Comparison · Updated September 25, 2026
Adyen vs Worldpay
Adyen
A-
Adyen is a global, enterprise-grade payments platform that unifies acquiring, processing, routing and risk management into a single stack for merchants with international and omnichannel needs.
Worldpay
C+
One of the largest acquirers in the world, bought by Global Payments in January 2026 and now being folded into that brand. Enormous reach, but small merchants still get a three-year contract, an auto-renewal clause and pricing that is never published.
VS
Overview
Adyen and Worldpay both acquire card payments for large merchants in the US, UK and Europe, but they sell very differently. Adyen, graded A- on Payment Review, publishes one price list: a fixed processing fee of $0.13 (£0.11 in the UK) per transaction plus interchange++ and 0.60% on Visa and Mastercard, with no setup, monthly or closure fees, though it sets a minimum invoice by industry. Its standard terms run indefinitely and end on two months' notice. Worldpay, graded C+ and owned by Global Payments since January 2026, quotes US pricing individually and does not publish its direct US merchant terms. In the UK its online quote tool shows indicative small-business pricing: blended rates plus a 4.5p authorisation fee, a £15 minimum monthly charge, a £5 PCI fee and £20 a month per hired terminal, and its UK terms set an 18-month minimum hire for most smaller incorporated merchants. The same tool shows settlement in 24 hours, against Adyen's default payout delay of two business days, and Worldpay has far better Trustpilot numbers. Adyen is the stronger choice for most enterprise and mid-market merchants; Worldpay suits UK small businesses that want fast settlement and a price they can see before they call.
Key Takeaways
- ✓Adyen wins on pricing transparency: it publishes $0.13 (or £0.11) + interchange++ + 0.60% for Visa and Mastercard with no setup or monthly fees. Worldpay publishes no US rates and only indicative UK small-business rates.
- ✓Adyen publishes its standard contract terms worldwide: no fixed term, two months' notice. Worldpay publishes UK terms, where businesses under 10 staff and €2m turnover can leave on a month's notice and larger ones sign a 12-month initial term, but not its direct US merchant terms.
- ✓Worldpay wins on UK settlement speed: its UK quote tool shows settlement in 24 hours, against Adyen's default payout delay of two business days.
- ✓Worldpay has changed hands three times since 2019: FIS bought it in 2019, GTCR took 55% in January 2024, and Global Payments completed its acquisition in January 2026.
- ✓Worldpay has the far better Trustpilot score, 4.2 from 10,479 reviews against Adyen's 1.3 from 444, but Adyen holds the higher Payment Review grade, A- against C+.
Adyen
Adyen is for enterprise and mid-market merchants selling online and in store across several countries, who want published interchange++ pricing, one platform and a contract they can leave on two months' notice, and whose volume clears its minimum invoice.
Worldpay
Worldpay is for UK small businesses that want indicative pricing up front, 24-hour settlement and, if they have fewer than 10 staff and under €2m turnover, a processing agreement they can end on one month's notice, provided they accept a minimum terminal hire period.
Overall Winner
🏆 Winner
Adyen
A-expert grade
Runner-up
Worldpay
Why?
For the enterprise and mid-market merchants both companies target, Adyen is the better choice. It publishes its card pricing as interchange++ plus a fixed fee, charges no setup or monthly fees, runs online and in-person payments on one platform backed by its own US, UK and EU banking licences, and publishes standard terms that end on two months' notice. Worldpay quotes US pricing privately and does not publish its direct US merchant terms. Adyen also holds the much higher Payment Review grade. Worldpay's advantages are in UK small business: 24-hour settlement and indicative pricing you can see before you call, and a processing agreement the smallest firms can end on a month's notice. Adyen's minimum invoice can rule out smaller merchants.
Feature by feature
Detailed Comparison
Filter Options
Card pricing
| Feature | Adyen | Worldpay |
|---|---|---|
| Pricing model | Interchange++ plus a fixed processing fee Winner | Quote-based; blended rates in the UK quote tool |
| Adyen's pricing page says the fees shown are indicative and pricing can be discussed with sales. Worldpay's UK tool calls its figures indicative only and prices by annual card turnover and industry. | ||
| US Visa and Mastercard | $0.13 + interchange++ + 0.60% Winner | Not disclosed |
| Adyen's global pricing page, read 23 September 2026. Adyen charges American Express in North America at $0.13 + 3.3% + $0.10. Worldpay does not publish US rates. | ||
| UK Visa and Mastercard | £0.11 + interchange++ + 0.60% | 0.3%–1.9% + 4.5p (indicative) |
| Not the same basis: Adyen adds its 0.60% on top of interchange and scheme fees, which Adyen puts at around 0.3–0.4% in Europe; Worldpay's figures are blended rates that include them. Worldpay's UK tool ranges from 0.3% on in-person debit to 1.9% on online credit, depending on turnover band, with business cards up to 3.0%, plus a 4.5p authorisation fee on every transaction. | ||
| Setup and monthly fees | None Winner | £5 a month PCI DSS fee (UK, indicative) |
| Adyen says it charges no monthly, setup, integration or closure fees. Worldpay's UK quote tool lists a £5 PCI DSS service fee; gateway is shown as included. | ||
| Minimums | Minimum invoice set by industry; amount not published | £15 minimum monthly service charge (UK, indicative) |
| Adyen's pricing FAQ says it has a minimum invoice depending on industry or business model and refers merchants to sales for the figure. | ||
| Chargeback fee | Not disclosed | £20 (UK, indicative) |
| Worldpay's figure is from its UK small-business quote tool, which calls its pricing indicative only. Adyen does not publish a chargeback fee. | ||
Pricing model
Adyen
Interchange++ plus a fixed processing fee
Winner
Worldpay
Quote-based; blended rates in the UK quote tool
Adyen's pricing page says the fees shown are indicative and pricing can be discussed with sales. Worldpay's UK tool calls its figures indicative only and prices by annual card turnover and industry.
US Visa and Mastercard
Adyen
$0.13 + interchange++ + 0.60%
Winner
Worldpay
Not disclosed
Adyen's global pricing page, read 23 September 2026. Adyen charges American Express in North America at $0.13 + 3.3% + $0.10. Worldpay does not publish US rates.
UK Visa and Mastercard
Adyen
£0.11 + interchange++ + 0.60%
Worldpay
0.3%–1.9% + 4.5p (indicative)
Not the same basis: Adyen adds its 0.60% on top of interchange and scheme fees, which Adyen puts at around 0.3–0.4% in Europe; Worldpay's figures are blended rates that include them. Worldpay's UK tool ranges from 0.3% on in-person debit to 1.9% on online credit, depending on turnover band, with business cards up to 3.0%, plus a 4.5p authorisation fee on every transaction.
Setup and monthly fees
Adyen
None
Winner
Worldpay
£5 a month PCI DSS fee (UK, indicative)
Adyen says it charges no monthly, setup, integration or closure fees. Worldpay's UK quote tool lists a £5 PCI DSS service fee; gateway is shown as included.
Minimums
Adyen
Minimum invoice set by industry; amount not published
Worldpay
£15 minimum monthly service charge (UK, indicative)
Adyen's pricing FAQ says it has a minimum invoice depending on industry or business model and refers merchants to sales for the figure.
Chargeback fee
Adyen
Not disclosed
Worldpay
£20 (UK, indicative)
Worldpay's figure is from its UK small-business quote tool, which calls its pricing indicative only. Adyen does not publish a chargeback fee.
Best For Your Business
Recommendations based on your business type
Enterprise selling online in several regions
Recommended
Adyen
Adyen's published interchange++ pricing, local acquiring licences and 200+ payment methods on one integration suit a merchant collecting in several currencies, and its standard contract has no fixed term.
US mid-market merchant
Recommended
Adyen
Adyen publishes $0.13 + interchange++ + 0.60% for US Visa and Mastercard and its standard contract terms. Worldpay's US pricing is quote-only and it does not publish its direct US merchant terms.
Retailer with stores and e-commerce across countries
Recommended
Adyen
Adyen runs its terminals and online checkout on one platform, so in-store and online payments share one account and one set of reports.
UK small business taking card payments in person
Recommended
Worldpay
Worldpay shows indicative UK pricing online, quotes settlement in 24 hours and lets businesses with fewer than 10 staff and under €2m turnover leave the processing agreement on one month's notice. Budget for the £15 monthly minimum, the £5 PCI fee and a terminal hire that runs at least 18 months for most incorporated small merchants. Adyen's minimum invoice may rule out a small shop.
Adyen: Best for 3 use cases
Worldpay: Best for 1 use case
Frequently Asked Questions
Common questions about this comparison
Global Payments. It announced the purchase of Worldpay from GTCR and FIS on 17 April 2025 and completed it on 12 January 2026. Before that, FIS had owned Worldpay from July 2019 and sold 55% to the private equity firm GTCR on 31 January 2024.
It depends on your volume and card mix, and Worldpay does not publish US rates, so a like-for-like figure is not possible. Adyen charges $0.13 (£0.11 in the UK) per transaction plus interchange, scheme fees and 0.60% on Visa and Mastercard, with no monthly fees. Worldpay's UK quote tool shows indicative blended rates of 0.3% to 1.9% on personal cards plus a 4.5p authorisation fee, a £15 monthly minimum and a £5 PCI fee. Ask each for a quote on your own last month of transactions.
Yes. Adyen charges no setup or monthly fees but says it has a minimum invoice that depends on your industry or business model. It does not publish the amount, so ask its sales team before you apply.
In the UK, Worldpay's April 2026 terms let businesses with fewer than 10 staff and under €2m turnover end the processing agreement on one month's notice; larger firms have a 12-month initial term. Hired terminals carry a minimum hire period, 18 months for most smaller incorporated merchants, and leaving early means paying the remaining rentals less 5%. In the US, Worldpay does not publish its direct merchant terms. Its published enterprise terms renew for one-year periods unless either side gives a month's notice, and its 2025 financial statements say its processing contracts are often cancellable without a significant penalty, but agreements signed through resellers can differ: one 2023 reseller-channel agreement runs 36 months with liquidated damages on early exit. Check your own agreement.
Adyen's default payout delay is two business days for merchants processing mainly in major currencies domestically and three business days otherwise, and it pays out daily. Worldpay's UK quote tool shows settlement in 24 hours, as indicative pricing; Worldpay does not publish US settlement times.
Adyen scores 1.3 from 444 Trustpilot reviews, 87% of them one-star, against Worldpay's 4.2 from 10,479, as of September 2026. Worldpay's profile carries a paid Trustpilot subscription. Payment Review grades Adyen A- and Worldpay C+.
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