We take a closer look at one of the UK’s biggest merchant account providers for small businesses
Worldpay merchant services review
|Reviewed by: Expert Market||07/06/2019|
- Transparent, straightforward pricing
- 24/7 UK-based customer support
- PCI compliant
- Advanced fraud protection tools
- Average Trustpilot reviews and score
- One of the more expensive merchant account providers out there
If you’ve been searching online for a way to accept card payments at your business, chances are you’ve already stumbled across Worldpay. And that’s no surprise – with over two decades of experience and more than 300,000 UK businesses as customers, it’s a goliath in the payments industry.
But is it right for your business? What kind of customer service and support can you expect? And how much will it all cost?
Read on for our expert review, and find out which of Worldpay’s payment solutions is right for your small business. Alternatively, jump straight to Worldpay’s pricing plans and fees, or to the latest customer reviews.
What Worldpay can offer your business
Worldpay is a merchant account provider that offers ways for UK SMEs to accept credit and debit card transactions. Worldpay supplies solutions for bricks and mortar stores, market traders, online merchants, phone-based businesses, and more.
As well as dedicated payment processing, Worldpay also provides complete electronic point of sale (EPOS) solutions, as well as a range of analytical tools to help grow your business.
But we know you’re here for the merchant services, so we won’t dally. Dive into the list below, and start exploring what Worldpay can bring to your business today.
How do you want to take payments?
Worldpay card machines
If you’re not taking card payments at your store, you’re missing out on serious money. How do you fix this? By getting a card machine (or PDQ machine, in industry terms).
And as far as PDQ machines go, Worldpay’s are pretty good. They look good on your counter or stall, are PCI compliant, and process payments faster than Usain Bolt’s morning supermarket run.
As well as taking face to face payments, Worldpay’s card machines also let your business offer cashback, gratuities, and (gulp!) refunds.
These PDQ machines all accept contactless, as well as mobile wallets like Apple Pay, Samsung Pay, and Google Pay. They’ll also shave valuable time off your transactions, making for happier customers, staff, and bank balances (yours, anyway). Let’s take a look at which one is the best fit for your business.
|Worldpay countertop card machine||Worldpay portable card machine|
Worldpay mobile card machine
You want to take payments from a fixed point
You want to take mobile payments on your premises
You want to take payments without a fixed premises
Cafes, convenience stores, and retail businesses
Pubs, restaurants, and cafes
Market stall vendors, tradespeople, salespeople, and taxi drivers
Worldpay also offers a mobile card reader – a bite-sized gadget that pairs with your smartphone or tablet to let you ring up and process payments. It’s easy to use, and small enough to fit in your back pocket.
Better still, the Worldpay reader connects via 3G, rather than relying on a shaky wifi connection. So unless you’re planning on setting up shop in the middle of the Sahara, you can do business on the go – any time, anywhere.
The Worldpay card reader is available contract-free for an upfront price of £69, with transaction fees of 2.5% + 4p. Alternatively, the reader will cost you £4.99 per month on an 18-month contract, with transaction fees of only 1.5%.
▶ Read more: Best credit card machines for small businesses
Worldpay ecommerce services
If you don’t have a fixed premises, don’t stress – Worldpay offers several simple ways you can take payments from your home office, sofa, or mum’s basement. Let’s take a look.
✔ Online payment gateway
A payment gateway is what processes the sensitive card info in online transactions – and if you want to get paid through your website, you’ll need one.
The good news is, Worldpay’s payment gateway is secure, simple, and affordable. And there’s a couple of ways to add it to your website, so it’s versatile, too. Here are your options:
Hosted pay page
Your customers will be redirected from your website to a payment page hosted by Worldpay. If you’re new to online payments, a hosted pay page is your best bet – there’s no advanced technical know-how needed, and it’s a quick, hassle-free way to get going. It’s also completely PCI DSS compliant.
Integrated pay page
These are a little bit more tricky to set up, but the payoff is glorious. You’ll maintain full control over the look and design of your customer’s checkout experience, ensuring that their browser-to-buyer journey is a smooth one.
It is more high maintenance, though. And because you’re handling sensitive card info, you’ll need to ensure that your business is compliant with card industry standards. Find out how here.
▶ Read more: Best payment gateways for UK businesses
✔ Virtual terminal
Worldpay’s virtual terminal lets you accept card transactions over the phone. It’s a secure webpage, where you can enter your customer’s credit card info and take payments on the spot. You don’t need a website, and you won’t have to download any software. Just log in, and get paid.
Worldpay’s virtual terminals are included as standard with all pricing plans, except Pay As You Go.
▶ Read more: Best virtual terminals for UK businesses
Pay by link
This handy feature lets you create and send payment links in seconds. It’s great if you’re a freelancer, do business across borders, or don’t have a fixed work premises. Your customers just open the email, click the link, and pay. Simple!
Worldpay’s pay by link feature also helps you keep track of funds through an online portal. Plus, you can send links with your own personalised logo and branding. Better still, it’s all PCI compliant – meaning you’ll spend less time stressing, and more time doing what you love.
Worldpay’s pay by link is included as standard with all pricing plans, except Pay As You Go.
Unlike many other merchant account providers, Worldpay is pretty straight-up about its fees. There are four plans, which all come with zero joining fees and 24/7 customer support. And if your card machine does decide to call it quits one busy day, don’t fret – all plans include next-day terminal replacement, too.
Not too shabby, then. Let’s explore how the pricing plans shake down.
Worldpay’s Simplicity plan is… basically what it says on the tin. Well-suited to businesses with reliable monthly sales volumes, it’s a straightforward, hassle-free plan that rolls up all the standard charges into one (simple!) fee.
Online payment gateway fee: £19.95 per month + 10p per transaction (after first 350 transactions)
If you’re not a fan of surprises, this plan might just be up your street. You’ll pay a fixed monthly fee in advance, which includes your card machine rental, authorisation fees, and a certain amount of transactions, too.
Package fee (from): £49.99 per month
This is the plan for the seasoned pros. If you’ve been taking card payments for a while and know a bit about the range of fees that can be involved, this option is for you.
Sure, it’s a tad more complicated. But on the plus side, you’ll get the highest level of customisation. And if you play your cards right, you’re sure to save in the long run.
Online payment gateway fee: £19.95 per month + 10p per transaction (after first 350 transactions)
PCI management fee: £29.99 per year
Pay As You Go
Are you looking for a flexible, low-commitment in-road into taking card payments? Thought so. Why not go for the tried-and-tested pay as you go approach, then? As the name suggests, you’ll only be charged when you take a payment – and there’s no fixed monthly commitment, either.
As you go! (Ha, ha)
Online set-up fee: £25
Online payment gateway fee: 10p per transaction (after first 350 transactions)
So – now you know what Worldpay does, and roughly how much you can expect to pay to take card payments. But before you make the leap, let’s take a look at what Worldpay’s customers are saying. We took to the internet to grab hold of a few recent reviews:
- David, Worldpay customer
“Every time I have ever called Worldpay with any queries, they have been sorted out over the phone, and immediately. I cannot fault the company at all for the excellent customer service. It is actually nice to speak to Worldpay, knowing my questions and queries will be dealt with straight away.”
- Calum, Worldpay customer
“It accepts a lot of cards, and is very easy to use – I totally recommend. Worldpay offers support to both small and large companies.”
- Ezequiel, Worldpay customer
It was basically as we suspected – Worldpay’s customers loved the service, the ease of use, and the convenience of its ecommerce solutions. But what didn’t reviewers like so much?
- James, Worldpay customer
“Well, a lot of small problems were caused by slightly different test environments. After a lot of testing, some things like 3DS didn’t work as they should’ve done. Also, the documentation wasn’t quite clear, and didn’t contain some of the items we needed to make things work with on-site checkouts.”
- Anon, Worldpay customer
So, applying and getting set up could take longer than you bargained for, as might some of the more technical stuff. Let’s round it up and offer up our expert verdict.
Whether you’ve just started out in business as a market stall, or are a larger retailer looking to upgrade your current payment provider, Worldpay has a solution for you.
Offering reliable card payment processing, round-the-clock customer support, and an array of flexible pricing plans, it’s hard to look past Worldpay.
But, while we recommend Worldpay merchant services, we get that it might not be an exact fit for the unique demands of your business. So if you’ve got a minute, enter some details about what kind of payment processing solution you’re looking for into our short webform.
We’ll match your requirements with the right merchant account providers for you, so you can start comparing quotes from top suppliers. It’s easy, free, and can get you moving on your journey to accepting card payments.