Worldpay Credit Card Processing 2023: Reviews & Complaints

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.

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.)

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.

DO NOT USE

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.

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!!!!

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.

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

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.

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!

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!

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.

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!!!

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

WORLD PAY IS NOT A SERVICE COMPANY YOU SHOULD WORK.

DO NOT USE THIS COMPANY

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

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!

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.

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

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.

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.

UPDATE:
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.

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

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.

STAY AWAY FROM THIS COMPANY!

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!

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.