I wasn’t a customer for all of 2014, she could reduce my fee to a pro-rated amount. Now while I certainly consider this fairer, why do I even have to ask? If the annual fee is based on the prior year, and I wasn’t a customer the whole year, why do I have to call to get the additional funds back in the first place? I’m sure many customers don’t even call and just pay the fee and move on. This is unfortunate.

    Anyway, I discussed with the representative that I felt there were numerous issues with this fee. I stated that per the contract, I was not given proper notice, as I was informed in December and charged the fee for December. Also, the vague description of the fee did not adequately describe what term I was being billed for. Add to that several “matter of fact” errors on the contract of which were not entered by me (ie my SIC code), it could be argued that the contract was rendered void. She put me on hold to research the situation further, and returned stating she could refund half the fee, since I made many “good points.” I said I didn’t want to settle, and she said there was nothing more she could do. I asked to speak to a supervisor once it was clear I wouldn’t make headway. She put me on hold, was unable to find one, and said I would get a call by latest next Tuesday (1/13/15) of next week.

    I waited until Tuesday for my call with no avail. By Thursday (1/15/15), I called back at 11;45am, and stated I was waiting for a supervisor to call me. The representative put me on hold for 10 minutes, and said no supervisor was available but that they would call me back later that day. I asked for a specific time, and he said within the next hour or two.

    By 5pm, I called again to check on the call status. The woman stated she would see if a supervisor was available, was about to put me on hold. Prior to that, she asked to clarify the situation. I tried to run through what I had spoken about with the original representative on Thursday of the prior week. She asked “would you keep the service if the annual compliance fee went away?” I found that to be an interesting proposition, but didn’t want to accept. Mostly, because I knew the company would be able to do this again in the future (attempt to levy fees and raise rates), and also because of their repeated poor customer service with regards to breaking promise to call me back. So I continued on trying to get a hold of a supervisor.

    She put me on a brief hold, and came back with good news! I would get a call that evening from a supervisor: “they said you will definitely be getting a call back tonight, his name is S*****r.” I asked to confirm what time I would get the call, and she said it would be this evening.

    No call back from WorldPay that evening.

    The next day I called them again. I started as usual, saying I was supposed to be getting a call back from a supervisor to see if they could help me resolve my complaint, and that I never got the calls I was expecting over the last few days. The representative on the line this time was borderline rude. She attempted to explain why I’m wrong, how I’m not entitled to a refund, and that I had no standing to argue my contract. After dancing around with her for a while, I simply asked for a supervisor.

    She put me on hold for the first time in this call.

    She came back in 10 minutes and said one wasn’t available, but they would call me back. I stopped her and said this is unacceptable, there must be SOMEONE in management/supervision that can speak to me after continually breaking promises to call me back. Again, the representative danced with me and attempted to tell me I haven’t waited long enough, stating it normally takes 48 hours to return a call (despite the fact that I had already waited a week and was told multiple times I would be called back in a time-frame that later went expired).

    She put me on hold again, off to find a supervisor.

    She came back and said she was sorry, she couldn’t get a hold of a supervisor. She tried to repeat that I hadn’t waited long enough (24-48 hours), but I had to cut her off and tell her that was a lie and I’d explained multiple times I had waited a full week. I told her how unacceptable it was that I couldn’t at least speak to a supervisor to at least make my case, and she agreed.

    After a few minutes of almost pleading to talk to someone, she put me on hold for the third time.

    After being on the line for 38 minutes, I was finally able to speak to “S*****r,” whom was the individual I was originally promised would give me a call back the day before. He started by explaining they were having an unusual increase in call volume related to this annual fee (obviously! They could have prepared for this). In any case, it was my contention to S*****r that proper notice was not given in this scenario, as the notice for this annual fee was received several days into the month (12/3/15) of which it was being charged against (it was charged on the bill dated for service from 12/1/14 – 12/31/14). Because the fee description I was given was limited to just a few sentences, I was not able to determine what actual year the annual fee applied to, although common sense suggested it would be pro-active for the upcoming year. S*****r noted that this assumption was false, and that the fee was retroactive (“billed in the rear”), billed for the previous year of 2014 (of which I was not a customer the entire time). Of course I’m not sure how that could be the case, because then the notice would have been essentially a full year after the annual fee had begun its one year of coverage.

    Again, if what S*****r explained were true, that would mean that a notice was given to me about an annual fee nearly a full year after it was assessed, with a start date roughly four months prior to when I even signed a contract with WorldPay (4/17/14). To me, this certainly set off red flags and appeared as a breach of contract on WorldPay’s part. It would also be deceptive in that it would potentially automatically charge other customers for a full year as well, despite not having had service the full year (as in my case). I’m sure many WorldPay clients who did not speak out against this fee may have fallen into this scenario, and were charged unfairly for a full year in which their service did not span.

    If, however, they were proactive enough to complain like me, they would have been offered a pro-rated refund for the time they were not with the company, which is what I was originally offered by the first WorldPay representative on 1/8/2015. However, for those who did not speak up, they have been unfortunately charged an annual fee that potentially covered dates they did not have service. Because the description given to them about the fee was so minimal, your average client may suspect it was for the upcoming year as I did, and therefore never question it. This is, at best, a mistake by WorldPay that potentially extracts extra, undue funds from less observant clients, which is regretfully only corrected once they complain. At worst, this is an intentional attempt to extract additional funds from a subset of WorldPay customers. It is also unethical, unreasonable, and a breach of contract to add fees going back nearly a full year, and worse in cases that the fee’s annual coverage span pre-dated any contract with the company (which occurred in my case, as per S*****r’s description of that fees “rear” annual coverage).

    Regardless, while I contended these issues resulted in a breach of contract, if not a fully voided contract, I did reach a settlement with S*****r to remove and refund the annual fee on 1/16/2015. This was the same settlement offered to me the previous day by another associate (non-supervisor), which I had declined as I wanted to make my case to a supervisor first. I wanted to express how poor the customer service was, and also made a variety of requests that I felt would further rectify the situation based on my poor experience with the company. Despite this, S*****r would not budge beyond what I was offered from the associate I spoke to the day prior. He stated that allowing me to close my account without early termination (which was my ideal remedy here) would “not make good business sense.” He did offer an apology and promised to improve the way customer service is handled, which I hope and pray has since been improved.

    At this point I almost regret making that settlement. Since starting with WorldPay, I have been charged improper fees during my first several months (this was fixed months later), have had added an annual fee after I had been promised orally there wouldn’t be one (I also still contend proper notice wasn’t given here, as described), have had horrible customer services experiences (I could go into more detail, but suffice this post should cover the basics), and now will be given increased rates to top it all off. It would be unreasonable for me to remain with the company after these events. In fact, if I did, it would border negligence on my part, as I have now experienced and am aware of multiple problems with the company. I have come to expect poor service and frequent contract changes (in the form of rate hikes) of which I have no control over.

    [2/4/2015 – UPDATE:]
    Shortly after this initial experience, I found a surprise from WorldPay. Guess what it was? A rate increase!

    After my previous experience, I was keeping a close eye on my bill. I had also ceased to use the service starting in December in protest, and had switched to PayPal Here (where I should have been all along, my mistake). At the top of my January 2015 bill (which was available 2/4/2015), I saw the following:

    “Each year the payment networks announce changes to interchange and pricing. Whenever
    possible, we absorb costs to minimize the impact on our customers. However, with
    rising costs, it’s necessary that we adjust some of the fees charged for processing
    services. Effective March 1, 2015, your processing rates increased by 0.21% + $.05
    and your monthly administrative fee will increase by $4.95.

    Effective March 1, 2015 we will begin to pass the 0.30% fee assessed by American
    Express on all key entered transactions to you on your merchant processing statement.”

    I quickly decided to call WorldPay and ask about the nature and details of this fee. I wanted to assess if this fee indeed can be traced back to the payment network, as if not, I could write a letter and exit my contract without termination fees (see CHANGE OF TERMS).

    I called on 2/5/2015. The associate was unable to effectively explain to me where this fee came from (ie the payment networks or not), other than the fact that it is being applied to all accounts. I decided to write a letter of cancellation due to the change in the terms of my contract (as per section 11.9 in the contract).

    I followed the necessary steps outlined in my contract to give notice: any notice (which is what I was effectively giving to WorldPay) must be given in writing. The language is not clear as to whether I need to address the letter to both WorldPay and RBS Citizens, so I mailed it to both via certified mail. My letter included many of the points in this post, and I was careful to say I DO NOT endorse closing my account if it includes any fees (ie early termination fees). I mailed the letter on 2/6/2015, and it was received on 2/9/2015.

    On 3/2/2015, WorldPay finally called me back. I missed the call, and promptly called back the general line I was instructed to call. The woman I reached saw that I had an escalated issue and wanted that specific person to call me back. She checked if that person was available, but she was currently in “training.” She took my phone number, and said she would try to have this other woman call me back.

    On 3/3/2015, I received the call back. I confirmed that she was not a supervisor, but simply the associate whom reviewed my case. She apologized for missing my call yesterday, as she was in training. She stated to me that despite my letter, she could not close my account unless I pay the termination fee. No explanation as to why my letter and my notice were insufficient. No legal language, no lawyer notes, no written notice.

    I told her that this is a common complaint about the company (Better Business Bureau, online review sites), as customers are promised low rates and then given add-on fees. She came back and said “well we’ve had the annual fee in place for a while.” She repeated “we’ve had the annual fee in place for a few years now.” This was striking to me. Through my many conversations with WorldPay, I’ve heard different stories on this annual fee. Some state it is brand new, others that is been around for a long time. From the looks of it, the fee has been in place for a while (as she just confirmed). Many reviews by business owners state using WorldPay, going years back, say they were signed up without an annual fee, and it was added on later. I suspect WorldPay by default doesn’t tell you about the annual fee, then ADDS it once you are under contract. This is deceptive. As this associate was in training, perhaps she had slipped with this information.

    After she said this I laughed and said it couldn’t have been in place for a years, because I was initially promised there wouldn’t be one upon signing up, there wasn’t one in my contract, and it was only later added to my December 2014 bill with a notice saying it was a new fee. She backtracked a bit, and stated that it is within the terms and conditions of the contract for WorldPay to make changes if brought on upon by the payment networks. I essentially caught her lying here, and had to laugh and call her out. You could plead ignorance and say you don’t know how long the policy has been around, be she outright said it has existed for years, and then later changed her mind and said it was a recent change due to the payment network. Does this mean that every customer starts without an annual fee, and then finds out at the end of the year that the payment network is making this same change, thus adding the fee on? Perhaps that is precisely what they have been doing for years. Weird how customers only learn about this fee that has been “in place for years now” after they are under contract.

    I also complained and stated that, as per my contract, this decision needs to at least be given to me with proper notice (ie written letter or email, see NOTICE). I figured if I have to follow the letter of the contract, they must as well. She said no, that she could only provide me with a case number. I insisted, stating it was required per the contract. She repeated my request back to me as if I were crazy (ie you actually want me to write you a letter about this?), and I laughed and said yes – it is required that you give me notice about decisions on the account. She agreed to either have their law department write me a letter, or personally write one and have them look it over.

    I also began to complain about the fact that WorldPay was able to alter the contract with nearly infinite power (see CHANGE OF TERMS). I asked if they hypothetically could charge me a million dollars, and point it back to the payment network (leaving no recourse for the customer). She responded yes. She promptly followed up with saying they would never do that (which means nothing). I asked her if she believed that was fair or moral, and at first she obviously refused to respond. I then explained how this could be used to justify small but continual rate increases over time, of which the customer has no recourse, which would be seen as annoying and immoral by the customer. She agreed with me, stating “I could see where it could be.”

    She also stated that she saw I had already spoke with S*****r (a supervisor) about the issue, as she herself was not one. I clarified that I did speak to him, but not about this new issue (the 2015 rate hike), but rather the annual fee from 2014. She then said that she saw we talked about waiving the early termination fee at that time. Again, I explained that when we had that conversation, the situation was different. Now we were visiting termination again because of the new fee imposed in 2015 and in response to my letter. At this point, I started to say “could I speak to a supervisor,” but before I finished she started to tell me one wasn’t available. I laughed, knowing it wasn’t worth the effort to try to speak with one again based on my previous experience.

    I tried to close by asking her if, with all that we touched on in the conversation, if she would personally want to have a contract with the company (ie poor service, can raise rates at any time). She said “I’m really not gonna get my personal feeling involved with this.” I told her that the fact that she wouldn’t say “yes” to her own company, even in silence, speaks volumes. She quick responded “I definitely didn’t answer the question.” She essentially had to “plead the 5th” when confronted with the idea of using her own company’s services.

    Again, the company refuses to budge.

    1. Worldpay US, Inc.

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

    2. Puri Water


      I agree with your story. The contract is one sided. And In my case, we had sent a mail to not to continue on the contract. They didn’t even bother to respond back through emails. They never respond using emails, we had to call them over the phone. And the phone conversation is hard to prove anything. If someone can help collectively take action it will be good. Otherwise it really doesn’t even make sense to fight.

  47. Puri Water

    WorldPay is a crook company. The auto renewal clause is a trap. No matter when you call and tell them not to renew your contract, they will continue to charge you ETF fees. It’s better not to consider WorldPay at all. There are plenty of other options to go through.

    1. Worldpay US, Inc.

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

  48. vanessa

    20th Feb 2015
    I received a letter advising that my merchant will be terminated and have been given a termination date of the 20/04/2015.
    When I first applied for the machine I did advise your agent of the nature of the business and provided him with all the information required at the time of application.
    For you to terminate my terminal because of the nature of the business is not acceptable as you have not fulfilled your obligation as a company. I provided everything that was required and yet you terminate my contract and withhold my money.
    I have called the customers who have confirmed payment to have been taken from their accounts and they have no objection to the payments.
    For a new business that has just started I think it’s really unfair of you to continue to charge me yet I can’t use the machines.
    NOW to top things off, I am getting billed from ‘WorldPay’ So I’m good enough to be billed for not being able to use my merchant but not good enough to be paid MY MONEY!?
    Can my funds be released ASAP as this is a start-up business and we use the funds to enable us restock and carry on with the business.
    If I am not able to use my machine till the termination date I would also like you to cease any fee to the account and get my funds released to my account.

    My business has now been put on hold by WORLDPAY… what an awful company.



  49. Jason

    Stay away from this company.

    I’m sending this email to complain about your service.

    There are three companies involved Streamline, Cardsave and Worldpay.

    I have been a customer for a few years with Streamline. July last year I noticed money coming out of my business account from Streamline. I knew this wasn’t right as the account hadn’t been used prior as we had addition to the family. I contacted Streamline and was told the company is now Worldpay. I was told these charges were a monthly subscription charge. I was never informed of this and I asked if I could cancel my membership / contract as of immediate effect. Worldpay said I could but it would cost me £180 for an early cancellation fee. I explained I never signed anything, how on earth could you justified this fee. Worldpay said there is another option we could reduce your monthly fee and you could cancel at the end of the contract. I said do I have another choice, Worldpay said no!. Now when I agreed to use Streamline I was under the impression there would be a small fee around 25 pence and a percentage of 3% per transaction. I never would have signed up for a monthly fee of around £25 per month. I just wanted out and agreed to the reduced monthly figure and said I would call again in December.

    Around December the 10th I called Worldpay and spoke with a lady whom kindly cancelled my agreement and confirmed there would be no further fees / charges and thanked me for my business.

    I have recently been charged for annual management fee and non compliance charge and enrolled on annual subscription fee. I contacted Worldpay in January to ask why have I been charged for a service I cancelled back in December. Worldpay said we are only going by instructions from Cardsave. I then contacted Cardsave who said they haven’t requested any money from me and that I wasn’t on their system. They assured me that I have been removed from the system and worldpay would need to do the same.

    I then contacted Worldpay for another time to find out why I’m being charged for a service that I’m not using. I was told I would be refunded the last amount charged for the account. This has been put back into my account and the direct debit cancelled.

    I have now received another letter asking for more money and an email from RSC_Debt Management Collections & Recoveries both stating different amounts.

    I have been stressed over this matter and spent too much time complaining over the phone, I would like someone to please put an end to this nightmare and return all of my money.

    I would like to know what you intend to do about this complaint.

  50. Mary

    This is per my FB post:Well….tomorrow my small business bank account will have $1500 LESS in it during a week that I have to run payroll for my employees. I have been a client with Worldpay US since 2011. I signed a three year contract for two credit card terminals in 2011. Since my bank offered our business better credit card rates, we opted to use them in 2014. Additionally, since we stopped using the Worldpay Us machines, I determined that they were charging me $500 per month simply to have them in at my locations. When I called to cancel my contract (which was past the three year agreement), Worldpay Us informed me that I would have to pay another month’s fees of $500, PLUS a $495 early termination fee per machine because the contract automatically renews each year, and unless I terminate the contract RIGHT on the anniversary date, I must pay the early termination fee. PER TERMINAL. Thank you Worldpay Us for your consideration of this small business that is supposed to help other people and generate income for its employees. Looks like THIS employee will not be able to draw a paycheck this week. I feel completely VIOLATED. If you own a small business, please DO NOT GO NEAR Worldpay Us as you consider using credit card terminals. Despicable.

  51. J.P.TYRES

    My contract is coming to end,so I phoned worldpay to get prices,and they agreed to do the same prices as last year,which was ok.Then I asked if they could comfirm the prices in a email,3 week later I still had no email,phoned again,2 weeks later no email,phoned again,taking in mind you are on the phone waiting for about 45 mins to an hour,and spoke someone told them I been waiting for a email confirmation for 2 months,then they tell me that 30 prior you have to notifiy before your contract runs out or they will automaticley renew it, and then they tell me that the prices have changed
    (Not to be trusted.)

    1. Worldpay US, Inc.

      Hi J.P. 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.

  52. kevin

    I am having problems with the terminal and cannot accept payments. So far I have been on hold for more than 3 HOURS. My business is essentially shut down without credit cards and this is the customer service I get.
    DO NOT sign up with these guys.

    1. Worldpay US, Inc.

      Hi Kevin. We apologize for the inconvenience. An issue effecting one of VeriFone’s servers has caused many VeriFone MX510, MX570, and MX610 terminals the inability to accept payments at this time. All available Worldpay Help Desk and National Customer Account Service staff are assisting customers, so we appreciate your patience at this time. We are working with the VeriFone IT team to quickly resolve the issue and will provide you updates as they occur.

  53. Ben

    I have to agree with all the comments left on this forum. I have been left having to pay for a “set up” that was never actually completed. I was then sent a debt collection letter even after being told i would not need to pay. Once i had paid i was sent another email saying that I in fact did not need to pay after all the mixed messaged and threats I was told i was entitled to a refund. That was before Christmas and i am still waiting with no reason as to why the money is still not in my account. its very concerning that a company whose sole purpose is to process transactions cannot deal with a simple refund.

    customer serves only seem to perform a delaying action and offer no real assistance.


  54. Mark Dewland

    Steer clear of this company. They are not to be trusted with access to your bank account. I woke up this morning and learned that my bank account was overdrawn thanks to World Pay and the new fees they are now charging without my consent. I agreed to $15 a month service feeplus a % of the amount charged. (which I never know how much it is because I never get a bill) I woke up to find they withdrew almost $200 of service fees for one month. Surprise, they want another $300 to cancel the service, which I don’t have because they already emptied my account.

    1. Worldpay US, Inc.

      Hi Mark, 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.

  55. Marvin Miller

    Do NOT sign up with this company. I specifically ask the rep before signing my contract is there any yearly fees. He said no. Only my monthly fee. I just was charged $129.99 for a annual security upgrade fee. No where on my contract does it have this. Stay away go through your own bank.

    1. Worldpay US, Inc.

      Hi Marvin, 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.

  56. Alex

    I was being charged a fee of $45 for the PCI fee without knowing!!!! Also, just got charged a “yearly fee” of $120 out of nowhere without notice as well. Seems like these guys are shady, i am cancelling it and going with a different credit card processor.

    1. Worldpay US, Inc.

      Hi Alex, 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.

  57. Evelyn Bruno

    AVOID DOING BUSINESS WITH THIS COMPANY!!!!!!!Save yourself and business from embarassment and loss of customers and sales!
    This company terminated my account without even telling me they were doing so, they made me loose a great customer and a $12,000 sale! Worse yet out of the $12,000.00 sale my customer was reimbursed only $3000.00 the remainer ($9,000.00) is still in limbo, neither my customer nor my business account has received the money and no one from the company helps resolved the issue, instead they just terminated service! WORSE CREDIT CARD PROCESSING COMPANY I HAVE EVER DEALT WITH!
    Ripoff, non professional, horrible customer service and Risk Department representative, irresponsible non caring for your business creidt card processor!!!!

    1. Worldpay US, Inc.

      Hi Evelyn, 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.

  58. 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.


    1. Worldpay US, Inc.

      Hi Terence, 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.

  59. 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.

    1. Worldpay US, Inc.

      Hi Mark, 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.

  60. 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!

    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.

  61. 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?

    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.

      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

        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.

          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…

  62. 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.

    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.

    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.

    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.

  63. 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.

    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.

      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.

        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.

    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.

  64. 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.

    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.

  65. 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

    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.

    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.

  66. 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.

  67. 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

    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.

  68. 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.

    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.

  69. 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.

    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.

  70. 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?

    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.

  71. 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!

    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.

      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.

  72. 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.

    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.

  73. 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!!!!!!!!!!!!!!!!!!!

    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!

    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.

      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.

        1. Ron R

          Follow up: Well, it’s been about a year since I posted this comment. Their (Mine, as I was forced to purchase it) terminal is still laying in a box here as worthless to me as a set of bagpipes. It would be like cancelling your Visa account and they make you purchase the card to close the account.

          No one from Worldpay, Charter One or RBS Citizens has ever contacted me nor has any credit ever been offered or evidenced to or in my bank account. Once you give these people full access to your account, they sink their claws in deep and fleece every penny they can from you. As close as I can figure it, these crooks with their misrepresented to me, ridiculous contract in hand that I ignorantly signed (I thought Charter One would never steer me wrong – how naive I was), stole about $2000.00 from me and if there is any justice, will recover it someday. I keep watching the mail everyday hoping to see a letter from an attorney announcing the class action suit, so far, nothing. It’s amazing to me how any organization pseudo-bank or otherwise can conduct themselves in this manner with our all-seeing US government and the plethora of official branches overseeing businesses supposedly providing consumer protection and keeping them ethical. Puzzling.

    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.

  74. 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.

  75. 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 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 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 and they would know what to do. I called 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!?

    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.

      1. Mike

        I do have someone working on it finally. I do appreciate it.
        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?!

        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.

          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.

          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.

          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.

          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.

  76. 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.

    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.

  77. 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.

    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.

  78. 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.

    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.

    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

  79. 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!

    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.

  80. 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……………….

    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.

    2. ronald beebe

      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.

  81. 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.

    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.

  82. 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.

    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.

  83. 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.

    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.

  84. 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.

    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.

    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…

  85. 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.

    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.

  86. 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.

    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.

  87. 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!!!

  88. 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.

    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.

  89. 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.



    1. WorldPay 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.

  90. 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!

  91. 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

  92. 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.

  93. 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!

  94. 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!!

  95. 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.

  96. 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?

  97. 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

  98. Alexis Ferguson

    My three year contract with Worldpay is finally ending and I am able to cancel with out the $495 fee on September 14, 2013 via fax. Imagine my surprise when $295 is randomly taken out of my account on August 2, 2013. I have been sent adjustment advice from Worldpay saying I have been charged an early termination fee! Why in the world would I have to pay that fee when I only should have to pay one more month of their exorbitant monthly fees? I didn’t send that fax to cancel in writing and certainly wasn’t planning on it until 9/14! I would also like to be refunded for all the overdraft charges this unexpected “termination” fee has resulted in. I do not keep much extra money in this account as I have switched to a new one when this business closed. I was planning on closing the account after I ended my oppressive worldpay contract.

    Also, the PCI charge is out of control. Even if you take the survey and become “PCI compliant”, you will need to call every month to have the $19.99 PCI charge reversed.

    I warn anyone who reads this not to get involved with this unethical, predatory company. I wish I had never signed the contract and given them my bank information. As they have pointed out to me many times on the phone, they do not specify how high the originally low fees can rise and the cancellation fee is always looming over you.

    I am waiting for the branch manager at my bank, Wells Fargo to return my call so I can cut them off from my account and hopefully they will take action for worldpay’s fraudulent withdraw of this “termination fee.” I have filed complaints with the BBB and FTC. Are there other organizations that can assist?

  99. Leah

    I contacted world pay in April because I wanted to offer gift cards to my customers. I use an iPad as my cash register & they told me that gift cards would work. I signed up, received my card reader, had my sales rep come to my business to set up my iPad with their software & even ordered gift cards. Sometime towards the end of May I still wasn’t actively using WP & I still hadn’t received my gift cards. I asked my reps about this & their response was that WP can’t let me use gift cards on a mobile device. So I told them that I won’t be switching from Square now because the only reason I wanted to change was for gift card options. I found out that they charged me $15 to send me the card reader so my rep said they would refund that shipping because I wasn’t notified of that in advance. During the afternoon that the rep was there setting up the app on my iPad the dummy card that the company sent wasnt working to see if a transaction went through. So the rep then used her own card. Ok so in the months of April, may, June & July I was charged a $15 monthly service fee. I was told that the ONLY charge I was going to see was the per swipe charge. I asked the reps about this and their reply was that everyone charges a monthly fee & that Square will be too soon. When I called about getting those charges reversed & my account closed I was told of the crazy high cancellation fee because I was in contract. I told them I never used the system so how can I be under contract? Apparently, when the rep use her own card that day because theirs wasn’t working that allowed them to start charging me!!! What bullshit! I have been texting, emailing & calling them since May to get this figured out & get my money back. I keep getting put off with excuse after excuse! My husband finally called today & was told by my rep that I would be getting a $$76 ( correct amount) credit to my bank account. When my husband called customer service to see when it would happen they said I would only be getting $45! This company is full of scheming sales reps! I advise anyone out there to not get involved! They talk a good game and bad mouth every other POS company out there. I use & will continue to use SQUARE. They are straightforward & honest.


    My name is Donny I am the owner of Pine Tree Automotive in Longview Texas. My business has canceled with Worldpay And has been for three months. WORLDPAY is still charging me processing fees and non-PCI COMPLIANCE FEES WHEN I AM PCI COMPLIANANT 25.00$””” THIER RATES ARE OUTRAGES! I have a new processing company processing my credit and bank cards for less than half of what world pay was charging me. NOW I NEED TO FIGURE OUT A WAY TO STOP WORLDPAY FROM ILEGALLY DRAFTING MONY FROM MY BANK.

    1. Tina

      We need a class action law suit! I have a fraudulently altered contract by world pay. they faxed to me and my original that says month to month. also the fact that they admit the fraud in emails. I stopped payment to them after canceling service because they wouldnt let me out of what they call a contract. FRAUD.
      on 7/24/13 they found a way around the stop payment and took $495.00. I had to close my business account. the banlk wont really do anything the law here in oregon dose not protect the business owner. I dont know what to do.

      1. ronald beebe

        I am in absolute agreement Tina. they are slimey and do not care whether the service they offer is of value to the customer. they trap/trick merchants into a contract, jack the rates around capricuosly, and basically reply “tough, you signed the contract so we can do whatever we want.” I am not sure how they stay in business.

      2. kimberly

        I would like in!!! I am a hairdresser and have had nothing but problems with this company! They are bullies and I cant even get them on the phone or get into their websight?portal to get a hold of anyone! I want out!!!!

  101. Patty

    We could cancel anytime because we had no contract. So when I did and they even verified it with my husband, they keep charging me every month. They told me they couldn’t reach us when they tried to call back to verify it (again) for deactivation. They had my email and our new address and I’m sure they even had my new phone number. They’re obviously just making excuses to keep charging us. The manager said the volume was too high on the phone so they couldn’t understand the conversation, even though they never said “What, we can’t understand you?”. A rip-off!!!

  102. Paul Mcalary

    This is a company that truly has no regard for their customers. They are unresponsive and while all eventual communication with them is always courteous they really have no interest in anything but getting as much money out of their customers while providing the least effective and cheapest customer service. They really drive their customers to want to end their relationship with them and after they prove to be completely incompetent, are unwavering in taking no responsibility for their actions and refusing to let the their unhappy hordes of dissatisfied customers out of their contracts. Of course if you read their contract they have broken it and you should be allowed to give notice, but you have given then access to your commercial account which to them seems to be a license to steal.

    Run fast and run far away from this disreputable company!

    1. Patty

      Your right! Having access to your bank account is what gives them a license to steal and they lie about doing it, making up lame excuses. The way they’ve treated me after doing business with them for ten years (first RBS then Worldpay) is shameful. I second your complaint!

  103. Belinda

    I can say I am getting tired of the charge on my account then get the notice of how much it is. I can’t even see why I was charged so much when we didn’t even run as many charges the last month as the month before. Not to mention the surprise $129 charge they gave me last fall. Was told it was some service charge.. ok well i pay a service fee every month.

    1. Lyndi Heckaman

      Hello Belinda,

      There was a recent increase to some clients rate plans. If you have an account representative, I recommend contacting them about reducing your rates or contact customer care and request a rate review. If you need any assistance, please feel free to email me at [email protected]

      Thank you,


  104. Akshay

    Thief, liars, looting the innocent are some of the first things that comes to my mind when i think about RBS-worldpay.
    they did not accept my credit card because they knew i could chargeback.
    they charged me $500 from my bank as application fees and then did not approve my application.
    when i wrote about the refund, they did not reply for 4-5 days.
    then i called them up and raised a ticket, then i received a mail asking for my bank details that they already had…
    then i sent a dozen mails in the next 2 weeks but no response… and then finally they replied that “worldpay has made the transfer to my account”.
    i haven’t recieved the funds yet, so i asked them for a proof of transfer and that was 10 days ago, the reply was “we are investigating the issue”.
    I am still waiting.
    I am amazed how easily these banks are committing fraud with customers and there is no one to monitor this or stop this.
    I am pissed off with the system.
    So here is a $500 tip – Boycott RBS-worldpay

  105. Barbara

    I began using World Pay because they were affiliated with Charter One, the banking institute that I was using at the time. I decided, after a frustrating year and a half of paying high fees for both of these organizations, that I would terminate them both and incur their additional ridiculous fees for doing so. When I switched to my new merchant provider, I decreased the per transaction fee, the transaction percent withholding, and overall monthly charges. It makes a huge difference!

    One of the most frustrating things with World Pay is that they charge you to give you paper statements or you have to get them yourself online. But because they are online you don’t always have a chance to review their notices that appear in the documents each month indicating new fees, increases, etc. So, because I missed one of these notices I was charged a monthly non-compliance PCI fee but also, since they have to be compliant and the machines belong to them, I was charged a monthly compliant fee as well. They hit me with both of these fees each month! CRAZY

    Now, so far so good with my new provider. The new provider agreed to cover their fee for termination. Boy, I should have made the switch a long time ago. Oh, in case you’re wondering, I now use Bank of America. Maybe you have a different experience with BOA, but for me, I’m so glad to have made the change.

    Good luck.

    1. Lyndi Heckaman

      Hello Barbara,

      My name is Lyndi Heckaman, account executive for Worldpay. The $25 non compliant fee that you received is completely refundable. You simply needed to complete your annual PCI survey either online or by utilizing your PCI 1-800 hotline. I am not sure how long ago you canceled….. or if they would be willing to refund the fee now, unfortunately. I would like to warn you though, that Bank of America, aka First Data, also has a monthly Non Compliant PCI fee, which I believe is either $25 or $30 a month. So be sure to review your statements carefully.

      Thank you,


  106. Fred Fulled

    My story is very similar to everyone elses here. In lieu of wrighting a disgusting disertation, getting worked up, and complaining about the constant monthly jabs and increases from WorldPay, how do I terminate WorldPay and stop the fees prior to my anniversary date AGAIN?

    1. Lyndi Heckaman

      Hello Mr. Fulled,

      My name is Lyndi Heckaman, account executive for Worldpay. If you are still in need of assistance regarding the cancellation of your Worldpay account….. please feel free to email me. I will be happy to assist you with the proper steps you need to take.

      [email protected]

      Thank you,


  107. Mr.JayR

    I’m reading everyone’s complaints on here and I’m pretty disgusted with how this company handle things.

    I used worldpay for my coffee shop here in Chicago. At the time of setting things up with my shop, I admit, I failed to do my research on which terminals to use. Shame on me. However, I was referred to them by my banker. So I figured, this would save me a lot of time looking around.

    After a few months of being in business, holy crap! FEE FEE FEE!!! With all the fees added up, each transaction came out to 6-7% !!! Don’t let them lure you in with so called low transaction fees or empty promises. This company changes their policies all the time without notifying you AND they do that while you are still locked into their contract!!! So you have no say OR choice but to deal with it. That’s their motto. And good luck talking to customer service, nothing but a bunch of chess pawns reading from a script. Kinda like the person responding to all these post “Lyndi Heckaman”.

    The cancellation fee is ridiculous! They never mention this to you when you sign up. Regardless of your circumstances, in business, out of business, changing terminals, or selling your business; they will stick that fee to you regardless! I sold my business after 2yrs but had to wait another year for my contract with Worldpay to deactivate my terminal. Cheaper to pay $10/month for the year than pay the full $500. Still pretty shady of them.

    **My advise, stay away from this company and its bank affiliates (RBS, Citizens Bank, and CharterOne Bank). If you really need a credit card machine for your business, there are tons of companies out there that won’t stiff you on fees or lock you in a contract. And if you think your business will do about 30% or less in credit card transactions, you’re better off doing CASH only. The credit card fees will hurt the business in the long run instead of doing good. We did cash only and didn’t notice a difference in our customers.

    And since we are on the subject of Banks, why the heck is there a maintenance fee? I just don’t get it. We as customers, give money to the Banks to babysit, they lend our money out collecting interest on the money they lent out, but charge every customer with a monthly fee?! This is why I stick money with my local credit union!

    Good luck to everyone out there banking with these big banks. It’s just a big bubble ready to burst!


    1. Lyndi Heckaman

      Mr. Jay R.,

      I would like to address your comment above, since you chose to mention my name. First of all, I am an Account Executive….. NOT a customer service representative. This is not part of my job and I do NOT have to respond to any of these complaints or offer my help. I do it because I see that some of these complaints are simple misunderstandings which can easily be cleared up with just a little bit of assistance. I certainly do not like to see any merchant receive unnecessary charges. Everyone who has contacted me from this site……. and there have been many…… I have been able to assist in receiving refunds or providing them with information which helped them better understand what happened and how to avoid it in the future. I wish more of them had commented on this site on how they had been assisted and the refunds they received, but most of us never leave a comment in regards to the resolution….. we are just happy to have one.

      Just yesterday I assisted a hairdresser who recently closed her account…… she incurred a $295 cancellation fee and I was able to have $196 refunded to her!

      So I hope that you will reconsider your above comment referring to me as a “chess pawn”. Why would you want to discourage fellow business owners from seeking assistance, simply because you did not receive the answer that you were looking for. Maybe if you had emailed me directly, as so many other have, your outcome might have been different.

      I wish you the best of luck in all your future ventures.

      Lyndi Heckaman

      1. Linda Hammond

        Dr. Ms. Heckaman,

        We keep receiving a bill from world pay which includes a termination fee of $495.00 . Our contract according to world pay expires on Nov. 17, 2013. I am respectfully ask that this termination fee be waived or adjusted accordingly. I am happy to pay the monthly fees, if they are actually valid charges. We called World Pay in August and cancelled, but according to them, they received no call. We have always had a good working relationship with World Pay but changes within the company gave reason to close out this acct. with world pay. I would respectfully ask that this bill be adjusted accordingly for :

        Somerset karate Inc., Somerset, KY 42564
        London Karate Academy, London, KY

        1. Lyndi heckaman

          I wish that I could assist you Ms Hammond. Unfortunately, I do not have access to Worldpay UK accounts. The US and UK divisions are kept entirely separate However, I encourage you to contact customer support and refuse to speak to anyone other than a manager and explain you situation and remind them how long you gave been a customer. Also, if your intentions are still to cancel your account. You will also want to give the manager your official notification of non renewal to avoid a cancellation fee. You are welcome to email me directly if you have any additional questions. [email protected]

      2. Moi Luu

        I just want to say that this company is a total ripoff. My aunt is currently going through legal issue with this company. She terminated her contract with this company 2 years ago. Now, they are e-mailing her saying that she has 3 more years with the company. How do you contact someone 2 years later saying you have 3 more years of contractual obligation when within that 2 years you have not done any business with that company.

        My aunt is currently seeking advice from a lawyer. This kind of company deserve the hand of justice. If any employee who are working for them who are involve in this kind of fraud then shame on your ethical morals.

  108. Josephine

    I was a subscriber of World Pay for over seven years. Last November when I decided to terminate I was informed that there was a $498.00 termination fee. No where in the brochure does it state this and furthermore I was not aware that there was an automatic renewal policy. I disputed this and they did not get back to me. They just sent me to collections. I have filed a complaint with the Securities and Exchange Commission.
    The cost went from $50 per month to over $130 per month before they took any money out for processing. Please file your complaint to the SEC.

    1. [email protected]

      Hello Josephine,

      My name is Lyndi Heckaman, account executive with Worldpay. If you still need assistance with the termination fee you were charged, please email me. I will be happy to assist you and we may possibly be able to remove the account from the collection agency.

      [email protected]

      Thank you,


  109. holly

    I began service with WorldPay in November 2012. I was referred to a local representative named Lisa Milliken who came to my place of business right away to help me get started. I was concerned about rates and contracts as my business is very small and new. We sell approximately $50-$60 a day making juice and smoothies inside of a gym. Lisa assured us that there would be no contract and that the fees would be lower than all other companies. After the first week I noticed that there had not been any money put into my bank account, although my batches at the end of the night reflected sales. I contacted Lisa who told me she had written down the wrong account number and it would be corrected immediately. It took another week to see anything come through, and the deposits did not match my batches. I contacted Lisa again and she assured me that I was not having fees taken out of my daily sales, as that only happened with my monthly statement, so my deposits should be the same as my batches and deposited within a couple of days after processing.

    By the middle of December I was still missing a sum of money, and I again contacted Lisa. She never responded. I later found out she had left the company and I had no way of speaking with her. I contacted customer care at this point and explained the situation. The first women I spoke with treated me like an infant and told me that I obviously didn’t understand how credit works. She explained that my processing fees were being taken out daily and I would see that reflected on my statement. I waited until the beginning of January to see another statement before once again calling WorldPay. This time I was told that I should not have anything taken from my daily deposits and that all of my fees were to be taken at the first of the month. I asked where the missing deposits were and the representative asked me to be more specific. I told her that my batches and deposits were not equal, but that the first two weeks of receiving deposits into my account did not match sales at all because of the confusion with my account number, therefore I didn’t have an exact date that I could show her. I was happy to read two months worth of batches and bank statements, but she concluded that there was nothing she could do to help me, and told me to have a nice day.

    Soon after I contacted WorldPay again to discuss the missing deposits, and an extra fee I had noticed on my monthly statements. I was transferred three times (each time explaining the entire situation) before someone said she might be able to help out. In the middle of the call I was disconnected. I called back but could not be transferred the woman I had just spoken with.

    I am now ending my lease at the gym where I run my business. I had a hard winter investing every dime I had to stay open. My business bank account reflects a balance of $107. I contacted WorldPay to cancel my plan, at which time I was told there was a cancellation fee of $295, even though my representative firmly said “no” when I asked her if I was signing a contract with a time period. She assured me that I could leave any time I wanted, especially in the case that my business failed, which it did. I have no money. I have never been more disappointed with a business. WORLDPAY SCREWS PEOPLE!
    I am in the process of reporting to BBB and will do whatever necessary to have this situation radicated.

  110. L Goulet

    I have to give Worldpay A F for customer service. I was a customer for 7 years and when they started tacking on all kind of fees and I wasn’t happy with their company, they do not care as they then hit you with a cancellation fee on top of everything else. I hate a company that holds there customers HOSTAGE!!! If they gave good service and good prices they would not have to screw the customers leaving. I was signed to them thru my bank and I will be talking to them about how BAD and HORRIBLE this company is.

  111. Josh

    I called Worldpay over a month ago to inform them that I wanted to switch to their Gift Card only program (while I was in the process of switching my gift card business elsewhere). I was put on hold. The rep then came back and said that “we are going to leave you on credit, but it will be gift card only.” So I’m almost laughing at this point wondering how they were going to stick it to me this time. The statement just came. Like others, I received a $120 deduction from my bank account. This was for 2 locations. My new company was in shock about this.
    So here’s the deal with all of you who have had a bad taste in your mouth about Worldpay. Someday there will be a person out there who has more money than all of us who will come along and take these jokers to court. When that happens, keep your eyes open for settlement papers from Worldpay. There will be a nice check heading your way.

  112. Antoinette

    Last May I signed on with Worldpay through my bank. I was told that if I use them I would get priority treatment as a Citizens Bank Customer. When I was speaking with the rep before signing up, I asked her it there was a long term commitment and she said no. Three months after we opened our business, my mother got diagnosed with Cancer. She was a key person in the business. In October we had to close the business. We could not continue without her. I called in October to cancel the service and was told that there was a termination fee of $295. I explained to them that it was extenuating circumstances and the answer I received was, “You are not the one with cancer, so that really isn’t our problem.” The representative then proceeded to tell me that she didn’t sign the contract. I asked for a supervisor and of course nobody was available. The next day I received a call from someone and was at my full time job so I couldn’t take the call. When I tried to return the call, the voicemail extension that he left was not even for him. I tried several times to call the woman who signed me up and I was unsuccessful at getting in touch with anyone, nor did I receive a returned phone call from anyone. In the meantime, they have been deducting the fees from my bank account from October until February. Today I finally got a representative on the phone and he said he was going to get the monthly fees credited towards the $295 as a courtesy. I was willing to even do that at this point. 2 hours later he calls me back to inform me that his supervisor rejected the request even though he pleaded with him that I had extenuating circumstances. What kind of people do that? I wanted to cancel in October and because they were not returning my phone calls, I have to not only pay the $295, but they are keeping the additional $120 in fees they have been taking from my bank account for service I have not even been using since October. DO NOT USE THIS COMPANY THEY ARE HORRIBLE PEOPLE!

  113. Doug

    World Pay Gift Card system. We have found that after a period of time World Pay will devalue the card amount by $ 2.00 each month. The catch is they charge the Merchant .50 cents for each of these. A total rip off as no cost as been incurred by World Pay and they have no put of pocket money on gift cards. Trying to get ahold of the right person to end this rip off is impossible. This fee was never disclosed by RBS/World Pay or our Retail Pro Point of Sale reseller.
    Needless to say, once you have your point of sale software tied into your card processing, then changing is really a complete hassle. I am sure that World Pay is aware of this

  114. Josh

    A quick update on “As the Worldpay Turns” drama. We have switched everything from Worldpay except for our gift cards (going to happen soon). We haven’t run anything except for a few gift cards, and very few Amex in the month of January. I called Worldpay to let ask them to switch me over to gift card only. I was told that “your statement will still say credit, but it will be gift card only.” So my statement came in this month. We were charged $129.87 for the month of January! Good ole’ Worldpay never ceases to amaze me. So, here’s my suggestion. Go find a MUCH better processor. We went with Merchant Warehouse. No contracts, lower rates, buy you out of your contract with Worldpay…how can you go wrong? They might not have in house gift cards, but they have plenty of companies that they work with, that will still be TONS cheaper than what Worldpay is ripping you off for.

  115. Dale Fox

    Beware of World Pay! After using them for 9 years I changed processors because of the high surcharges I was getting from World Pay. As I was cancelling my account the representative on the phone stated I should have checked with them first as they could reduce the percentage (why do these large companies offer better deals only when you are cancelling), then I was told that because I hadn’t given them 90 days prior notice to my contract being renewed in October (automatically) for another 3 years I would have to pay a $195 cancellation fee. I paid the fee and hopefully the new processor will be more consumer friendly.

  116. Lyndi Heckaman

    Hello Philip,

    I noticed that you updated your Worldpay review as of 12/17/12……. However, you still have the incorrect early termination fee listed. What would you like me to provide you with to have this corrected? Anyone who would still incur a $495 cancellation fee would have signed their contract before Oct. 2010.

    Thank you

    1. Phillip Parker Post author

      Hi Lyndi,

      I will put this on the to-do list. What is the current contract term and ETF? Three years and $295?

  117. Lynda Colter-Bergh

    I am an independent rep with several companies. WorldPay is one of them. There are good things and bad things with each company. They all make their money somehow. Depending on who you work with as a rep, and what they decide to take as a cut, 80-95% of what you are paying in fees is the wholesale costs that go back to VISA/MC and, ultimately, the bank that originally issued the credit card. (If you are mad about rates, be mad at the banks that get you coming and going.)

    Having said that, I see a lot of people upset that they didn’t know they had a termination fee. I will tell everyone what I tell my clients. I don’t care if you are working with me or someone else, READ ALL OF THE CONTRACT. Don’t take our word for it. This industry has a revolving door of reps because it is not easy to make a living the first year if you are ethical. Don’t sign anything you haven’t read. Watch for sentences that refer to additional conditions on a website. Always ask what are ALL my fees? What is the Early Termination Fee? How long have you been in the industry? (The less they are in, the more likely they can be taken advantage of by unscrupulous Independent Sales Organizations – thus another reason for disappearing agents.) There is nearly NEVER a reason to lease equipment. If you don’t understand something, ASK questions until you do. Oh, one last thing. Even if the rep wipes out and changes parts of the contract, the company backing the contract will usually NOT honor it. So don’t believe it when you see someone cross out an Early Termination Fee (even if they initial it).

    I haven’t had issues as an independent agent with WorldPay. Was I happy with the $69 1099 fee? No. Absolutely not. I didn’t like going back and telling my clients that they were going to be hit with a fee that I hadn’t told them about. But they aren’t the only ones to charge it. Many have been charging it (and more) for a year now. Remember when I said the banks make most of the money? These types of fees are one of the ways processors make their money.

    Also, with a recent update, some businesses were reverted back to paper when they were originally set up for electronic statements. Check your statements. If you didn’t request a paper copy, call WorldPay. They have been really apologetic and refunded the money for the few clients I had this happen with and reset them to paperless. I audited my accounts and I had a few that this happened with.

    If I had one wish for WorldPay, it would be that they had more people in their US call center and increased personnel on Mondays and end of the month in particular to reduce hold times. But, again, hold-times are pretty standard in this industry and vary by company. Those fees pay for that tech support.

    Be much more weary about companies that offer a $49 a month zero mark-up on interchange and say there is not Early Termination Fee. I have reviewed these statements to find that they are padding the Interchange and what the clients didn’t realize is that the monthly fee is for 5 years. Yep, that’s the ETF. $49 x 12 x 5 (or whatever is left). I’ve managed to get the two out of that contract because of the fraudulent charges. Remember, everyone has to make money. It’s not free. But you have control over how much if you educate yourself.

  118. Saundra

    I agree, Worldpay is awful. I had a problem with a transaction that did not appear in my summary but somehow there was a glitch. Worldpay was almost impossible to talk to someone, meaning I had to wait over an hour, then they told me they couldn’t resolve the issue. Being a health care provider, I had to provide the receipt for the patient yet I was unable to. I had to then go through a software programmer to rewrite software just to print out the receipt that should have been there in the first place. Secondly, I called to cancel my service and get told just to email a cancellation notice. Then a get a bill for $495 a few days later. Oh, they neglected to tell me that I had a cancellation fee because I didn’t fulfill the term of my contract. I had four stinking months left to go on my contract and would have been better off paying the monthly fee for four months than the entire cancellation fee. Then, they can’t send me a bill and tell me I have no other choice but to go to collections because I closed the business bank account they used to electronically draw from. SHAME ON YOU WORLDPAY. I’m starting another business and not using you this time around

  119. Kathy Kingsbury

    The rep I worked with was a liar and scammer. I was overcharged every single month from the start and had to fight to get charges reversed. Our account suffered an overdraft because of this. When I tried to cancel, I was told it would cost me $295.00. Folks, WorldPay is owned by Citizen’s Bank. They charge for the air you breathe in their lobbies. My rep never told me about any cancellation fee. When I asked him why, he immediately offered me a $14.95 a month program, which it turns out is what I asked for in the first place.

    I spoke with another merchant who worked with this rep and he pulled the same stunt on her. They lie and tell you anything to get you to sign.

    World Pay has a C- rating, I left MerchantWarehouse (who has an A+ rating) for this lousy service.

    I plan to file a complaint with the BBB for bad sales practice and will also call the Attorney General’s office…STAY FAR AWAY FROM WORLDPAY!!!!

  120. fedup

    Worldpay is a ripoff and crappy to have to deal with!!! WorldPay has been a total pain this last year. The rep that relentlessly persued my business never mentioned it was a 3 year contract. I was told I could cancel at anytime if I was not happy (he failed to mention the $495 cancellation fee). PCI is a national thing they can’t control, but Worldpays monthly charge for it is double what my old processer charged. Then they have the nerve to charge a $69 fee in December for updates they did to software to be compliant to government reporting changes. Sorry, but that is a cost of doing business that they are responsible for. Where is it a customers fault that they aren’t properly equipped to handle there own business processes. To me this charge is the same as a business passing along credit card fee to its customers – ILLEGAL and prohibited!!! It screams class action lawsuit to me. If you call they only tell you what it is and that you were told it was going to happen on your Nov statement. The statements they charge you $4.99 a month to receive.

    1. Lyndi Heckaman

      Hello “Fedup”,

      Can you please tell me when you were originally setup with your Worldpay account? The reason I ask is because you stated that it was recent and as of Oct. 2011 our early termination fee has been reduced to a maximum of $295. I am terribly sorry that you are upset with the fees that you are currently incurring on your account. The $69 annual compliance fee is a new fee to us as well. Due to IRS requirements we are now required to send annual reports on all merchants detailing all credit card charges you accepted at your business. They require these reports now to verify the income you report on your income taxes. There is a lot of information on the internet regarding this federal requirement that you can access which will give a far better detailed explaination than I am able to provide. Now, that being said….. If you would like me to review your account and see if there is anything i can do to possibly in regards to this fee….. Please email me a good method of contact for you and I will be happy to help. ([email protected]). The last thing that we want is to lose you as a customer over something that we can work together to resolve.
      The last thing I wanted to address with you is that…. Depending on the state your bsuiness is located in….. It is actually NOT illegal for merchants to pass on the card cost to your customers. There are regulations to this however, so I suggest researching this along with any state specific restrictions. I believe the ruling allowing merchants to begin passing the cost on to their customers occured on or around July 7, 2012.

      I am happy to answer any additional questions that you may have regarding any of the topics mentioned above. So please feel free to contact me. I believe that I can help and we can make some adjustments that are better suited for your account and your business.
      Have a great day.


      1. Phillip Parker Post author

        Although Lyndi is correct that the IRS now requires processors to report credit card sales and issue 1099-Ks for each of their merchant customers, its important to note that the IRS does not mandate any required “compliance” fee for this. The fee is created by and goes 100% to WorldPay.

        1. Lyndi Heckaman

          Yes, that is absolutely correct…. the IRS is not mandating any required “compliance” fee for any processor. Above I am referring to the requirements that IRS Sec 6050W mandates that all processors must now comply with.. Processors had to change the way they collect and authenticate account holder data…… which is a huge undertaking. So when I am asked to explain the fee….. while this fee is not charged specifically for any one particular task that the IRS now requires we do…… But to say that it was not a contributing factor would not be accurate either.

  121. Doug Mendenhall

    Our not for profit organization changed officers last summer. We started contacting WorldPay about changing the address where we were receiving our monthly written statements. Eventually, I sent a fax per instructions from a rep with WorldPay in November. We have not received a written statement of account for 6 months, despite the fact that our former treasurer received them monthly. Now as our account has continued to be billed high charges we are trying to terminate with WorldPay. They are now asserting a $495 early termination fee. They claim we should never have been receiving mailed monthly statements and their failure to mail them is not a breach. They also claim they never received the letter I sent in November, 2012 and they refuse to acknowledge the fax number they gave me. I write this to warn others of the poor customer service, the run around from World Pay to the vendor who signed us up with them, and the unreasonably high charges for services. Shop elsewhere is my advice. Interesting too that other comments I read on this site describe similar problems.

    1. Julie

      You don’t get mailed statement anymore because the statements are sent electronically through email in what looks like junk mail. They started this in October when they implemented a new $129.99 annual fee, probably so thinking that most people don’t carefully read their email or would bother to download the statement and read it carefully. World Pay keeps debiting my account even after I paid the cancellation fee. I had to change my account to stop payments. Customers beware if you sign on with this company…your business will suffer!

  122. N Harmon

    They make you rent a terminal for credit card processing at $30+ per month. The terminal could be bought for under $150.00
    I tried to cancel service and they said I had to wait until November. I could buy out the lease for $275.00 I called in November and they said I needed to give a 90 day notice and it was too late for that because the termination window would expire.
    They then said since I called in June that they would count that and close the account. After 3 months they are charging me still. I called and they denied that I cancelled and now they want $495.00 to cancel. They have already charged my over $933.00 and I have not used them for any processing.

    Please there are many merchant services vendors.. avoid this one….

  123. Jim alderson

    My message is short and sweet about World Pay.Beware and proceed with caution this company ( World Pay). While with World Pay I had many illegal transactions from removing excessive funds from my bank account without notice,unexplained charges. My original agreement was for $55.00 a month plus 3 percent of sale on any credit card transaction, this never happened I was charge a excessive charges several times a month,we never could balance our books with this illegal practice.
    They use very deceptive business practices and are scam artists,Beware of this company they are crooks.

  124. Marsha Hazen

    This is by far the worse company to work with. If you have any problems at all, you can not get them resolved. As far as I am concerned, they deliberately ignore correspondence in hopes that you give up, so they can keep your money. Our company is due money for equipment, a cancellation of a full gift card order (we were to be charged only the cancellation fee, but Worldpay took the entire amount out of our checking account), a chargeback that the customer had made a mistake on and has since been charged again by their credit card company — Worldpay received the credit and has not passed it on.
    I think this company should be closed due to unethical business practices.
    I would strongly recommend that any company interested in changing merchant services to this company not due so. I am in the process of letting all my vendors know what kind of company Worldpay is. The excuses I received is that they are “short-handed” and can not research any of the problems I have encountered. This has been going on since August, 2012. Time to quit!!

  125. Laura K

    I have been a Worldpay customer for the past 10 months and have never been more frustrated with a company in my life. I had an excellent experience signing up with my service with my sales rep. He was awesome, but he left the company before I set up my terminal and I was assigned a new representative.
    The new person called me to set up a time to install my terminal and she didn’t show up, and no phone call. She called a few days later to set up another time to install it. I waited 4 hours and left. I had my contractor still working when I left, and I told him if a lady comes by to tell her I had left and to not let her in because I couldn’t wait any more. He called me to tell me she came in when he was in the back and that she was in my office going through my things. I didn’t have my terminal out and ready, it was in a box in my office in with all of my personal things. That means she came in, didn’t say anything to anybody, found her way to my office and started going through my personal things to find all the stuff she needed. And she set it up wrong, I wanted it set up to have a place for a tip and since I wasn’t there while she helped herself to full access of my office, she didn’t know what I needed.
    I was completely livid and called her several times to come fix it and never received a phone call or email back. I emailed her supervisor and never received an email back. I just let it go and decided to call customer service if I ever needed anything instead of her.
    I noticed one month I got a $25 non-compliance fee, so I called and they said I had to go through some questionaire so I did it over the phone and they said it would be fixed and it shouldn’t show up again the next month. That was 4 months ago and I have received the fee every single month. I spend over an hour on the phone every month calling them to have the $25 fee removed. It seems to be an error every time, and they tell me “okay this time it’s fixed and it shouldn’t be there next month”. And of course the next month it’s on there and I spend another hour on the phone. Last month, the lady said, “yes I understand it was our error, but unfortunately we are only allowed to remove the fee 3 times, so I can’t remove it this month”….even though I completed the compliance 3 months prior to that. I complained over a survey thing they sent me and someone contacted me and removed it last month which was very nice, but I am currently on hold right now for this months fee.
    This month I looked at my contract to go over the fees before I called again to have the $25 fee removed because I am fed up and want to cancel my service. I noticed in my contract it says I pay $0.00 a month for an administrative fee and yet every month for the past 10 months I have been charged $10.00 of an administrative fee. I also noticed in my contract I pay $0.00 per occurrance for my batch headers yet I have paid about $4.00 per month for a batch header fee.
    Apparently this company just charges you for everything under the sun to see if they can get away with it, and then you just have to look over your statement every month to see what you have been overcharged for and you have to sit all day on the phone fighting with them to have it removed.
    This is just ridiculous. I have never had a worse relationship with a company. I feel like I have been scammed and am stuck in a contract now, I don’t see how they are still in business, I wish I knew some other place to report this because I am completely being tricked and scammed every month and I feel like this is illegal.

    1. Lyndi Heckaman

      Hello Laura,

      I am truly sorry to hear of all of the problems that you are experiencing with your account. I can absolutely help you with the $25 Non Compliance fee issue, the missing tip line (if this has not already been resolved) and your monthly service and batch header fees. If you will please email me your contact information ( [email protected] ) I will be happy to give you an immediate call to discuss the refunding of the fees and what we can do to help resolve this situation. I completely understand your frustration and anger. You have every right to be upset. Worldpay is a very large company and we do our best to ensure that every account is setup correctly, but sometimes we make mistakes….. and in your case it seems we have made several. I think the important thing when it comes to situations such as this….. is willingness to fix them and do whatever possible to make sure that you are happy with the solution.

      Please give me the opportunity to assist you with resolving these issues. There is no reason that you should have to continue to deal with this…..

      I do hope that I hear from you soon.

      Thank you,

      Lyndi Heckaman

      1. Laura K

        I emailed Lyndi with my info and I have to say I am pleasantly surprised by her quick response to help.
        I spoke with someone from Worldpay today who was very helpful and apologetic. While he said he couldn’t refund the $200 because he didn’t have the authority to, he did admit that I was wrongfully charged for the past 9 months, which completely surprised me. He said he will pass my info along to his supervisor to take a look at it to change my account.
        Clearly Worldpay has some issues that need to be worked out (such as the account representatives, i haven’t had contact with mine since the day before she rummaged through my things 7 months ago and stopped returning my calls/emails).
        I wouldn’t trust just signing up with them and throwing away your monthly statement. I now feel as though I need to go through my monthly statement thoroughly every month because the guy who I talked to from Worldpay had no idea why I am charged random amounts on my account each month or how that happened so if he doesn’t know, then I surely don’t trust their computers!
        I am happy with the response from Worldpay today, but I will have to wait and see to make sure I am credited my $200.00 in fees and to see if this is a recurring thing or not next month.

      2. J J

        I am so frustrated with this WorldPay company as they call themselves. I signed up not knowing all the hidden charges and 3 yr term. No explanation whatsoever. I have never set my credit card machine up nor has it been out of the box. Someone was suppose to call and help with the set up in which they never called at the time they were suppose to and when asked they gave all these excusese as to why they couldn’t get ahold of our company which is a bogus lie. I spoke to the rep and said they tried to call wihich is a bogus lie as we are here all day long. The rep that sold us this Worldpay scam set up of course no longer works for this company. They will not take the credit card machine back which has never been removed from the box as it is past their 30day limit. Also in the fine print! I will also turn them into the BBB and the Attorney General. WHAT A SCAM! DO NOT SIGN UP WITH THIS COMPANY!

  126. Paul

    Bad Experience
    My World pay salesman was sent to me by a friend. The salesman told me that he could save me roughly $93.00 per month on my processing fees but I had to buy a new terminal at a cost of over $300.00. I started in mid-October and my first statement from World Pay was a bit high. Several phone calls later, the salesman called me back and said he would come to review my statement. He never showed! November’s statement was roughly $100.00 more than my previous processor with many hidden fees that I was not informed of. Several more calls to the salesman and he finally came to review my account. He fumbled over the statement and said that there was a mistake that he would have to review. He said he would get back to me.
    Two weeks passed without a call from the salesman and when I tried to call him, all I got was his voicemail. When I emailed him, I got a reply that he was off of work for the Christmas holiday. I called customer support and got the phone number for his boss and called him as well. The boss said that the salesman did not know how the new rate program worked and he would get together with the salesman and call me the following Wednesday on my cell phone. I waited ALL WEEK and never got a call from anyone so I called customer service to cancel my account and was told that I signed a 3 year contract and there was an early cancellation fee. I was never told of this as well! I cancelled the account, called my bank and stopped them from making any further drafts from my account.
    All in all, it cost me about $500.00 more than before to find out what kind of a shakey company World Pay really is! I would not recommend them to anyone! STAY AWAY!

  127. Suzanne

    This is probably the worst company I have worked with in the last 10 to 15 years. Sales woman was great until the contract was signed. Once it was signed she would not do anything. Phone calls were never returned.

    Plugin did not work with quickbooks pro. I was told installation instructions were simple. Installation took 2 hours on the phone with a customer service rep and still did not work. Nothing was explained so that It could be understood. In the end it cost me $295.00 to get out from under this outfit. Hopefully this last phone call will work. Run.

    1. Lyndi

      Hello Suzanne,

      My name is Lyndi, I am an account executive with Worldpay. I am currently working with another merchant who is also experiencing difficulty with the quickbooks plug-in. Honestly, they introduced this plug-in with the best of intentions. I mean it was a great idea and so many people were excited about having other processing options with full integration…… unfortunately, there are just too many issues that need to be resolved and so much of that depends on Intrix. (I know I did not spell that correctly) But either way….. I cannot promise you anything, but since I am already fighting this same battle for another merchant…. if you would like me to discuss your account with them as well….. please email me with a the best time and way to reach you. I’ll be happy to see to see if there is anything that I can do for you.


      1. Daijing

        Hi, Lyndi,

        I have some negative experiences with the sales person who signed me up with World Pay. He presented to me that there are no long-term contract, it was month-to-month. On top of that, we have been charged with very high IRS reporting fee for the past two years. Overall the fees are going up all the time. When I decided to terminate the merchant account I was told my cancelation fee was $495. I will still go a head cancel it, really do not want to associate with any merchant who is doing business in such a deceptive manner. But I will for sure file a compliaint with BBB. I will not recommend World Pay to anyone based on my experience. Thumbs down on their services.

        Daijing Wang, L. Ac.

        1. Lyndi Heckaman

          Hello Daijing Wang,

          I am so sorry to hear of the poor experience that you had with your former account executive. Am I correct in saying former? I am assuming that the account executive that you signed up with is no longer with Worldpay…… is that correct?
          I would like to speak with you about this…… especially about the IRS Reporting fee that you were charged for the last two years. Worldpay Corp. does not charge this fee……. Is it possible that you were set up through an Independent Sales Office which resells our services? When customers are setup through independent sales offices….. sometimes they charge additional fees for different reasons or different cost that they incur. This can becoming extremely confusing because it says Worldpay on your statement, but there is now a third party involved which can add their own additional fees.
          If you would like to discuss your situation further and see if there is anything that I can do to assist you…… Please email me at [email protected]
          I will be more than happy to discuss it with you and provide you with some helpful information that you may find useful with your current and future processing accounts.

          I look forward to hearing from you!

          Thank you so much for your comments…… they help us to continue to improve!

          Lyndi Heckaman

  128. Carla

    I was a customer for 10 years. I originally started with Lynk until Worldpay took them over. I was very disappointed when I sold my business and canceled my account. I was charged a termination fee and I was charged all of the monthly fees (not processing fees) even though I canceled the account on November 13. I was even charged a Minimum processing fee on one of my terminals even though I didn’t use the terminal after the 13th. Do they just try to milk small businesses and cheat their good customers. I was going to refer them to the new owners of my business and I was going to use them when I opened my new business but they lost out on both. I will never do business with them again. They lost 2 customers and they also prompted me to write this review. I have never written a review online but I felt so cheated that I had to do write this. To those of you fellow small business owners beware of the fees. You trust them to give you the money you are rightfully due instead of them nickel and dimeing you to make you poor and make them rich.

    1. Lyndi

      Hello Carla,

      My name is Lyndi, an account executive with Worldpay. I am so sorry that you had such a terrible experience ending your relationship with us after being a loyal customer for 10 years. As you know we are a large company with thousands of merchants, which also requires a very large customer care dept. to answer and resolve all customer matters quickly and efficiently. Having been in the industry as long as I have, I think we have one of the best customer care depts. of any processor……. but I can also see that we are still far from perfect and are actively working on the areas that still need improvement. Fees and cancellations being one of them. Since, the customer care rep. does not have the authority themselves to waive or reduce cancellation fees….. some will just simply tell you that there is nothing that they can do. And in a lot of cases that is very true, but there are also exceptions that can be made on a case by case basis. Sometimes they just fail to recognize the accounts that a good case can be made for.

      And in regard to the monthly fees that you were charged….. please understand that fixed monthly fees are automatically charged and billed by computers. With as many merchant accounts as we have….. it is impossible to bill them any other way. So if your account was not cancelled before the date that the computer is programmed to generate those fixed fees, then it continues to follow the perimeters that were set for your account until they are changed.

      Now, since you canceled just recently….. I may be able to help you get some of these fees refunded to your account. Especially, since you were with us for 10 years and you never had to cancel your account in the first place…… after you sold your other business to open your new one….. they could have just made the necessary name, tax and banking changes and just “transferred” your open account.

      If you would like to discuss your situation with me further….. please feel free to email me the best time and contact method…. and I will be happy to help you!


  129. Josh


    I own a couple of coffee houses. We switched to Worldpay because we had a lot of left over gift cards from a previous location. We have had nothing but headaches from the very beginning. First off, it took them over a month to get the gift cards sorted out. We had to talk to multiple representatives who all gave us a different answer. That is a minor issue compared to most though. Second, if you want your funds available the next day, don’t EVER expect that to be the case. It will always be the day after. You also won’t receive deposits on Saturdays or Tuesdays. If there is a holiday (Thanksgiving in particular), you won’t see your funds until the following Monday. They have cost me hundreds of dollars in overdraft charges because of these practices. Third, be VERY aware of their hidden fees. They will quote you .10 processing fee plus interchange. After looking at our bill, we found many instances where we were charged .22/transaction, plus a dial fee. If you are using gift cards, you better make sure your patrons are using those gift cards. Worldpay charges a gift card dormancy fee. Last month alone, that fee was $19.
    On to their customer service. If you feel like talking to Worldpay, and happen to run across Marlon Golson, turn around and run the other way! He may sound like he knows a lot of info, but his favorite phrase is, “Let me pass this on to my manager, and have him call you.” I have heard this multiple times, and have never heard from a manager. He has also put me on hold, come back to tell me that he has another call, and needs to go. He told me he would call me back later that day. I called back that day, then two weeks later after not hearing anything.
    Think you are going to talk this company into cancelling their early termination fees because of bad practices? Think again. Upon calling to discuss this, they looked at my account and proceeded to tell me that, “it looks like all of your phone calls have been resolved.” FAR FROM IT! The manager then told me that they were doing nothing wrong. When I asked her about the quoted .10/transaction, and being charged more than that, she told me that she wasn’t able to tell me anything about my quote.
    Please please please reconsider using this company. They aren’t what they were when they were RBSLynk. This company is snowballing. Don’t get on board!

  130. Charles nagy

    Watch out for this company. They charges extra fees and require cancelation fees even after you have completed there 2 year contract. My termanal went out so i started checking around for a new one. when comparying companies i found i was being over charged by world pay. When i contacted them they said they would lower my rate but would still charge me over 200 for a refurbished terminal. i went with a different company because they were still higher. when trying to cancel thier services they told me they were going to charge me 195. because i did not give them a 90 day noticed. i have checked my contract and the only early termantion fee i see is if i do not complete my two years witch i have done. watch out for these crooks.

  131. Thomas French

    To whom ever could help with my situation; I own a small business and needed to accept credit cards for a certain customer and since they went out of business I havent been using my account, Now World Pay is charging me for non usage from14.95 normal charge to 30 dollars. Also since not using account I got a fine or fee for 25 dollars for not opening my e-statement and responding to worldpay changes. When I called to see why I got upset with whoever answered phone and told me to close I would have to pay $495 and was told it was my responsability to open statement. When I called second number I was told that the $25 fee was going to be credit back to me (nothing yet) and cancellation would be $295. Now if you do the math either way I go broke. In doing research of contract I also found that in less than Two weeks my first year is upcoming and it would be less to cancel contract. This is not a good way to keep customers happy especially when i dont use account and you still make money. It is just like having credit card and paying high interest.
    I want to cancel but I would like your help because of all the problems I see that customers are having closing their account.

    1. Lyndi

      Hello Mr. French,

      I am terribly sorry for your frustration. I will be more than happy to assist you with the cancellation of your merchant account.

      Please email me your contact information and the best time to reach you and I will be happy to give you a call to discuss this further.

      Thank you so much for contacting me. I am happy to help always, if I can. :-)


    2. Scott Ginther

      Another WorldPay customer who was surprised by the $495 termination fee. I guess I’m not the only one who didn’t hear that mentioned in the sales process. If you need a lawyer to read your contract before you sign up for a merchant account, there’s a good chance your working with the wrong payment processor. As I have said before, I am a loyal Intuit customer now. They don’t play games with hidden fees and abusive charges. You know what you’re getting into and how to get out with your money still in your wallet.

  132. nancy gonzalez

    Hi lindy i would like to talk to you i used this sarvice for credit cards i change to another company more then 2 years aND they keep charging me

    1. Lyndi Heckaman

      Hello Nancy!

      I am so sorry for the delay. I usually receive an email alerting me to comments posted….. I must have missed it or possibly accidentally deleted it….. which is why I am only just now responding to your request above.

      I can absolutely assist you with ensuring that your account is closed and that you will no longer be billed those dormant account fees.

      Please send me the best number and time to reach you at and we can discuss your situation and get this account closed.

      [email protected] Email me anytime.

      I look forward to speaking with you!

      Lyndi Heckaman

  133. Steven

    I had a virtual terminal with worldpay started at 50 a month then 90 a mo th got 3 quotes from Chase, BOA, and Amex all 50 to 60% cheaper and told me all the fees worldpay was doing was a joke and taking me for ride alls customer support said nothing to bring it down to the origanl price and 90 a month is great and I said Im probably going to cancel what do they do shut the acct down then say I owe 495 which I will never pay and chase tolde to file a board compliant with the board because of the bad practice they did to me. So people watch out these people cheat and customer support won’t do a thing to resolve the issue alls I can say is look up the ratings of every company because I should have facts don’t lie.

  134. Sandra

    I have been trying to cancel World Pay Credit Card Processing for a year now and am still being charged monthly fees. I was told even though my initial contact was expired they had instituted a requirement of notice prior to THEIR effective date which they automatically renew. This was NOT on my contract so I asked them to send me their copy. Instead of just the contract I signed, they also sent some bogus other pages in a totally different handwriting and insisted this was part of my contract. I told them to cancel and charge their “newly added” required cancellation fee and they said they could not cancel until the renewal date which was still 10 months away. I had no choice but to agree. Now this renewal date has come and gone and they are still charging me even though I have not used this company for processing in almost a year. I am going to have to contact a lawyer which I cannot afford or pay all my banking fees to cancel and open a new bank account. I will still be out all the charges up to this time. I AM FURIOUS! CUSTOMER SERVICE? I WOULD LIKE TO KNOW WHERE IT IS!!!

    1. Lyndi Heckaman

      Hello Sandra,

      My name is Lyndi and I am and account executive for Worldpay. First, I would like to say that I am terribly sorry for your frustration. If you would like to contact me or send me the best number and time to reach….. I will be more than happy to discuss your specific situation and see what I can do to assist you.

      That being said….there are a few things that you mention in your complaint above that I would like to address.

      You stated above that the contract that they sent to your per your request, was not your handwriting and you did not recognize the pages that they sent you. It sounds to me like they may have sent you a copy of the terms and conditions that should have been presented to you with the application and at the time of signing. But I could be wrong because the terms and conditions have NO place to initial or sign….. as it is not required for merchants to sign or intial the ACTUAL terms and conditions pages because when you sign your customer processing agreement it states above the signature line that by signing below you agree to all terms and conditions for customer processing agreement. (unfortunately that is all they need and it legally stands in court because the moment you signed your processing agreement…. because of that verbage…. you agreed to all terms and conditions. At that point it does not matter if you have never even seen them because you already agreed to them)
      The terms and conditions is where you will find all the fine print such as the terms of termination, early termination fee amounts and contract duration and auto renewal. EVERY Processor has terms and conditions and for the most part they are all basicaly the same…… the main differences that you will want to look for are early termination fees, termination requirements and contract duration and auto renewal.
      I’m not sure what year you signed your original contract with us…… but all of our applications have the terms and conditions printed on the back of the page now. Which eliminated the issue of merchants not receiving them due to an account rep. not or forgetting to provide them.

      Now on to the issue of you having to wait 10 months to cancel your dormant processing account…… That is 100% INCORRECT!!! Do you happen to remember the name of the person you spoke to who told you that? If you will email me a good number to reach you at, I will call you in the morning to get some basic info from you and we can have that account closed before lunch!!

      If you signed before 2011 the early termination fee is $495. If you signed after Nov. 2011 then the termination fee will either be $295, $195 or $95. Once I speak with you and have a few more details on your account, then we can discuss the best option for you.

      I hope you find this email helpful and I look forward to speaking with you again.

      Lyndi Heckaman

      1. Sandra Leigh

        I have been unable to cancel this contract and have been charged $601.70 in fees this year. I went online and tried to access my account but have been blocked. The only way to keep any additional fees from being collected was to close my bank account, which I have done at additional fees to my company! I have suffered stress and missed work due to this situation.

        I own my equipment so there is no rental fee. I am requesting a refund for the illegal fees that were charged my bank. If I do not find prompt response and satisfaction to this situation I will send this information with all documentation to the Better Business Bureau and possibly on to legal representation.

        1. Lyndi Heckaman

          Hello Sandra Leigh,

          Are you the same Sandra who’s comment I replied to on October 4th? I hope I am not wrong in assuming so…..

          As I mention above, I am more than happy to discuss your account with you and advise you how best to proceed.

          I am only able to reply on this page unless you leave an alternative method of contact in your comment or you can contact me directly at [email protected]

          I am terribly sorry that you are experiencing so many issues with the cancellation of your account. I would really like to speak with you to obtain more details about your situation……. you should never have this much trouble canceling your merchant account with us. After I speak with you, I will have a better idea of what kind of assistance I can offer you.

          Thank you so much.

          I look forward to hearing from you.

          Lyndi Heckaman

        2. Lyndi Heckaman

          Hello Sandra,

          I am not sure if my previous comment went through or not.

          Please contact me directly at [email protected] with the best number to reach you at and a preferred time.

          I will be happy to assist you with the issues you are currently experiencing with the cancellation of your account……. but I will need a few details from you. This will help me better assist you and ensure the best possible solution.

          If you do not contact me directly….. I can only reply on this site to your comment. And I will need a little bit more information than is provided above to locate your account.

          Thank you so much. I look forward to your prompt reply.

          Have a wonderful day!

          Lyndi Heckaman

  135. Larry Gerson

    I had been a LYNX customer for 4 years from 2002 to 2006. At that time we switched to the credit card processor from our practice management software company. Just recently I found out that our checking account has been charged $89 a month for the past 6 years by World Pay.

    Additionally we were sent for collection for an additional $400 as our bank account changed and World Pay was no longer able to take from that account.

    When I called to inquire what the collection company was calling about and why we were sent to collection I had the shock of my professional business career. How is it possible to be charged without our knowledge a monthly fee for an account that had not been active for 6 years?

    I have reviewed the contract and feel that we were not informed of the termination fees and contract
    extensions. Call to their call center and have not been returned.

    I am sure you can understand my anger and frustration. Could you please contact me so that we can a resolve this situation.

  136. Emily

    DO NOT USE THIS COMPANY. I signed up with World pay through Office Ally and feel I was lied to about the fees. I second other comments on here- within 2 months of signing up fees began being added to my monthly statement. Every few months a new fee was added until this month I get notice of an annual fee. I have been with them for 9 months and although the service itself was fantastic- they are VERY DECEPTIVE in their DISCLOSURE OF FEES at the front- end. I have currently filed a complaint with the BBB disputing my early termination fee as I feel they are forcing me to terminate my contract due to the ongoing piling on for fees. It was my mistake to believe that the fees outlined in the contract were what I should actually expect. My fees have tripled in 9 months and that is before the annual fee they are now stating will be added. BUYER BEWARE if you are a small merchant.

    1. Scott Ginther


      I also signed up with WorldPay through Office Ally (via 3rd party TransEngen). I have been very happy with Office Ally and I was shocked that they partnered with a company as shady as WorldPay. Officy Ally provides low cost services for small medical practices, so I have no idea why they have chosen to partner with WorldPay who gouges their customers for excessive fees and high termnination fees. It’s hard to imagine why, when there are other companies out there (Intuit for example), who are very low cost and easy exit.

  137. David M.

    Worldpay is not my problem. My problem is with the lying salesman who informed me that the service was non-fee based. If I never used the service I payed nothing. I’m a sucker for signing anything without reading it in it’s entirety – problem is, I don’t live in that world. I am a “my word is my bond” kind of guy. of course, Worldpay, being a corporation, probably cares about nothing but getting my money. I have called repeatedly and when i was able to get through was told apologetically that there was a substantial early termination fee… this is after they billed me for three or four months for a service I never used even once! Plus I got a collection letter for something or other – while they were withdrawing money from my account? The salesman – whom I was actually doing a small job for – enticed me by telling me they would pay me $200 dollars to sign up (sounds too good to be true). Problem was that I REALLY WAS interested in accepting cards, recurring payments, etc. I had been approached by my bank but didn’t want to add the extra expense associated through the many different fees. I just figured if I didn’t use it I pay nothing – can’t lose. In the back of my mind I figured the $200 was something I would receive after a lot of use – as I said, I don’t live in a world where I worry about dishonesty – I’m pretty good at reading people. This guy got me…. yup, he suckered me and I will eventually probably have to pay the fees, early termination fee, etc. but it will probably cost Worldpay quite a bit more more than what they gain. At the moment I am a small fish… but I know a lot of big fish – and “up-and-coming” fish. I will be recommending that they do not do business with this company.

    1. Lyndi Heckaman

      Hello David,

      First, please allow me to apologize for the poor service and incorrect information you received from the account representative you were working with. Worldpay has an amazing training program for account representatives that are new to the business….. that is if they are even hired. Worldpay rarely hires anyone without at least some industry experience. That being said….. this is a very large industry and we are a very large company…. sometimes a “bad egg” slips through.

      I cannot undo the bad taste that your experience thus far has left in your mouth….. but I can attempt to rectify it. I believe that with a few simple adjustments, I can remedy your situation and provide you with a cost effective solution that will allow you to accept credit cards if you so choose.

      It appears to me that your account rep. was inexperienced and structured your account all wrong. We have several different programs tailored to fit all kinds of businesses…… I mean a particular pricing program with works for a $250k a month restaurant, would not work for, say a seasonal business such as a bait shop or ski lodge. If you have some time and would allow me to offer my assistance, I would love to speak with you and gather some details about your business and see if I can restructure your account to benefit you and avoid the $295 early termination fee.

      Please email me if you would like to discuss this further at [email protected]

      I do hope to hear from you. I would hate for you to pay unnecessary fees out of frustration when I can possibly offer your a solution that works for your business.

      Have a wonderful day.

      Lyndi Heckaman

  138. Aaron

    Buyer Beware!

    First things first, if you are not happy with the service, be prepared to shell out $300 to cancel your service. This information is buried in contract and you may never be told about it explicitly, but the fee will not be overlooked when your are ready to leave, as I did after only 5 months. Do not trust what are you told by the agent, who may very well be working on commission for an intermediary company. Some may be very honest and helpful, others, unfortunately are not. Read the fine print!

    I signed up with them in March 2012 through Office Ally which made the process very seamless, but I quickly became disillusioned with the service due to the rising rates. My monthly administrative fees nearly doubled after just 3 months, resulting in $24 per month in administrative and PCI fees every month before even swiping a credit card. The rates I received for the cards I did swipe, were never 1%, and often closer to 2 – 4% plus the 25 cent fee per swipe.

    While their overall rate may be somewhat lower than other mechants, when you consider that you need to spend at least $300 per year in administrative fees, pay money per swipe in addition to the percentage, and be charged a different percentage for every credit card, with much higher rates and a premium fee to accept American Express cards, is it really worth it?

    For a business with a high monthly credit card volume, it may be, as the .5 – 1% savings per swipe will add up in bulk. However, for small businesses, mental health practices and other venues where people typically pay with checks or cash and there is a relatively low volume of credit card use, there are many better deals out there that will cost much less, have no cancellation fees and include many additional free features such as website integration, mobile use, and check cashing options.

    Before writing this comment, I spoke with multiple service representatives who essentially all stated that there was nothing that could really be done since I had already signed a contract. I also emailed Lyndi Heckaman from the above comments and she quickly called me back. She was very pleasant and offered a lot of helpful advice, but unfortunately was not able to adjust my cancellation fee per company policy. She agreed with my assessment that Worldpay was not the best merchant solution fro my business needs and is not geared towards smaller business that do not expect high volume credit card sales. To her credit, she was sincerely apologetic about my experience and offered many helpful tips for future choices.

    A helpful tidibit that I picked up from my conversations was that the best policy is to negotiate prior to signing a contract with any merchant service. The merchant business is currently highly competitive and many processers will be willing to bend over backwards to get new customers. Almost everything can be negotiated, including complete abolishment of early cancellation or administrative fees, but only if they are done in advance of signing. Once you put down your John Hancock, you have lost your leverage.

    I hope this post helps others from making similar mistakes as I did. Live and Learn…

  139. Shirley

    Worldpay US is NOT a service company you should work with for your biz. They were OK at your account setup time, however once you sign the contract, there is no customer service since then. There is no live people to answer your question and respond the issue for your service.
    In our case, we started to work with them through AT&T cellular phone company for swipe creditcard merchant service in May 2011. We cancelled the service 2 months later, because we never been able to use their service properly at all. We called and left multiple voice messages with the customer sale agent who setup the account for us. NO response what so ever.

  140. Kathleen Rodgers

    I was a worldpay customer for 6 years and when I contacted customer service to terminate my service
    I was informed of a termination fee. I was told it would be $195.00, this obviously upset me. I do review my statements monthly, and have always received great customer service when I have had questions or needed assistance. I was reading the comments left on this website and contacted Lyndi Heckaman a senior account executive with Worldpay. She contacted me promptly and we discussed my circumstances. Lyndi is very professional and courteous, in retrospect, had I discussed my situation with customer service as Lyndi adivsed, I probably would have reconsidered my decision. I will say that my customer service representative Latoya did reduce my termination fee to $95.00 because I had asked. I think anyone thinking of changing any product or service, should give their current provider the option to review their needs. I would recommend Worldpay.

    1. Lyndi Heckaman

      Thank you so much for the kind worlds Kathleen. It was such a pleasure speaking with you. Please let me know if you ever need anything.


  141. peggy chilson

    I have been using WorldPay service since 4/11 through Office Ally. I do not use a terminal, but use my computer, which is a pain. Also, I was confused about the fees, for example one month I only had one transaction for $90, yet my subsequent bill was for $64! Today I called them to ask about the fees and to inquire about ending our relationship. What a shock! I was told about the $495 early term fee, that could be waived to $295. I told the representative that I did not believe her, because I would not sign a contract for that long of a term or under those conditions, and she needed to provide me proof. She did send me a disclaimer that states this info, but nowhere on that document is my signature. Additionally, the contract states that I will not use another service during this time, but doesn’t state what they will do. Probably take $495 out of my account! What nonsense! Stay far, far away from these folks. I wish I had and wish me luck extricating myself for this mess.

  142. Randy Mitchell

    I signed up with world pay in 2005 . I paid over 500 dollars for my terminal and was told I had a 1 year contract and would be charged less than 3% on all transactions. I never looked at statements for years assuming that I was dealing with an honest company. I finally checked rates 10/11 and was shocked to see I was paying well over 5%. I called to complain and was told they would review my rates,after waiting and calling for over a month I still had no rate review so I signed up with someone else. I was given a new machine for free and signed a 1 year contract with no auto renewal. When I called world pay to cancel service I was told I had an autorenewed contract that could only be cancelled 90 days prior to anniversary date. After searching my contract from 2005 with a magnifing glass I did find where it was hidden in small print. I quit using my terminal and found that worldpay was taking $40 per month out of my account for not meeting there minimum charge. I put a stop payment on world pay at my bank. Now I have received a letter that I have been turned over to a collection agency.
    I believe worldpay owes me for overcharging me for years . DO not go with this company as they are out to take every penny they can any way possible.

    1. Lyndi Heckaman

      Hello Mr. Mitchell,

      I am an account executive with WorldPay. First let me apologize for the poor customer service you received when requesting a rate review. Conducting a rate review for our customers should NEVER take more than a few days or less. If you happen to remember the name of the person that you spoke with I will make sure that the issue is brought to the attention of customer care management.

      That being said, please allow me to address the issue of the rate increase that you experienced. Unfortunately, there is no such thing as “fixed” processing rates in this industry…. no matter what company you are with. Visa/Mastercard/Discover release new rate increases, occasional rate reductions, and additional fees TWICE a year (October and April). All processors pass these changes on to merchants…… some pass them through directly and others view it as an opportunity to increase your rates beyond the actual true rate changes.
      All of this information and description of the increases, reductions, and new fees can be found on Visa or Mastercard’s website. I am a huge advocate for merchant processing account education!! I know that it can be confusing and frustrating, but if you want to continue to accept credit cards…. this is the current nature of the business. So I recommend that all merchants do their research and learn what they can about credit card processing! Sit down with your local representative or contact your local chamber of commerce and ask them who they use or if they can recommend anyone for you to speak with to help you understand your statements and how you are charged a little bit better.

      Above you stated that you have not looked at your statement from 2005-2011…… 6 years. If you consider that there are rate/fee changes TWICE a year…… does it make the rate increase you experienced over those 6 years make a little more sense?

      I can absolutely understand your frustration and anger, but ultimately this is your money at the end of the day……. it is SO IMPORTANT that you review your statement EVERY MONTH and ask questions about ANYTHING that you do not understand or any new fees that were added! I personally conduct rate reviews for my clients once or twice a year…… but I can guarantee you that is not the norm in this industry! So there for it falls on you to take responsibility for your merchant account and every 6 months or every year you need to take a moment and get a few competitive offers from other companies to make sure that your rates are still competitive! If you receive a lower offer, take it back to your current processor and 99% of them will match the offer.

      You also mention that you located your terms and conditions that you were provided when you originally signed….. while I personally think that it is just good business practices to review them with my clients….. not everyone does that little extra. But again….. this is your business and you want to make smart informed decisions that benefit your business. When presented with a contract….. though it may be tedious….. REVIEW all fine print and terms and conditions!!!! I’m sure that at some point in all of our lives we have been “bitten” by the fine print that we did not read, maybe on a cellphone contract or a rebate form, or accepting terms and conditions for websites/phone apps, etc. When presenting a contract for someone to sign, no matter what the contract pertains to, terms and conditions MUST be provided, but no one is required to review them with you verbally. By signing the application you are agreeing to the terms and conditions….. So always read them and ask questions.

      Worldpay has processes millions of transactions a day for over 500,000 merchants world wide. We are a large company with a lot of industry experience, and we do our best to make sure every merchant receives the best customer care possible….. but like all companies and people we are not perfect.

      Again, I am sorry for the poor customer service that you received and I will make sure that they are aware of your complaint. And I hope that you found some of the other information and tips I mentioned above helpful.

      If you have any questions or would like more information about credit card processing….. please feel free to email me at [email protected]

      I will be happy to assist you in any way that I can and answer all of your questions or show you were you can locate the information directly on Visa/MC websites.

      Thank you so much! I hope to hear from you.

      Lyndi Heckaman

  143. sharon

    i keep seeing worldpay on my bank statement. and i havent signed up for anything i need answers….. please email me for my information so i can find out what is this charge for thanks.

    1. Lyndi Heckaman

      Hello Sharon,

      Please email me your contact information and I will be happy to discuss your situation with you.

      Thank you,

      Lyndi Heckaman
      [email protected]

  144. Charlene Burke

    After 6 1/2 years with Worldpay they want to charge me $400+ as an early cancellation fee. I found a company that will save me approximately $80.00 per month . I can’t understand how they can get away with this.

    1. Lyndi Heckaman

      Hello Ms. Burke,

      I am a Sr. Account Executive with WorldPay. I am so sorry for your frustration regarding your early termination fee. We have since reduced that fee to $295 if canceled in the 1st year, $195 for the 2nd, and $95 for the 3rd. Since you signed over 6 years ago…. your contract termination fee is $495. However, WorldPay is very willing to work with you on this or waive it all together. Have you been able to get in touch with the account executive who setup your account? Also, we have a wonderful retention department that would be more than happy to review the rate reductions you have been offered and match or beat them. If you have not had any luck with either of those options…. then please feel free to email me and I will be happy to get you to the proper management who can possibly waive that fee for you.

      I hope to hear from you. Have a wonderful day.

      1. Kathleen Casavant

        I was shocked when I just cancelled our service with WorldPay that we were charged $295. I was not told about the 3 year contract or I would not have used WorldPay in the first place as we are a tiny art gallery with sales of less than $5,000 a year and we wanted to try it out to see if it increased sales. I also did not receive anything in regard to terms and agreements in writing. The only document I signed was the customer processing agreement. I did all of this via scanned documents and there is not a scanned document indicating the terms and agreements, or again, I would not have used this service.
        Please refund my $295.00.

        1. Daijing

          I had very similar experience. I only had the customer processing agreement sent to me and never seen a 3-year contract. They then sent me a copy of the contract without my signature on it. I wonder what if there is any legal process to end the contract.

  145. david auto repair

    When Worldpay had procesed my credit cards transactions they always overcharged,they always come outs with fees out of no where, by the time I want to cancel my three years loyalty to their company they want to thank me with a $495. dollars cancelation fee.


    1. Lyndi Heckaman

      Hello David Auto Repair,

      My name is Lyndi Heckaman and I am a Sr. Account Executive for Worldpay. I am not sure if you are still processing your transactions through us or not…… but if you are, I would like to offer my help. I will be happy to review your statement with you and answer any questions that you may have. If there are fees that can be reduced or eliminated…… I will absolutely assist you in making that happen.

      I have mentioned before that our early termination fee has since been reduced….. (for some reason this website refuses to correct the information they have listed above)….. if you still want to proceed with the cancellation….. I will be happy to assist you in getting that fee reduced or waived.

      Thank you very much. I look forward to hearding from you.

    2. sonja

      Two words…bait and switch!!I was told by worldpays independent outside sales ELITE PROCESSING …. I was in a one year contract and a half years later…i got slapped with a 495.00 deactivation fee…After they told me about the deactivation fee..I stated about the contract …they stated i would have to follow up with the sales guy…i found out he works out of the same location…after i complained he stated he would wave the deactivation if i sent back the processing machine i purchased…also when i purchased the terminal i was charged twice..on different months for the same machine..i had to get that charge reversed..which i feel if i didn’t catch it. It would of gone unnoticed. Now the only thing us consumers can do is file pleas with the consumers protection agencies in your state…also writing to your states attorney general..class action suits. If you have a problem with worldpay one can file with the FDIC..or The federal trade commission name a few solutions …World pay need to hold these outside sales accountable..or the Attorney General will..

  146. Debbie

    I signed up with Worldpay thru a reseller, the whole transaction went smoothly, I had no issues for a whole month, then all of a sudden I was reconciling my bank account and noticed right away that I had 3 days worth of credit card sales that did not get deposited, mind you I noticed this within 1 day of it happening, I immediately called World Pay and discussed the situation, they informed me that they could not find any of my information that my terminal ID had been deleted, so for the next 5-6 days I was in contact with the reseller I signed up with & WorldPay to try and resolve the issue of getting my money, I was guarenteed that I would get my money the following week by Wednesday, still to this date I have not received my money, World Pay has called & promised me that this situation is a high priority & will call with a resolution date, mind you I am a small business & operate on a day to day basis of sales. Point is I need my money its been 1 week & no resolution has been solved.

  147. Lyndi Heckaman

    Hello Mr. Parker,

    I would like to kindly request that you update your review and information regarding Worldpay. Since your review was conducted there have been SEVERAL changes and improvements to WorldPay’s advertising and terms and conditions. The most notable being the early termination fee! This has since been reduced to $295 if canceled within the first year of the contract, $195 if canceled in the second year and $95 if canceled before the completion of the third year. Also, the contract only renews for 1 year…. unless the customer provides notice of non renewal! Not to mention that contract terms and early termination fees are possibly negotiable….. on a case by case basis.
    Also, advertising rates as low as .99% is not false advertisment. We do infact offer rates even as low as .79%! We offer two types of plans, interchange (cost plus) and fixed rate Tiered plan. All potiental customers should call for more details if they are interested. This rate is offered on swiped debit card transactions…… regardless if the new federal Durbin Amendment regulating debit card cost effects that card or not….. because this rate is offered on a fixed tiered plan. Interchange (cost plus) plans are different. If you would like more information regarding our pricing or which businesses benefit from this rate the most….. then please feel free to email me. I will be happy to answer your questions or provide you with anything that you need in writing. As you are well aware….. different businesses benefit from different pricing plans….. all businesses are different…. they can accept cards in different ways and some businesses accept more debit cards, some accept more rewards cards, and some accept more corporate cards. Worldpay reps. are trained to educate potiental merchants on these differences and place them in a pricing program that is best for their business and show them simple steps they can take to reduce or eliminate certain fees…… such as AVS on handed keyed cards.

    I really do hope that you will take this information that I have provided you with seriously and contact me if you have any questions or need any documentation. I know that you want to provide the most up to date information for everyone who visits your site seeking advice and trusted correct information.

    Thank you so much for your time.

    Lyndi Heckaman

    1. Phillip Parker Post author

      Hi Lyndi,

      Thank you for the comment. I have approved it since it might have useful information for merchants. All reviews are updated every 12 to 18 months and the information you have provided will be verified for the next update.

      As for the rate advertising. I have deemed this type of marketing as deceptive because it suggests to merchants that all of their transactions will experience such a rate, especially to naive and new business owners. Even if a merchant was to experience the advertised rate, it would likely only occur if the merchant was set up with Interchange-plus pricing and transacted a particular type of debit card. Overall, a minuscule percentage of cards would run at the advertised rate. In my opinion, it is more ethical to not advertise rates at all than to advertise unrealistic and misleading rates.

      Lastly, the majority of merchants do not understand the difference between tiered pricing schemes and Interchange-plus pricing. As a former agent, I can say with absolute certainty that Interchange-plus is nearly always the best and most transparent pricing option. Most of the various tiered pricing programs are designed to protect a provider’s huge profit margins while giving the merchants a slight savings and the impression that they are getting a good deal.

      1. Dean Grayson

        Just wanted to say that I am fairly new with the company, but the .99% rate on tier one is accurate. I have a particular business that I signed up with this rate that had 205 transactions on his first statement. Of those, 203 were billed at the .99% rate. He called to show me his statement. The merchant was very happy. I cut his processing fees in half. WorldPay is a great company with an ethical sales force and an awesome leadership team. We are trained to educate our merchants and never have I been told to be deceptive. While we do have some set fees, we try to make up for it with pricing options that lower the overall bill. And I am proud to work for this company.

        1. Phillip Parker Post author

          Hi Dean,

          Were these debit card or credit card transactions? Can you get me a copy of the statement for verification?

    2. Chip Taylor

      Lyndi I am dealing with your company now with a silly issue. I have been with worldpay since 2005. I changed my company name three years ago and changed the info with you guys. For whatever reason they counted this as a whole new contract. Your company is now saying I must pay an early cancellation fee of 495, but after I told them I’ve been with RBS since 2005, they said they’d lower it to 295$….

      So I am getting lied to while getting ripped off, because according to you the standard fee is 295. So much for the supposed ‘deal’ I am getting. I don’t believe I should have to pay a dime, I’ve been with worldpay since 2005. I plan to write up exactly what steps have occurred and posting my story in every single outlet I can find on the interwebs.

      I believe that Worldpay is out to screw their customers. I’d appreciate any input you have on this issue.

      1. Lyndi Heckaman

        Hello Mr. Taylor,

        I apologize for my delay in response to your comment….. I never received an email alert that their were replies to my above listed comment. I do hope that I am not too late to at least assist you with the issue that is prompting your cancellation or assist you with the cancellation fee.

        First, let me address the confusion with your company name change…… sometimes errors are made in this situation, especially if your new business has an entirely new federal tax id number. Any time there is a name change or you close one business but open annother, sometimes department communication errors occur. In your situation…..customer service did not notice the account communication chain linking your new company name with your old one. So therefore they viewed it as an entirely new account. This does not mean that it cannot be corrected. May I ask you if you have a personal account representative? If you do then I strongly recommend you reaching out to them to assist you with either matching the rates or services you are being offered…. or to assist you with having the cancellation fee lowered to $95 or waived entirely.
        Our contracts auto renew for a term of 1 year….. so with our new step down cancellation fee…. if you have been with us for 6 years, then your fee should be $95 at the worst or $0 at best.

        I wish that I had received some form of email alert that you replied to my comment. I would have replied IMMEDIATELY, if I had.

        I am very interested to know how everything turned out in your situation. I would love to assit you are still dealing with this issue. feel free to email me at [email protected] if I can assist you further.

        Thank you,


    3. Gilda

      Hi Lyndi, I’m in the same situation about de ETF of $495.00 and my contract ends on 11/04/20012; inactive account on 05/08/2012. Let me know where can I contact you to give more datails about my contract…

      1. Lyndi Heckaman

        Hello Gilda,

        I am so sorry for the delay in my response. I never received an email alert that people responded to my commennt. Again, I apologize!!!

        Please email me directly at [email protected]……. and I will be more than happy to help you with the cancellation fee.

        I look forward to hearing from you!!!!


      2. Lyndi Heckaman

        Hello again Gilda,

        Just in case they do not post my email information in my prior comment…. you can contact me on facebook and I will be happy to give you my personal number.

        Lyndi Heckaman
        Houston Texas

    4. James D Brown

      Dear Ms. Heckamon,
      I tried to cancel my contract and was told it would cost $295. I am now in my third year with your firm so, according to this email to Mr. Parker, it should only cost $95.00 to cancel. Can you please help me cancel at the $95.00 rate? My Customer # is [redacted for security issues]. Your help would be greatly appreciated.
      Thank You, Jim Brown

      1. Lyndi Heckaman

        Hello Mr. Brown,

        I will be more than happy to look into your situation. Please email me directly with the name of your business, business address, phone number, and customer number…… I will have customer service pull up your contract and take a look at what I can do for you. [email protected]

        Thank you so much,

        I look forward to hearing from you!!

        Lyndi Heckaman

    5. William

      This is incorrect information. I just cancelled my account because of the exorbitant fees and being lied to for the last 15 months and the representative charged me $495 and said there was nothing she could do.
      Another processor was able to charge me HALF what worldpay charges.
      Worldpay was supposed to be integrated into my POS software within 6 weeks of my signing on with worldpay, 15 months later it is still not integrated. The representative for my POS software gave me the number of the Worldpay VP that they are working with (Brent Stockwell) and he told me he couldn’t help me because Shawn Blalock was my rep when I signed up and that he would have Shawn call me, this still hasn’t happened (Not the first time). I received a letter stating that Worldpay was adding ANOTHER $69 Compliance fee on top of the exorbitant $14.99 a month PCI compliance fee So I decided to cancel my service before I got charged this fee even with the $495 fee.
      I had multiple instances of double charges going onto my customers accounts from using the virtual terminal. I was able to reverse these charges BUT I still came out looking like the bad guy to my customers.

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