Worldpay
- In-person rate
- Get quote
- Online rate
- Get quote
- Monthly fee
- Get quote
- Hardware cost
- Get quote
- Contract length
- Not stated
- Settlement time
- Not stated
- Est. monthly cost
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Worldpay
Established US payment processor with an all-in-one Commerce360 POS platform, AI-assisted chargeback defense, and an open-source MCP server.
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.
- In-person rate
- Get quote
- Online rate
- Get quote
- Monthly fee
- Get quote
- Contract
- Not stated
Pricing breakdown
All prices in USDSourced from provider's published pricing
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.
How Worldpay compares
All prices in USDSourced from provider's published pricing
Side-by-side with the closest alternatives by estimated cost.
Assumes $15,000/mo volume, $50 average transaction, 70% in-person and 30% online.
Square
$451.50/mo est.
- In-person rate
- 2.6% + 10c
- Online rate
- 2.9% + 30c
- Monthly fee
- Free
- Hardware cost
- Free reader; Reader $59, Terminal $299, Register $799
- Contract length
- Month-to-month
- Settlement time
- Next business day
- Est. monthly cost
- $451.50/mo
Stripe
$451.50/mo est.
- In-person rate
- 2.7% + 5c
- Online rate
- 2.9% + 30c
- Monthly fee
- Free
- Hardware cost
- Reader M2 $59, WisePOS E $249, Reader S700 $349
- Contract length
- No contract
- Settlement time
- Standard payouts
- Est. monthly cost
- $451.50/mo
Clover
$510.50/mo est.
- In-person rate
- 2.6% + 10c
- Online rate
- 3.5% + 10c
- Monthly fee
- From $0-135/mo
- Hardware cost
- Go ~$49-199, Flex ~$599-749, Mini ~$799-849, Station ~$1,499+
- Contract length
- Varies by reseller
- Settlement time
- Next business day
- Est. monthly cost
- $510.50/mo
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
Accepted payment methods
Cards, wallets, and other methods supported by Worldpay for US merchants.
Cards
- Visa
- Mastercard
- AMEX
Digital wallets
- Apple Pay
- Google Pay
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.
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