Worldpay

Established US payment processor with an all-in-one Commerce360 POS platform, AI-assisted chargeback defense, and an open-source MCP server.

In-person rate: Get quote
Online rate: Get quote
Monthly fee: Get quote
Contract: Not stated

Best for

US small businesses that want an all-in-one POS platform (Commerce360) with in-store, online, and on-the-go selling from one dashboard.

Pricing breakdown

All prices in USDLast verified July 16, 2026

Every fee we track, grouped by where it applies.

In-person payments

In-person terminal and tap-to-pay transactions.

Transaction rate: Get quote
Worldpay bases pricing on annual card turnover, average transaction value, and merchant category; no flat rate is published. Source: worldpay.com/en/insights/guides/accept-credit-card-payments-as-a-small-business, read 2026-07-16.
Monthly fee: Get quote
Not published for the small-business plans (Commerce360 / Smart Terminal / Card Reader); merchants apply and are quoted. Source: worldpay.com/en/small-business, read 2026-07-16.
Hardware cost: Get quote
All Commerce360 hardware options are listed "Contact us" with no price published. Source: worldpay.com/en/products/commerce360, read 2026-07-16.
Setup fee: Not stated
Not published on worldpay.com for the small-business plans.

Online payments

Online checkout and keyed-in card transactions.

Transaction rate: Get quote
Same quote-based pricing model for the online/Simplicity plan. Source: worldpay.com/en/insights/guides/accept-credit-card-payments-as-a-small-business, read 2026-07-16.
Monthly fee: Get quote
Not published for the small-business plans (Commerce360 / Smart Terminal / Card Reader); merchants apply and are quoted. Source: worldpay.com/en/small-business, read 2026-07-16.
Setup fee: Not stated
Not published on worldpay.com for the small-business plans.

Other fees

Chargeback fee: Not published
Worldpay's own guide lists "chargeback fees" among the processing fees a merchant should factor in, but does not publish an amount. Source: worldpay.com/en/insights/guides/accept-credit-card-payments-as-a-small-business, read 2026-07-16.
AMEX rate: Not stated
Amex acceptance is confirmed (see payment methods) but no separate published Amex rate was found on worldpay.com.
International card surcharge: Not stated
Not published on worldpay.com.
Early termination fee: Not stated
Not published on worldpay.com.
Instant payout fee: Not stated
Not published on worldpay.com.
Refund fee: Not stated
Not published on worldpay.com.
PCI compliance fee: Not published
Worldpay's own guide lists "PCI compliance charges" among the processing fees a merchant should factor in, and points to Worldpay's Authentication program for compliance support, but does not publish an amount. Source: worldpay.com/en/insights/guides/accept-credit-card-payments-as-a-small-business, read 2026-07-16.

Contract terms

Contract length: Not stated
Not published on worldpay.com for the small-business plans; third-party reviews describe multi-year terms and cancellation difficulty, but Worldpay does not itself publish a term length.
Settlement time: Not stated
Worldpay's own guide references "quick settlement and deposit times" generically but does not publish a specific number of days for US merchants. Source: worldpay.com/en/insights/guides/accept-credit-card-payments-as-a-small-business, read 2026-07-16.
Recurring billing: Yes
Pay-by-link solutions include subscription payments. Source: worldpay.com/en/products/online, read 2026-07-16.

Accepted payment methods

Cards, wallets, and other methods supported by Worldpay for US merchants.

Cards

Visa
Mastercard
AMEX

Digital wallets

Apple Pay
Google Pay

Strengths and trade-offs

Pros

All-in-one Commerce360 POS spans in-store, online, and on-the-go with inventory tools built in
AI-driven Disputes Defender helps fight chargebacks with automated evidence
Open-source MCP server for AI-agent payment integrations
Worldpay iQ self-service portal for managing payments, operations, and reporting

Cons

No published flat rate; pricing is quoted from turnover, ticket size, and merchant category
Contract length and early termination terms are not published
Third-party reviews report mixed customer service experience
Recently absorbed into Global Payments following the January 2026 acquisition, with some pages still mid-migration

About Worldpay

Worldpay (trading as "Worldpay from Global Payments" after Global Payments completed its acquisition of Worldpay in January 2026) offers US small businesses quote-led card processing built around Commerce360, an all-in-one POS and business-management platform that spans in-store, online, and on-the-go selling from a single dashboard, including inventory tracking, staffing tools, and a third-party app marketplace. Hardware options include the dual-screen Smart Terminal, the portable WiFi/4G Smart Terminal Flex, and a pocket Card Reader.

Worldpay does not publish a flat rate card: pricing is quoted from annual card turnover, average transaction value, and merchant category, and merchants apply for an account online rather than getting an instant self-serve rate. Worldpay also runs Disputes Defender, an AI-driven chargeback evidence tool, and has released an open-source Model Context Protocol server for AI-agent payment integrations.

Worldpay was founded in 1971 and is headquartered in Cincinnati, USA.

How Worldpay compares

Side-by-side with the closest alternatives by estimated cost.

Assumes $15,000/mo volume, $50 average transaction, 70% in-person and 30% online.

Compare all providers

	Worldpay	Helcim $104/mo est.	Stax $129/mo est.	PayPal $438/mo est.
In-person rate	Get quote	IC + 0.40% + 8c	0% markup + 8c	2.29% + 9c
Online rate	Get quote	IC + 0.50% + 25c	0% markup + 15c	2.99% + 49c
Monthly fee	Get quote	Free	$99/mo	Free
Hardware cost	Get quote	Card Reader $199; Smart Terminal $349 (or $32/mo)	Quoted (resells Dejavoo/Verifone/Clover near cost)	PayPal Zettle reader ~$29 (first reader); extras ~$79
Contract length	Not stated	No contract	Month-to-month	Month-to-month
Settlement time	Not stated	Next business day	1-3 business days	1 business day
Est. monthly cost	—	$104/mo	$129/mo	$438/mo
	Visit Worldpay	View details	View details	View details