WorldPay Reviews
WorldPay Overview
Formerly known as “RBS WorldPay” and “Streamline,” WorldPay is a large direct credit card processor headquartered in the UK. Following a stint as a subsidiary of Royal Bank of Scotland from 2002 to 2010, WorldPay is now an independent, publicly traded company on the London Stock Exchange. The company processed 6.3 billion transactions worth $195 billion in the first half of 2015 and has made several significant acquisitions in the past few years, including U.S.-based merchant account providers Century Payments and SecureNet. WorldPay is capable of serving businesses both in the U.S. and abroad, but most of its customer base is located in the United Kingdom.
WorldPay’s status as a direct processor affords it the ability to cater to nearly any size or type of business, and the company’s products include credit card terminals, mobile phone processing, a virtual terminal, recurring payments, online shopping carts, automated invoicing, gift cards, merchant cash advance, QuickBooks integration, chargeback monitoring, international payment processing, and some high risk merchant accounts. The company’s online high risk expertise includes airlines, digital goods, gambling, gaming, and travel. WorldPay’s standard contract is a three-year agreement with an early termination penalty of up to $495.
WorldPay offers phone and email support to all of its merchants, with dedicated lines for U.S. and UK users. The company has been known to actively address complainants in public forums, but it’s hard to find any instances in which the complainant verifiably received a satisfactory resolution to his or her issue. The company employs over 4,500 people, with Philip Jansen serving as its CEO.
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Online reputation and reviews
As a huge payment processor, WorldPay has attracted hundreds of merchant reviews across various forums and blogs. These reviews are overwhelmingly negative in tone, citing huge cancellation penalties, undesirable leasing terms, misrepresentation by sales agents, unreachable customer service, and withheld funds. WorldPay has made attempts to respond to a number of these public complaints, but it’s hard to tell whether any of the complainants receive a satisfactory resolution. WorldPay’s reputation among merchants appears to be similar to that of any large credit card processor: standard pricing and slow customer service, but a large number of business tools for medium-size and large businesses.
Legal actions and lawsuits
There are no outstanding or recently resolved legal actions related to WorldPay at this time.
Have you used WorldPay for your business? Rate the company at the top of this post and tell us about your experience in the comment section below:

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Recent User Reviews
Wordlpay are the Biggest crooks EVER!! NEVER use this company!! Terrible customer service & multiple dishonest charges!!!
BEWARE of Vantiv / Worldpay
Sneaky fine print with auto renew contracts. We were never notified either about this said auto renewal date.
We stopped using their merchant processing (we found a better deal with “Alternative Payments”) but they were still charging us $120 per month for nothing.
We called to cancel today and they said we’re in an agreement and it will be a $495 termination fee or we can keep paying $120 per month until the end of our agreement.
Watch out for merchant sharks like this. There are better companies out there that allow you to keep more of your hard earned money.
I am not a customer of worldpay. Rather they are the payment processors of an organisation I wanted to pay online. I was and am still thoroughly disappointed.
I made online visitors visa application on the UK Visas & Immigration website for two of my siblings to spend their holidays with me. The application form is lengthy and up to 13 pages or so. At the end of the form, there is worldpay portal to pay $153.00 for the 6 months visa application. Each time I click on it, i get a message “Access denied”! I initially thought it was a minor issue and it maybe because it was a Sunday. However, i have been trying this a whole week and the response has not changed. Without payment, the application cannot proceed further. The Visa & Immigration office has not provided alternative ways. I have been frustrated trying to speak to immigration office. I don’t know why worldpay is frustrating me. Honestly,i don’t know them, have never used them until this encounter. Please I need explanation.
I am very frustrated at being unable to close our account. We go around in circles. It should be a simple process. Setting up was easy and it worked for years very well, but now I need to close the account I feel like I’m getting the run around. Spent hours and yet still being charged for a service we aren’t using and have not been using for over five months. Grrr
This company flat out lied to us with the processing fees they said would be taken out of the transactions & now continues to take money from our business after we canceled the services ??
Difficulty speaking to the right department
Costly charges
I did the compliance on the phone
I’m still getting extra charges
Appalling service from due diligence team, over an hou on hold to get through followed by operatives with pretty poor Englishbskills asking me to repeatedly provide documents which already been provided both by email and on dashboard for company verification process. Three weeks without receiving our money now and now cut off our ability to take card payments. They currently have 26k of our money that they are not handing over, which for a financial organisation is highly inappropriate. They seem to have a due diligence process in disarray and are not paying people their money. Avoid Worldpay at all costs if they can do this to us after 8 years then nobody is safe. Don’t respond or reply to phone calls or emails, due diligence team say they will pass information on and complaints department say they will take 15 days to investigate your complaint about their rank incompetence
They closed our merchant account on 28Jun2023 and also confirmed that no further account monthly fees will be debited from our bank account as also confirmed from their complaint team on mail. But on 19Aug they misused direct debit facility and debited monthly dashboard fee for Jul 2023. When the account is closed why still charging monthly fees. Next they are withholding almost GBP 2000 for our collected payment since 27Apr2023 and as per their confirmation on mail this is to be released after chargeback period of 120 days, which also completed on 25Aug but neither they have credited the funds to our bank account nor responding to our mails. The contact numbers listed by them is another fraud they are doing by charging excessively high call rates even for incoming calls which is always to be free. It’s a caution to all merchants to stop doing business thru this company else u will regret about ur decision. Also the reviews listed in favor of them are mostly fake so don’t trust them. They are cheats and unreliable. Must be termed as dacoits. And there complaint shud be made to the PM of UK to cease this company and recover funds from the employees assets too who are supporting this financial fraud.
Worst payment processor ever. Want me to pay $495 to cancel something that I cancelled months ago and they continued to charge me for. When I called to cancel again said I needed to give 30 days notice to cancel but could not do that due to the fact I haven’t used the processor in a while. Scam scam scam just trying to make money off of you even though they continued to charge me after I cancelled.
Worldpay stole my money. I closed the account and Worldpay kept robbing me of fees they didn’t earn.
I have dealt with worldpay for a decade, and they have now decided to hold on to £30k of my business funds until they verify my account that they have been dealing with for a decade!!!! Been on the phone non stop to them, and yet nobody can authorise my account and give me no reason why not !!! There is a real chance my business will go under with these thieves stealing my hard earned money, and it’s happening all over the country, yet nobody does anything!!!! They have even been on watchdog due to them holding on to money that’s due to small businesses!!!
If you want your business to survive DO NOT ISE WORLDPAY!!!
This company could be the subject of a truly fascinating and bizarre documentary on horrendous predatory business practices. I hope they all go to prison someday.
True things that have happened in my ongoing 6 month-long saga to close my nonprofit’s account with them (which has still not happened—they are still charging monthly fees):
-4 times customer service pretended they couldn’t hear me/the line was breaking up when I told them I wanted to cancel the account. When I told them to stop because someone had already tried that with me and I was documenting the call…they miraculously could hear me again.
-I called support at least 24 times trying to get information. They “accidentally” hung up on me at least 10 times “transferring” the call.
-12 times I provided my email and phone number to have someone followup since they said they didn’t have it on the account. No surprise, but one ever called or emailed.
-one of the customer support numbers their account team provided is just a recording saying you’ve just won a prize and asks you to divulge personal information to move forward
-when I asked for a copy of our contract and terms—they said that was sensitive account information that they were not at liberty to disclose.
-when I received written confirmation that the account was permanently closed and asked why they were still charging $100 per month—surprise, surprise they said that was sensitive account information that they were not at liberty to disclose 😂
-at different times different email signatures/account fees from this company have been under: Worldpay, Vantiv, FIS Global and Element Express. No one will tell you that they are all the same company unless you do some sleuthing.
I would recommend documenting every single interaction you have with this company, filing a complaint with the consumer financial protection bureau and calling your local representative. There is no way to hold this company responsible. It has been a nightmare for me!
I was issued a card reader on the Thursday, I was taking my first deposit over the weekend £13,000. I called Worldpay to see if I need to pre approve it as it’s a large payment, they said no and take the payment and it will be in your account on Mon/Tues.
Worldpay called me on Monday saying “my business model is outside their risk appetite “, and they would be keeping the £13,000 for a 120 days.
Absolute con men , it wasn’t outside their business appetite when they gave me the machine or when they said take the payment.
Do not use this company
Case Ref No PO2000444895
Dear Sir /Madam,
I would like to make a serious complaint regarding my account verification case handler.
He or She is not responding me about my account suspensions and stopping my payment processing since last three weeks. After making hundreds of calls and spoke to different customer services representatives, ( Jade , Lila, Norman, Mgr. Nita, vans, Embro and Cristine) no one has the information about who is dealing this case and didn’t have their contact no to speak with.
I am running a small business and have limited cash flow and my credit card payments have been stopped since last 21st of Nov22. I have no cash to pay salaries, bills and purchasing goods invoices .
This will leads to put my company in under administration. Please take action against the long delays and poor progress on this sensitive issue against the case handler and customer service team who were telling me same stories that, case has been forwarded to case handler since 2nd of Dec and giving me limited information’s about the case and manager or supervisors were not making any progress on that, asking me to wait.
Last person I spoke to was Supervisor Cristine who promise me that my money will be released by account department on Monday 19th Of Dec.
Kindly look into this delaying and poor responses, which causing me to go under administration or shutting down my company soon.
If that happened, I will take legal action against WorldPay and claim for company losses and compensation.
Waiting for your earlier respond.
Regards
Faraz Mirza
Merchant no 11414855
Al Shaheer halal foods pvt Ltd
Mobile no 07887766313
Very unethical marketing practices. These people flat out lie about the purpose of their call.
Don’t trust or believe a thing the are saying and do not provide them any confidential info.
The customer service department is the worst. They are all foreigners that don’t speak english very well and they don’t understand it as well. I’ve got over 20 calls trying to get something handled and still haven’t found anyone to help. I am beyond frustrated. I wish I didn’t have Cryptopay and have to be locked into using them!! ARGH!
Dealing with this company is like sitting on hold with the IRS, while in the waiting room at the DMV after immediately coming from having oral surgery at the dentist. Horrible customer service, no one ever answers the phone and if they do be prepared to repeat the same info to 4 people before being offered no answer or resolution to your problem. If this review helps ONE person stay away from this company, I will have made the world a better place.
I have never used World Pay. Over 4 years ago I had a short relationship with Vantiv who was bought out by WorldPay. 4 years later my bank charged me over $1,000 in 3 ACH charges. Like every story on this page, I have called and called, got the local rep involved and put in 3 claims. Nothing came of it. World Pay says my account has been closed for over 4 years and there are no charges. Yet my bank and the local rep say the charges came from WorldPay.
If there is an attorney out there who implements a class action lawsuit, please include me.
Someone on this page said BBB was next … that is where I am going next …
Has anyone taken them to small claims? I was online looking to see if they are registered in CA for just that reason when I came across the site …
Company will charge you thousands of dollars in processing fees per month. It’s like paying off a mortgage. Also very hard to terminate.
Worst company to work with , they are holding my money over a month because of an issue on their side ! nothing my fault .Coustemer service will be keep playing with you i am transferring you to other department and so many people you will have to talk with give all your info adress account number what is the issue ….. we are keep calling them almost everyday for over a month talking and wasting minimum 4 hours on the phone like we have nothing to do.. Stay a way from vantiv world pay worst company ever. they will give you all the hard time possible no solution. Give us our money back !!!!!
Worldpay service center is so poorly staffed and resolving a complaint is apparently an impossible task. We had issue with a bank withdraw by Worldpay for a shipment of their credit card processor. They wanted us to pay for shipping a credit card processor that was to replace an original one that never worked. It has been three months and the issue has not been resolved. 12 + hours of holding, being transferred, hung up on, told credit was coming and never did. It makes my stomach turn to know this company operates in 40 plus countries. We are in the process of transferring credit card companies. Once we transfer our business I may actually throw a party.
A company that rips you off, I am a struggling small business and even though had given notice got charged and even though have not been operating for over a year they have slapped another fee fir compliance without even clarifying. Do not trust them . I need to complain about them, does anybody know who I can contact and take this further. People need to know.
I wanted to cancel it because for around 6 months my business was shut due to law( lock-down), i was charged £45 a month. then you pay 1 months extra to cancel it and send the terminal back, they find reasons to change you extra when cancelling such as £376+vat for the terminal. (I use POS system from square now, with cheaper rates and NO monthly fees)
Stay far away from this company. Their customer service is horrible. I’ve been without a terminal due to *tamper* issue caused by power outage for over 2 weeks now. Pretty hard to do business without a POS terminal. You just get transferred around their service department and never get a real answer. Hold times at all times of the day are usually a hour, and that’s if you don’t just get disconnected. Once you finally get to the deployment department, it goes straight to voicemail and they don’t call you back; ever! Crappy company, with under-trained workers.
They add new fees and then lie about the composition of those fees.
They lie when you renew, lie after you renew, and lie while you are on contract with them.
We hear a lot about WorldPay but we use them through our website as part of a service they made with the designers Booking Online Ltd, and we haven’t really experienced any issues. Once it was set up, it worked, and it’s been reliable since.
Worldpay experienced a shut down in Nov of 2020. We were unable to process credit cards, batch out, etc. Worldpay was unavailable by phone or internet (email, chat option). I requested online through a customer service portal to close the account. Seven months later, I am still dealing with their unauthorized charges on my bank account. I have called multiple times and have been left on hold for hours. Finally on May 3, 2021, the account is closed. June 8, a new charge appeared on my account for $5.95. I called to see what this is for – they say it is for an account I opened in 2008. I haven’t had this account for years, and now I see that they have charged my account randomly since July of 2020. Their customer service is horrible, and they should be held accountable. I am also making a complaint to the BBB.
They have been stealing money from me since 2019. I have followed all instructions to close my accounts and still am being charged. I have spent at least 20 hours per month since January on the phone with their reps. No change. Every month the charges are different amounts. Any attorney out there looking for a class action lawsuit? I see from the comments that I am not the only one this company has been fleecing illegally.
Beware! They will steal your money.
Worst service. Do not use this company. They are not providing the service they offer. The software to run reports is awful. No return calls for help. One month later I was called by a rep that lied stating I was offered an alternative processing portal not IQ. No tickets made for repeated requests for help and the tickets they did have were a month old and had been ” resolved” by closing the account before the date the rep says i was offered help? Awful and they want us to pay early termination fee.
All sales I completed had held funds and did not post due to address and zip code not correct? Had I entered that info no. I was told I just didn’t understand how it works. I had only gotten an ” approval” when I ran payment for services. Awful
This is 100% SCAM Co., They charge with out any contracts , nobody knows in there customer service. Spending second working day to be on a phone with them, nothing, so dissapointed , wiil open a claim agains them and 3/5 bank who is halping them to clear my account.
avoid at all costs nothing but lies worst customer service ever no accountability no callbacks no nothing just dissapointment
Horrible! Their contract automatically renews and even after 8 years, they charge you $495 “early termination fee” to leave. Yes, I should have but the date out on my calendar and renegotiated it when it automatically renews but for most business owners, we don’t even think about it.
We have not used WorldPay for credit card processing for years. According to the people I talk to on the phone, our accounts are closed. They are still deducting money from our accounts. Filing a complaint with BBB next.
This company is a grave yard for small businesses. The are a big fraud. The make you submit your your banking details which they take out as they wish irrespective of your business situation. We closed due to the Covid since March last year and I called them to suspend my accounts, for some reason the guy I spoke to never did so, they kept taking out money from our account up until January of this year. Just spoke to a lady today and she claims that there was no call to them so they took the money legally.
This is another Big company’s way of feeding off little companies. Government should stop these wicked selfish way of running businesses. Why should there be contracts, Why should people have to keep their credit card details or bank details with any business. Why can’t they just send your bills and you pay.
horrible service, duplicate accounts created false charges , no resolution, run away do not use this company !!!!
I just found out that my account has been debited from Worldpay from another account through them that was never used. This has been going on since 2014. I have called several times, trying to speak to supervisor, promised call backs and still have not had any callbacks.