Our rating(4.1/5)
Versatile card machine packages from industry-leading payments company.
Worldpay (now merged with FIS) is a household name for high street chains and independent shops alike in the UK, but are their terminal solutions worth the charges and commitment?
  • Highs: Payment processing at its best. Card machines are advanced. 24/7 customer support every day of the year. Remote payment options.
  • Lows: 18 months’ lock-in with most plans. Fixed costs add up. Problems with customer service.
  • Choose if: It’s important to have a terminal solution from a large, international payment company that can tailor your rates.

The lowdown

Worldpay is a decades-old card machine provider for businesses of all sizes. In 2019, it was acquired and merged into the American company FIS (Fidelity National Information Services), so it is now referred to as Worldpay from FIS.

Although we will focus on the terminal solutions for brick and mortar merchants, the breadth of services handled by Worldpay means you can use it as a single provider for online, remote and face-to-face payments.

With their card terminals, you can accept Visa, Mastercard, Maestro, UnionPay, Diners Club, Discover and JCB. It is also possible to accept American Express, but this requires a separate agreement. Card payments take on average 2-3 working days to settle in your business bank account.

The card machines come in one of four packages: Pay As You Go, Simplicity, Fixed Monthly and Custom. Which plan you pick depends on how predictable your card takings are, preference of fee structure, among other things.

Card machines and add-ons

Regardless of the card machine package, the contents are by and large the same. You get a choice of desktop, portable and mobile terminals by Ingenico or a smart POS terminal by PAX.

Countertop Portable Mobile
Worldpay countertop Ingenico terminal Worldpay portable Ingenico terminal Ingenico Move/5000 mobile terminal
Uses phone/internet cable connection Uses WiFi or Bluetooth up to 100 m from base In-built SIM connects to 3G, 4G or WiFi
Works with power cable Uses rechargeable battery Uses rechargeable battery
Ingenico iCT 250 Ingenico iWL 258, iWL 252 & PAX A920 Ingenico Move 5000
Counter Portable Mobile
Worldpay countertop Ingenico terminal Worldpay portable Ingenico terminal Ingenico Move/5000 mobile terminal
Uses phone/ internet cable Uses WiFi or Bluetooth up to 100 m from base In-built SIM connects to 3G, 4G or WiFi
Works with power cable Uses rechargeable battery Uses rechargeable battery
Ingenico iCT 250 Ingenico iWL 258, iWL 252 & PAX A920 Ingenico Move 5000

All the terminals have a built-in receipt printer and accept chip and PIN and contactless cards as well as Apple Pay, Google Pay and Samsung Pay. They can also add tips, process cashbacks and give refunds directly from the terminal.

Each terminal comes with cables or charger (as relevant), decals showing accepted card brands and one receipt roll. It is highly recommended you order extra receipt rolls right from the start if you plan on using the terminal fairly regularly.

Countertop terminals are suitable for a stationary location like a till point on your sales premises. They have to be connected to a router or telephone line through a cable for an internet connection (required for processing payments). A countertop terminal also has to be plugged in to a power socket at all times.

Portable terminals are ideal for places where it’s best to carry around the terminal and take payments where the customer is. This makes it perfect for restaurants, pubs and cafés especially. These terminals are powered by a long-life battery recharged through an adaptor.

The Ingenico iWL 258 model connects to the internet through WiFi for card processing, and Ingenico iWl 252 uses Bluetooth (within 100 metres of the source) to connect to a device such as a mobile phone or router connected to the internet. The PAX A920 terminal uses WiFi.

Mobile terminals work anywhere with mobile coverage, making it ideal for market stalls, cab drivers and tradespeople on the move. It comes with a built-in SIM card that automatically connects to any available EE, O2 or Vodafone network. In addition, it has WiFi built in, so you are thoroughly covered in terms of connectivity. The mobile card machines are also powered by a rechargeable battery made to last for multiple hours’ transactions.

In addition to the terminal service, you can add the ability to take phone payments, send email invoices and accept online payments, each costing an additional fee per month.

Popular now: Ingenico Move 5000

Mobile card machine with keypad and touchscreen display.

  • Accepts NFC (contactless), EMV (chip), magnetic stripe cards

  • Large colour touchscreen with stylus for signatures and navigation

  • Access to app market with pick-and-choose add-on features like customer loyalty, split bills and promotional displays

  • Inbuilt camera, GPS, barcode scanner

  • 4G, 3G, GPRS, Bluetooth, WiFi

The Ingenico Move/5000 terminal is one of Worldpay’s mobile card machines and can be rented on any of their price plans.

Increasingly popular: PAX A920

Portable Smart POS terminal for mobile payments or integration with POS.

  • Accepts NFC (contactless), EMV (chip), magnetic stripe cards

  • Large, 5-inch colour touchscreen

  • Powered by Android with access to app market (should use Worldpay UK app or POS integration)

  • Inbuilt camera (for barcode scanning) and receipt printer

  • Works with WiFi, 4G or GPS

PAX A920 SmartPOS terminal

The PAX A920 SmartPOS terminal can be rented on Worldpay’s plans.

Worldpay costs and fees

Worldpay’s most popular plan for card machines is the Custom package, which is geared towards bigger businesses with a good knowledge of their card payments. This is because you have to negotiate fees (get a quote here), and the higher your transaction volume, and the more you know about your sales volume, distribution of payment cards accepted and overall requirements, the better the deal you can get. Otherwise, you may be given higher rates than what you can get through another package.

That said, smaller businesses making less than £300,000 a year through card payments could benefit from the Simplicity and Pay As You Go plans – let’s compare the plans.

Compare with low-cost, no-commitment option: SumUp vs. Worldpay

Price plans compared

The Custom plan has a variety of costs, but out of all plans, it is the most adaptable. Card rates depend on your turnover and the distribution of card types normally accepted in your business.

It comes with an 18-month terminal contract and typically interchange++ fees including a monthly minimum charge of £15/month if your turnover does not exceed the agreed monthly minimum. Debit and credit cards have different rates. As opposed to other plans, PCI management is paid for (£29.95 a year) on top of terminal and transaction costs.

Simplicity is for businesses with a stable volume of sales month-on-month. It comes with an 18-month contract. You pay one fixed monthly fee that covers terminal hire and acquiring costs. This starts at £17.95 + VAT a month for a countertop model, with mobile terminals being the most expensive (up to £23 + VAT a month). Then you pay a fixed transaction rate of 1.5% for all card payments.

Pay As You Go does not come with lock-in, but then you pay multiple card fees that do not apply to Simplicity. In theory, you only pay when there is a card payment, but there is a £150 + VAT setup fee and higher card rates. Domestic Mastercard and Visa card transactions have a lower fee than premium cards like Diners Club, business and corporate cards. This plan may be better suited for startups and seasonal businesses with occasional or unpredictable card sales.

Custom Simplicity Pay As You Go
18-month contract 18-month contract No contract lock-in
Setup fee
May apply May apply £150*
Monthly fee
£17.95-£23*/mo depending on terminal £17.95-£23*/mo depending on terminal None
Card transaction fees
Custom Visa, Mastercard & premium cards: 1.5% Via, Mastercard: 1.75%
Premium cards: 2%+
Authorisation fee applies
Monthly minimum charge
£15*/mo None  None
Reporting & analytics
(first 3 months free)
(first 3 months free)
(first 3 months free)
PCI compliance
£29.95* annual fee £9.99*/mo non-compliance fee £9.99*/mo non-compliance fee
Early termination fee
Yes, amount varies Yes, amount varies None

*Excluding VAT.