Merchant services
Worldpay card machine review: fees, contract and alternatives.
Worldpay does not publish a card machine rate. Here is what its own quote tool shows, what the contract means and how to judge a quote.
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Worldpay does not publish a card machine rate. Here is what its own quote tool shows, what the contract means and how to judge a quote.
Published rates from every major UK card machine provider, plus the quoted rates that only come on request. You see them side by side, on your own takings.
The short answer
Worldpay does not publish a card machine rate: pricing is quote only. Its online quote tool shows indicative fees of £20 a month per terminal, a 4.5p authorisation fee, a £5 PCI DSS fee and a £15 minimum monthly service charge. Online applications have a minimum 18-month contract, no joining fee and next-day settlement. Read 26 October 2026.
Published prices read 26 October 2026 from each provider's own pricing page. Quote only means the provider gives rates on request; we obtain those for you.
| Provider | In-person card rate | Monthly fee | Card machine | Contract | Payouts |
|---|---|---|---|---|---|
| Worldpay Source | Quote only | Terminal £20 a month (indicative) | Rental, quote | Minimum 18 months | Next day |
| Dojo Source | 1.2% blended under £100k a year; custom above | £0 Essential; Plus £11.99 new customers (£25 list) | Go Max £149 or £25 a month; Pocket £239 or £20; Wired £179 or £15 | 30-day rolling or 12-month fixed (custom rate) | Next day |
| Paymentsense Source | 1.40% debit and credit (price tool); bespoke over £150k | Terminal £20 + VAT; minimum service charge £24.95 | Rental, £20 a month + VAT | Not published | 24 working hours |
| Barclaycard Source | Quote only (example 0.7% + 3p, representative) | £16 to £29 + VAT service fee | Smartpay Anywhere £29 + VAT | 12 to 18 months, or none for Anywhere | Next day |
| Tyl by NatWest Source | 1.39% + 5p personal cards (under £50k a year) | Machine hire from £13.99 + VAT | PAX A920 Pro £19.99, A50 £14.99, A80 £13.99 a month + VAT | 12 months | Next business day |
VAT is excluded where the provider states it. Rates are for in-person UK consumer cards unless stated. Our service is free to you. We may receive a fee from the provider you choose; it never changes the price you pay.
Tell us about your business. We compare the whole market, including the providers that only quote on request, and come back with the lowest total cost for your takings and the right machine. You keep a named account manager who looks after you after setup.
Our service is free to you. We may receive a fee from the provider you choose; it never changes the price you pay.
Worldpay sells on tailored pricing. Its small business page says it offers tailored custom pricing plans and variable pricing options. The pricing link sends you to an online quote tool, which shows a rate only after you enter your business details, and marks all figures as indicative. With no details entered, the transaction rate shows as zero, so there is no published rate to quote.
The quote tool does show the other charges by default. Each is explained in plain words below. All were read on 26 October 2026.
Worldpay's small business page states a minimum 18-month contract for online applications, and no joining fee. That is longer than many rivals. Dojo offers a 12-month fixed plan or a 30-day rolling plan on its custom tier. takepayments and Tyl by NatWest each state a 12-month contract. SumUp, Square and Zettle have no contract at all.
A longer contract is not bad in itself if the rate is good. The risk is being locked in if your takings grow and better rates appear elsewhere, or if your business changes. Before you sign, ask Worldpay three things in writing: the exact transaction rate for each card type, what it costs to leave early, and whether the terminal hire ends with the contract.
Worldpay states next-day settlement, which means takings reach your bank the next day, and its quote tool shows a settlement time of 24 hours. It offers 24/7 customer support. Terminal names, Tap to Pay and point of sale software were not published on the pages we read, so ask which Worldpay card reader you will be given.
Because Worldpay does not publish a rate, start with the fixed costs you know. The terminal at £20 and the PCI DSS fee at £5 come to £25 a month, or £450 over an 18-month contract, before you take a single payment.
Next add the authorisation fee. A café taking £5,000 a month in 500 payments of £10 pays 500 times 4.5p, which is £22.50 a month. So whatever rate you are quoted, add £47.50 a month in fixed and per-payment charges.
Now compare. Dojo's published 1.2% on £5,000 is £60 a month in fees, on its free Essential plan, plus a machine from £149 upfront. For Worldpay to match £60 a month, its transaction charge on £5,000 would need to be £12.50 or less, which is 0.25%. Each 0.1% on the rate adds £5 a month on £5,000 of sales.
Larger average sales change the picture. A shop taking £5,000 in 100 payments of £50 pays £4.50 in authorisation fees, so its fixed and per-payment charges drop to £29.50.
This review uses Worldpay's published pages and the default figures in its quote tool, read on 26 October 2026.
Do not judge Worldpay on the name alone. Ask for a written quote and compare it against providers that publish their rates.
The closest comparisons to Worldpay are other providers that rent terminals and serve established businesses. Figures read on 26 October 2026.
Ask each provider for the same thing: the rate for each card type, every monthly charge, the per-payment fee and the exit cost. Put those side by side with your Worldpay quote, using your own monthly takings and average sale, and the cheapest option is usually clear.
Worldpay quotes every business individually, so the rate you are offered depends on how your case is presented and what you are compared against. We compare the whole UK card machine market for your business, including providers that only quote in private. We take your real monthly takings, average sale and card mix to them and negotiate the rate on your behalf, so you are not comparing headline figures that do not fit your trade.
We then handle the switch for you, from the application to the timing of any exit from your current contract, so you are not left without a working card machine. You get a named account manager who stays with you after setup and checks your rate as your business grows. You pay us nothing for this. We may receive a fee from the provider you choose. Fill in the quote form to start.
Worldpay's quote tool shows a default of £20.00 per terminal per month, marked as indicative. Add a £5.00 PCI DSS fee, a 4.5p authorisation fee per payment and a £15.00 minimum monthly service charge. The transaction rate is quote only. Read 26 October 2026.
Worldpay does not publish its transaction rate. Its quote tool shows indicative charges of £20 a month per terminal, a 4.5p authorisation fee, a £5 PCI DSS fee, a £15 minimum monthly service charge and a £20 chargeback fee. The payment gateway is included.
Worldpay states a minimum 18-month contract for online applications, with no joining fee. Ask for the early exit cost in writing before you sign. Shorter options exist: Dojo offers 12-month or 30-day rolling plans on its custom tier.
Worldpay states next-day settlement, and its quote tool shows a settlement time of 24 hours. No payout fee is stated. Worldpay also offers 24/7 customer support if a payment is delayed.
It can be for steady, established businesses that get a strong tailored rate. For new or seasonal businesses, the 18-month minimum contract and about £25 a month in fixed charges make no-contract providers such as SumUp or Dojo's published 1.2% rate worth comparing first.
Yes. Worldpay states that its 24/7 customer support team can guide you through any payment challenges. The figures we recorded on 26 October 2026 do not include a support phone number or opening hours, so check how you would reach it before signing.
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