Is Worldpay worth the price?
Worldpay's pricing structure appears somewhat complex due to its varied transaction fees and additional charges.
While the 0.0% transaction fee for major card types is attractive, the 4.5p authorization fee per transaction and additional monthly charges like the $20.00 POS terminal fee and $15.00 MMSC can add up. This pricing model is best suited for businesses with high transaction volumes where the low percentage fee outweighs the per-transaction and monthly fixed costs.
Pricing Plans
Transaction Fees (In person)
Free
- Mastercard Debit: 0.0%
- Mastercard Credit: 0.0%
- Mastercard Business: 0.0%
- Visa Debit: 0.0%
- Visa Credit: 0.0%
- Visa Business: 0.0%
- Authorisation fee: 4.5p
Transaction Fees (Online/phone)
Free
- Mastercard Debit: 0.0%
- Mastercard Credit: 0.0%
- Mastercard Business: 0.0%
- Visa Debit: 0.0%
- Visa Credit: 0.0%
- Visa Business: 0.0%
- Authorisation fee: 4.5p
Additional Charges
Varies
- Chargeback fee: $20.00
- Revival fee: N/A
Monthly Charges
Varies
- Point-of-sale terminal (per terminal per month): $20.00
- Gateway: Included
- PCI DSS service fee: $5.00
- Minimum monthly service charge (MMSC): $15.00
Hidden Costs & Gotchas
4.5p authorization fee per transaction
$20.00 chargeback fee
$15.00 minimum monthly service charge
$20.00 per POS terminal monthly
$5.00 PCI DSS service fee
Which Plan Do You Need?
High transaction volume businesses
Established merchants
Businesses needing diverse payment options
How Worldpay Compares to Competitors
Compared to Square, which offers a flat 2.6% + 10¢ for in-person transactions and 2.9% + 30¢ for online, Worldpay's 0.0% + 4.5p per transaction can be more cost-effective for high-value transactions. However, competitors like Stripe offer transparent pricing at 2.9% + 30¢ per successful online transaction without a minimum monthly service charge, making Worldpay's $15.00 MMSC a potential drawback for smaller businesses.
Worldpay Pricing FAQ
How much does Worldpay cost?
Worldpay starts at $0/month on the Transaction Fees (In person) plan. It offers 2 paid tiers ranging from $0/month up to $0/month.
Does Worldpay have a free plan?
Worldpay does not offer a permanent free plan. Paid plans are required from day one.
What is the cheapest Worldpay paid plan?
The cheapest paid plan for Worldpay is "Transaction Fees (In person)" at $0/month. Key features include: Mastercard Debit: 0.0%, Mastercard Credit: 0.0%, Mastercard Business: 0.0%.