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Index · 2026 edition

The Buckingham Capital Consulting Payment Processing and Acquiring Index.

An independent annual ranking of the acquirers and processors that businesses use to accept card, wallet and local payments online and in person. 10 providers, six criteria, nothing paid for.

10Providers assessed
6Criteria, published
3Merchant types
26 October 2026Facts read
2026First edition

The ranking.

Scores out of 100. Each segment weights the criteria differently; the method is below. Facts read on 26 October 2026 from the providers' own pages.

Overall

The mean of the 3 segment scores.

Rank and providerScore /100StatusStrongest for
1. Stripe84Online payments platform and acquirerOnline businesses wanting full published pricing and self-serve sign-up in many countries
2. Adyen77Global acquirer and bankLarge merchants wanting local acquiring and many payment methods from one licensed bank
3. Mollie73Online and in-person payment providerUK and European small businesses wanting simple published rates and daily payouts
4. Razorpay73Payment gateway and aggregator (India)Businesses selling to customers in India through UPI, cards and netbanking
5. Airwallex71Payments and business account platformBusinesses wanting card acceptance with settlement into a multi-currency account
6. Nuvei67Global acquirer and payment processorMerchants in gaming, travel and high-volume sectors needing many local methods
7. PayPal Braintree61Payment processor and gatewayOnline merchants wanting card and PayPal acceptance with published UK rates
8. Checkout.com55Global acquirer and payment processorLarge online merchants needing local acquiring across many regions
9. SumUp52In-person and online payment providerSmall UK retailers and sole traders taking card payments in person
10. Worldpay33Merchant acquirerUK merchants wanting an established acquirer with next-day settlement

For small and mid-sized merchants

Weighted to published pricing and payout speed: a smaller business needs to know its card costs and to be paid quickly.

Rank and providerScore /100StatusStrongest for
1. Razorpay84Payment gateway and aggregator (India)Businesses selling to customers in India through UPI, cards and netbanking
2. Stripe82Online payments platform and acquirerOnline businesses wanting full published pricing and self-serve sign-up in many countries
3. Mollie81Online and in-person payment providerUK and European small businesses wanting simple published rates and daily payouts
4. SumUp70In-person and online payment providerSmall UK retailers and sole traders taking card payments in person
5. Adyen69Global acquirer and bankLarge merchants wanting local acquiring and many payment methods from one licensed bank
6. Airwallex66Payments and business account platformBusinesses wanting card acceptance with settlement into a multi-currency account
7. PayPal Braintree61Payment processor and gatewayOnline merchants wanting card and PayPal acceptance with published UK rates
8. Worldpay48Merchant acquirerUK merchants wanting an established acquirer with next-day settlement
9. Nuvei47Global acquirer and payment processorMerchants in gaming, travel and high-volume sectors needing many local methods
10. Checkout.com35Global acquirer and payment processorLarge online merchants needing local acquiring across many regions

For enterprise and cross-border merchants

Weighted to payment methods and merchant reach: a large merchant sells in many countries and needs local methods and local acquiring in each.

Rank and providerScore /100StatusStrongest for
1. Stripe85Online payments platform and acquirerOnline businesses wanting full published pricing and self-serve sign-up in many countries
2. Adyen83Global acquirer and bankLarge merchants wanting local acquiring and many payment methods from one licensed bank
3. Nuvei78Global acquirer and payment processorMerchants in gaming, travel and high-volume sectors needing many local methods
4. Airwallex74Payments and business account platformBusinesses wanting card acceptance with settlement into a multi-currency account
5. Mollie69Online and in-person payment providerUK and European small businesses wanting simple published rates and daily payouts
6. Razorpay69Payment gateway and aggregator (India)Businesses selling to customers in India through UPI, cards and netbanking
7. Checkout.com64Global acquirer and payment processorLarge online merchants needing local acquiring across many regions
8. PayPal Braintree61Payment processor and gatewayOnline merchants wanting card and PayPal acceptance with published UK rates
9. SumUp42In-person and online payment providerSmall UK retailers and sole traders taking card payments in person
10. Worldpay25Merchant acquirerUK merchants wanting an established acquirer with next-day settlement

For platforms and regulated firms

Weighted to regulatory standing and integration: a platform or regulated firm must show its regulator a licensed acquirer and connect through its own software.

Rank and providerScore /100StatusStrongest for
1. Stripe84Online payments platform and acquirerOnline businesses wanting full published pricing and self-serve sign-up in many countries
2. Adyen79Global acquirer and bankLarge merchants wanting local acquiring and many payment methods from one licensed bank
3. Nuvei76Global acquirer and payment processorMerchants in gaming, travel and high-volume sectors needing many local methods
4. Airwallex74Payments and business account platformBusinesses wanting card acceptance with settlement into a multi-currency account
5. Mollie70Online and in-person payment providerUK and European small businesses wanting simple published rates and daily payouts
6. Razorpay67Payment gateway and aggregator (India)Businesses selling to customers in India through UPI, cards and netbanking
7. Checkout.com65Global acquirer and payment processorLarge online merchants needing local acquiring across many regions
8. PayPal Braintree62Payment processor and gatewayOnline merchants wanting card and PayPal acceptance with published UK rates
9. SumUp45In-person and online payment providerSmall UK retailers and sole traders taking card payments in person
10. Worldpay25Merchant acquirerUK merchants wanting an established acquirer with next-day settlement

Scores by criterion.

Each criterion is scored 0 to 5 against the best published offer in this edition. 0 means not offered or not published.

ProviderPublished pricingPayment methodsMerchant reachPayout speedIntegrationRegulatory standing
Stripe545344
Adyen455234
Mollie533443
Razorpay451552
Airwallex544044
Nuvei055235
PayPal Braintree533043
Checkout.com035044
SumUp511522
Worldpay310420

How the index is scored.

6 criteria, scored only from what each provider publishes.

Published pricing

Exact card rates for domestic and international cards, and other fees such as disputes and currency conversion, on a pricing page. "From", "starting at" and promotional rates do not count.

Payment methods

The published number of payment methods (cards, wallets, bank transfers and local methods such as UPI or iDEAL) and currencies a business can accept.

Merchant reach

The published countries where the provider acquires locally (processes card payments through its own licence in that country) or where a business can open an account.

Payout speed

How quickly the money from a sale reaches the business's bank account, and whether the business can choose its payout schedule.

Integration

An API (a connection the business's own systems use to take payments) with SDKs (ready-made code for websites and apps), a test environment, no-code tools such as payment links or shop plugins, and self-serve sign-up.

Regulatory standing

The licences the provider publishes, with the regulator and licence number, and PCI DSS Level 1 (the highest level of the card industry's security standard for firms that handle card data).

Weights by segment

CriterionSmall and mid-sized merchantsEnterprise and cross-border merchantsPlatforms and regulated firms
Published pricing301010
Payment methods102515
Merchant reach52520
Payout speed251010
Integration201520
Regulatory standing101525

What each score means

Criterion530
Published pricingExact rates for domestic and international cards plus dispute and conversion fees on a pricing pageSome exact fees published, or an indicative quote toolNot published, or "from" prices only
Payment methods100 or more payment methods and 100 or more currencies published30 or more payment methods, or 30 or more currencies, publishedNot published
Merchant reach40 or more countries of local acquiring or sign-up published10 to 39 countries published, or a named region such as the EEANot published
Payout speedNext-day or faster payout published, with a choice of scheduleA stated payout time for some casesNot published
IntegrationAPI, SDKs, test environment, no-code tools and self-serve sign-upAPI with one other optionNot published
Regulatory standingLicences with numbers in five or more regions and PCI DSS Level 1One licence number with PCI DSS Level 1, or several licences without numbersNot published

Score out of 100 is the sum of each criterion score divided by five and multiplied by its weight. The overall ranking is the mean of the segment scores. Ties are broken by merchant reach, then regulatory standing. A provider that does not publish a price is scored as though the price were high, because a business cannot plan on an unpublished price. Prices are scored on the standard published rate, never an introductory, promotional or "from" rate, and a figure counts only when it appears on a pricing, fee or terms page rather than in a marketing line. A provider that serves one country only is scored on access for that country, and the limitation is printed in its profile.

Provider profiles.

What each provider publishes, criterion by criterion, with the date read and the source.

Stripe

An online payments platform that businesses in 51 countries and regions can sign up to directly. It publishes a complete UK price list, 125+ payment methods, PCI DSS Level 1 and its UK and US licences. Standard settlement is three business days in some countries, and licence numbers are shown for the UK only.

PricingUK standard: "1.5% + 20p for standard UK cards", "2.8% + 20p for premium UK cards", "2.5% + 20p for European Economic Area cards", "3.15% + 20p for international cards", "+ 2% if currency conversion is required". Bank debits 1%, minimum 20p, £4.00 cap. Dispute received fee £20.00. "No setup fees, monthly fees, or hidden fees."
Payment methods"Increase customer acquisition with 100+ payment methods"; product menu: "Access to 125+" payment methods. No currency count on the pages read.
Merchant reachGlobal page lists 51 countries and regions where Stripe is supported, including India and Indonesia in preview and five countries on an extended network.
Payout speedDocs: first payout "typically" within 7 to 14 days; with T+3 standard settlement (three business days after payment), a daily automatic schedule pays funds "captured 3 business days earlier"; schedule chosen in the Dashboard.
IntegrationAPI reference, libraries and SDKs, prebuilt checkout and Payment Links; "Create an account and start accepting payments", "no contracts or banking details required".
Regulatory standing"Stripe Payments UK, Limited, an electronic money institution authorised by the Financial Conduct Authority (firm reference number: 900461)". US money transmitter licences listed by state and regulator. "certified us to PCI Service Provider Level 1".
Date readRead 26 October 2026
  • Published pricing: 5/5. Exact rates for domestic, premium, EEA and international cards plus conversion and dispute fees published.
  • Payment methods: 4/5. 125+ payment methods published; no currency count on the pages read.
  • Merchant reach: 5/5. 51 countries and regions published.
  • Payout speed: 3/5. Daily payout schedule published, with T+3 settlement in some countries and a 7 to 14 day first payout.
  • Integration: 4/5. API, SDKs, no-code links and self-serve sign-up; no test environment confirmed on the pages read.
  • Regulatory standing: 4/5. UK licence number, US state licence list and PCI DSS Level 1 published; other regions' numbers not on the pages read.

Facts read on 26 October 2026 from: stripe.com, stripe.com, docs.stripe.com, docs.stripe.com, stripe.com.

Adyen

A global payments platform and licensed bank that acquires card payments itself. It publishes the widest method and currency coverage in this edition, a per-transaction fee with interchange plus plus card pricing, and licence pages for ten regions, including banking licences in the EEA and the US. It does not publish payout times, and licence numbers are mostly not shown.

Pricing"For each transaction, we charge a fixed processing fee + a fee determined by the payment method." Processing fee $0.13; cards "Interchange+ + 0.60%". "No setup fee"; "no setup or monthly fees".
Payment methodsHomepage: "150+" currencies and "200+" local payment methods.
Merchant reachLicence pages for Australia, Canada, EMEA, India, the United States, Malaysia, Singapore, New Zealand, Hong Kong and Japan; banking licence passported to "all EEA countries".
Payout speed"Flexible payouts: Choose when and in which currency you want to settle." No payout times published.
Integration"One API that supports multiple use cases and channels"; sales contact to start. No self-serve sign-up or test environment on the pages read.
Regulatory standing"Adyen N.V. is authorised as a credit Institution under the supervision of Dutch Central Bank"; UK branch with Part 4A permission supervised by the PRA and FCA; US federal branch "licensed by the Office of the Comptroller of the Currency and the Federal Reserve Board"; MAS Major Payments Institution; CBUAE licence number 08.01.02.035.
Date readRead 26 October 2026
  • Published pricing: 4/5. Processing fee and card margin over interchange plus plus published; card cost depends on interchange.
  • Payment methods: 5/5. 150+ currencies and 200+ local payment methods published.
  • Merchant reach: 5/5. Licences in ten regions plus EEA passporting published.
  • Payout speed: 2/5. Choice of payout timing and currency stated without times.
  • Integration: 3/5. Single API published; no self-serve sign-up or test environment on the pages read.
  • Regulatory standing: 4/5. Banking licences in the EEA, UK and US and payment licences elsewhere; few licence numbers and PCI DSS not stated on the pages read.

Facts read on 26 October 2026 from: www.adyen.com, www.adyen.com, www.adyen.com, www.adyen.com, www.adyen.com, www.adyen.com.

Mollie

A Dutch payment provider for small and mid-sized businesses in Europe and the UK. It publishes exact card rates by card type, payout fees and daily payouts at no extra charge, with UK and Dutch licence numbers. Its reach is limited to Europe and the UK, and PCI DSS is not stated on the pages read.

PricingVisa and Mastercard: UK domestic consumer cards "1.20% + £0.20"; UK commercial and European cards "2.90% + £0.20"; all other cards "3.25% + £0.20". American Express UK 2.50% + £0.20, other 2.60% + £0.20. Bacs Direct Debit 0.90% + £0.20. Additional payouts £0.25; payouts in another currency 1% of payout amount.
Payment methods"35+ payment methods, 30+ currencies, online and in-person"; payouts in the primary currency plus "up to 11 additional currencies".
Merchant reachServes businesses "across Europe and the UK"; DNB e-money licence and UK payment institution licence. No country count published.
Payout speed"With Mollie, you decide when we send your payout. We don't charge extra fees for daily payouts"; schedule options include every business day.
IntegrationAPI documentation and guides, shop plugins, an MCP server for AI agents, online sign-up.
Regulatory standing"Mollie UK Ltd is licensed and registered with the Financial Conduct Authority as a payment institution in the UK (FRN: 977968) and Mollie B.V. is licensed and registered as an electronic money institution with the Dutch Central Bank (relationship number: F0038)."
Date readRead 26 October 2026
  • Published pricing: 5/5. Exact rates by card type and origin, direct debit and payout fees published.
  • Payment methods: 3/5. 35+ payment methods and 30+ currencies published.
  • Merchant reach: 3/5. Europe and the UK named; no country count.
  • Payout speed: 4/5. Daily payouts at no extra fee and a choice of schedule; arrival time not stated.
  • Integration: 4/5. API, plugins and self-serve sign-up; no test environment confirmed on the pages read.
  • Regulatory standing: 3/5. Two licences with numbers; PCI DSS not stated on the pages read.

Facts read on 26 October 2026 from: www.mollie.com, www.mollie.com, www.mollie.com.

Razorpay

An Indian payment gateway and RBI-authorised payment aggregator. It publishes one standard rate, 100+ payment methods, next-day or instant settlement and no-code tools. It serves India only, and the RBI authorisation is stated without a reference number.

PricingStandard plan "2%" per transaction plus GST; "Platform fee 2.15% + GST" for some methods; first 90 days at "0% fee (down from 2%)" (promotional); "Maintenance: ₹0"; "Integration Support: ₹0".
Payment methods"100+ Payment Methods"; "accept payments in over 100 currencies"; cards, netbanking, UPI and wallets.
Merchant reach"A comprehensive payments suite in India"; accepts cards, bank transfers and Apple Pay "from 180+ countries". Serves India only.
Payout speedFunds settled to the bank account "according to your settlement cycle (typically T+1 or Instant)"; Instant Settlements priced as an optional extra.
IntegrationAPIs with a playground, website and app plugins, no-code Payment Links and Payment Pages, online sign-up.
Regulatory standing"Razorpay Payments Private Limited is an RBI Authorised Payment Aggregator." No reference number or PCI DSS level on the pages read.
Date readRead 26 October 2026
  • Published pricing: 4/5. Standard rate and platform fee published; no separate international card rate on the pages read.
  • Payment methods: 5/5. 100+ payment methods and 100+ currencies published.
  • Merchant reach: 1/5. India only; scored on access for that country.
  • Payout speed: 5/5. T+1 or instant settlement published, with instant as a priced option.
  • Integration: 5/5. APIs with a test playground, plugins, no-code tools and self-serve sign-up.
  • Regulatory standing: 2/5. RBI authorisation stated without a number; PCI DSS not stated on the pages read.

Facts read on 26 October 2026 from: razorpay.com, razorpay.com.

Airwallex

A business account and payments platform that also accepts card and local payments. It publishes exact card rates by card origin, 160+ local payment methods and a long licence list with numbers. It does not publish payout times for card sales, and its PCI DSS level is not stated.

Pricing"1.30% + £0.20 for UK cards", "2.40% + £0.20 for EEA cards", international cards "3.15% + £0.20", Amex 2.40% + £0.20, UnionPay 3.15% + £0.20; local payment methods "£0.20 plus payment method fees"; subscription management 0.50% per successful transaction.
Payment methodsVisa, Mastercard, American Express, Apple Pay and Google Pay; "WeChat Pay, GrabPay and 160+ other methods"; "Like-for-like settlement in 20+ currencies".
Merchant reachRegional sites for 18 markets including Europe, the UK, the US, Australia, Singapore, Hong Kong, Japan and Malaysia; registered as a merchant acquirer in Malaysia and authorised for acquiring in Brazil (licence page).
Payout speedNot published for card sales on the pages read.
Integration"Custom website checkout via components, APIs, and SDKs", eCommerce plugin integrations, no-code payment links, free one-month trial.
Regulatory standingFCA EMI licence number 900876; Bank of Lithuania EMI licence no. 88; MAS Major Payment Institution PS20200541; ASIC AFSL 487221; HKMA SVF0009; US money transmitter licences. "Airwallex meets the highest international security standards including PCI DSS, SOC1, and SOC2" (level not stated).
Date readRead 26 October 2026
  • Published pricing: 5/5. Exact rates for UK, EEA, international, Amex and UnionPay cards and local methods published.
  • Payment methods: 4/5. 160+ local payment methods and settlement in 20+ currencies published.
  • Merchant reach: 4/5. Regional sites in 18 markets including Europe, with acquiring licences named.
  • Payout speed: 0/5. Not published for card sales on the pages read.
  • Integration: 4/5. APIs, SDKs, plugins, payment links and a self-serve trial; no test environment confirmed on the pages read.
  • Regulatory standing: 4/5. Licences with numbers in more than five regions; PCI DSS stated without its level.

Facts read on 26 October 2026 from: www.airwallex.com, www.airwallex.com, help.airwallex.com.

Nuvei

A global acquirer and processor with local acquiring in 53 markets. It publishes the largest method count in this edition, the most complete licence list with numbers and PCI DSS Level 1 since 2007. It does not publish prices or payout times.

PricingNot published on the pages read.
Payment methods"720+ Payment methods accepted worldwide"; "150+ Currencies supporting global pricing and settlement".
Merchant reach"License extends Nuvei's global acquiring footprint to 53 markets"; "200+ Markets connected through a global payments network".
Payout speed"Rapid merchant funding accelerates settlement and payment." No payout times published.
IntegrationDeveloper tools, API reference docs and a documentation centre; "single API" for crypto conversion. No self-serve sign-up on the pages read.
Regulatory standingNuvei Financial Services Limited, FCA firm registration number 994233; Nuvei Global Services B.V., DNB licence F0005; Nuvei Limited, Central Bank of Cyprus licence 115.1.3.9/2018; Nuvei UAB, Bank of Lithuania licence 54; Nuvei Singapore PS20200576; Nuvei US, LLC, NMLS ID 1760584, licences in 39 US jurisdictions. "Payment Card Industry Data Security Standard Level 1 certified since 2007."
Date readRead 26 October 2026
  • Published pricing: 0/5. Not published on the pages read.
  • Payment methods: 5/5. 720+ payment methods and 150+ currencies published.
  • Merchant reach: 5/5. Local acquiring in 53 markets published.
  • Payout speed: 2/5. Faster funding stated without payout times.
  • Integration: 3/5. API reference and documentation; no SDK, test environment or self-serve sign-up confirmed.
  • Regulatory standing: 5/5. Licences with numbers in six regions and PCI DSS Level 1 published.

Facts read on 26 October 2026 from: www.nuvei.com, www.nuvei.com.

PayPal Braintree

PayPal's payment platform for card, wallet and PayPal payments, now also called PayPal Enterprise Payments. It publishes a full UK fee table, a sandbox and PCI DSS Level 1. It does not publish payout times, a payment method count or the countries where a business can open an account.

PricingUK fee table (last updated 29 June 2026): cards and digital wallets "1.9% + 0.20 GBP"; American Express "2.4% + 0.20 GBP"; card issued outside the UK "Additional 1% fee"; scheme currency settlement "Additional 1.5% fee"; chargebacks 20.00 GBP; Chargeback Protection 0.59%.
Payment methods"payouts to 200+ markets in 50+ currencies"; cards, digital wallets and PayPal. No payment method count.
Merchant reach"200+ markets around the globe" for payments; UK fee table applies to the UK, Guernsey, Jersey and the Isle of Man. Countries where a business can open an account not listed.
Payout speedNot published on the pages read.
IntegrationDeveloper docs; "Try our platform in the Sandbox before applying"; ready-built payment interfaces; online sign-up subject to approval.
Regulatory standing"PayPal UK Ltd is authorised and regulated by the Financial Conduct Authority (FCA) as an electronic money institution (firm reference number 994790)". "PayPal Braintree is a validated Level 1 PCI DSS compliant service provider."
Date readRead 26 October 2026
  • Published pricing: 5/5. Exact card, Amex, cross-border, conversion and chargeback fees published.
  • Payment methods: 3/5. 50+ payout currencies published; no payment method count.
  • Merchant reach: 3/5. 200+ markets stated for payments; merchant sign-up countries not listed.
  • Payout speed: 0/5. Not published on the pages read.
  • Integration: 4/5. Sandbox, developer docs and ready-built interfaces; no-code tools not confirmed.
  • Regulatory standing: 3/5. One licence number with PCI DSS Level 1 published.

Facts read on 26 October 2026 from: www.braintreepayments.com, www.braintreepayments.com.

Checkout.com

A global acquirer and processor for large online merchants, with local acquiring in over 50 countries. It publishes a full licence list with numbers in nine regions, a unified API with a test account and wide currency support. It does not publish prices, payout times or a payment method count.

Pricing"Your business deserves tailored pricing based on your needs"; structures described as "Fully flat-rate" or "Simple interchange++ fees". No rates published.
Payment methods"Process worldwide in 150+ currencies"; supports "all the major card schemes" plus direct debit, vouchers, digital wallets and bank transfers. No method count.
Merchant reach"local acquiring capabilities in over 50 countries across Europe, North America, the Middle East and Asia-Pacific"; pricing page: "domestic coverage in 45+ countries".
Payout speedNot published on the pages read.
Integration"Unified Payments API", API reference, test account, integrations with "all major shopping carts". No self-serve sign-up; "Get in touch" to start.
Regulatory standingCheckout Ltd, FCA EMI number 900816; Checkout SAS, ACPR EMI number 17208, passported across the EEA; MAS PS20200469; AUSTRAC IND100621360-001; HK MSO 20-06-02975; NZ FSP1000838; METI Kanto (ku) No. 162; CBUAE 08.01.02.008.2023.02; Checkout US, Inc. NMLS 1791692.
Date readRead 26 October 2026
  • Published pricing: 0/5. Pricing structures described; no rates published.
  • Payment methods: 3/5. 150+ currencies published; no payment method count.
  • Merchant reach: 5/5. Local acquiring in over 50 countries published.
  • Payout speed: 0/5. Not published on the pages read.
  • Integration: 4/5. API, test account and shopping cart integrations; no self-serve sign-up.
  • Regulatory standing: 4/5. Licences with numbers in nine regions; PCI DSS not stated on the pages read.

Facts read on 26 October 2026 from: www.checkout.com, www.checkout.com, www.checkout.com.

SumUp

A payment provider for small businesses taking card payments in person and online. It publishes simple flat rates, a monthly plan and the fastest stated payout in this edition. It does not publish a payment method count, its other markets, API terms or PCI DSS on the pages read.

PricingPay-as-you-go: "0.00% for in-person payments made with a SumUp card", 1.69% for all other in-person payments, including American Express, "2.5% for online payments", £0/month. Payments Plus: 0.99% transaction fee at £19/month or £189/year.
Payment methodsCard readers, Tap to Pay on a phone and Payment Links. No payment method or currency count on the pages read.
Merchant reachUK pages read; other markets not counted on the pages read.
Payout speedMoney is available in the free SumUp Business Account "by 7am the next day", including weekends and public holidays.
IntegrationApp with point-of-sale features, Payment Links and invoicing, online purchase of card readers. No API documentation on the pages read.
Regulatory standing"SumUp Payments Limited is authorised by the Financial Conduct Authority in the UK under the Electronic Money Regulations 2011 (register number 900700)".
Date readRead 26 October 2026
  • Published pricing: 5/5. Exact in-person, online and plan rates published.
  • Payment methods: 1/5. Card, phone and link payments named; no counts.
  • Merchant reach: 1/5. UK only on the pages read; scored on access for that country.
  • Payout speed: 5/5. Next-morning payout every day published.
  • Integration: 2/5. No-code links and app; no API published on the pages read.
  • Regulatory standing: 2/5. One licence number published; PCI DSS not stated on the pages read.

Facts read on 26 October 2026 from: www.sumup.com, www.sumup.com.

Worldpay

One of the largest merchant acquirers in the UK, serving shops and online merchants. It publishes fixed charges and a stated 24-hour settlement time in its indicative quote, but card percentages appear only after a business enters its details. The pages read do not publish its licences, PCI DSS level, payment method count or reach.

PricingIndicative quote tool: authorisation fee 4.5p; chargeback fee £20.00; point-of-sale terminal £20.00 per terminal per month; PCI DSS service fee £5.00; minimum monthly service charge £15.00. Card percentages shown only after entering turnover and industry; "Pricing shown above is indicative only".
Payment methodsPayment brands in the quote: Visa, Mastercard and American Express. No method or currency count on the pages read.
Merchant reachNot published on the pages read.
Payout speedQuote summary: "Settlement time 24 hours".
IntegrationHomepage refers to building on "Worldpay APIs". No SDK, test environment or self-serve sign-up on the pages read.
Regulatory standingNot published on the pages read.
Date readRead 26 October 2026
  • Published pricing: 3/5. Fixed fees published in an indicative quote tool; card percentages not published.
  • Payment methods: 1/5. Three card brands named; no counts.
  • Merchant reach: 0/5. Not published on the pages read.
  • Payout speed: 4/5. 24-hour settlement stated in the indicative quote.
  • Integration: 2/5. APIs referred to; no other options published on the pages read.
  • Regulatory standing: 0/5. Not published on the pages read.

Facts read on 26 October 2026 from: www.worldpay.com, www.worldpay.com.

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Questions.

Who pays for the Buckingham Capital Consulting Payment Processing and Acquiring Index?

Nobody. No provider pays to be assessed, listed or ranked.

What is the difference between an acquirer and a processor?

An acquirer is the licensed firm that receives card payments on a merchant's behalf from the card schemes and pays the money to the merchant. A processor runs the technology that sends the payment through. Many providers in this index do both.

What is interchange plus plus pricing?

It is a price in three parts: the interchange fee set by the card schemes and paid to the card issuer, the scheme fee paid to Visa or Mastercard, and the provider's own margin. Only the third part is set by the provider, so the index counts it as published pricing when that margin is stated.

Why does payout speed matter?

A business pays its staff and suppliers from the money it collects. A provider that pays out the next day leaves less cash tied up than one that pays three or more business days later.

What is PCI DSS Level 1?

PCI DSS is the security standard set by the card industry for any firm that stores, processes or sends card data. Level 1 is the highest level and requires an annual audit by an approved assessor.

Is this advice?

No. The index compares published facts and is not a recommendation to use a particular provider.

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