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If you’re leaving Worldpay over fees or unclear pricing, don’t assume another processor will automatically cost less. One Reddit thread includes merchants and commenters reporting disputed fees, including a high-risk assessment and non-compliance charges; another merchant asked for transparent pricing and faster payouts. Those are reasons to compare carefully, not proof that every Worldpay account has the same problem. The options below cover general payments, POS, gateways and installment checkout, but several are not like-for-like replacements.
01Why people leave Worldpay
Unexpected or disputed fees
Commenters in one Reddit thread report charges they consider excessive, including non-compliance and technology fees. Treat these as individual reports, not standard charges for every account.
Hard-to-compare pricing
A Worldpay merchant on Reddit asked for lower, transparent pricing. The published alternatives list publishes starting prices for some options, but several are not published.
Questions about payout speed
A Reddit merchant seeking a new processor wanted faster payouts. That signals a point to verify in writing; it does not establish that Worldpay payouts are slow for all merchants.
02The alternatives, ranked by fit
- Small sellers
SquareSquareSquare is listed for small sellers needing POS and online sales, plus businesses that want tools in one platform. That makes it a practical comparison if you’re replacing a broad payments setup rather than adding one checkout method. The pricing page notes a free plan, but gives no starting price, so compare the full processing costs before switching.
Trade-off: The listing flags payment-risk trade-offs; its starting price is not published.
6.9/10from
Freefree plan - POS and operations
CloverCloverClover is listed for merchants wanting POS and operations tools, with restaurant-specific plans and free software for small businesses. It may fit if your Worldpay setup includes in-store payments and you want to compare a POS-centered option. The pricing page gives a starting price of $29.95 and says to price hardware and processing before switching.
Trade-off: Hardware and processing costs need separate checking.
6.5/10from
$29.95/mofree plan - Cross-channel payments
WindcaveWindcaveWindcave is listed for businesses taking payments across channels and merchants needing global acquiring or cross-border services. That makes it one of the closer options to compare if you rely on Worldpay for more than a single online checkout. Its starting price is not published on the vendor's site, so ask for a full quote.
Trade-off: Pricing is opaque, and the listing notes localized user concerns.
6.0/10from
Custom - Online payments
PayPalPayPalPayPal is listed for businesses accepting online payments and shoppers who want a digital wallet and multiple payment options. It can be a fit if your priority is online checkout rather than replacing every in-store or platform payment function. The pricing page shows a free plan and a $5 starting price; check business fees and dispute terms.
Trade-off: The listing flags business fees and dispute concerns.
6.3/10from
$5/mofree plan - Gateway and account
Authorize.NetAuthorize.NetAuthorize.Net is listed for businesses needing both a merchant account and gateway, recurring payments, or payments across several channels. Compare it if those functions matter more than a bundled POS package. The pricing page shows a $25 starting price and warns that monthly and transaction costs also need budgeting.
Trade-off: Budget for the monthly fee and transaction costs.
6.5/10from
$25/mo - Installment checkout
SplititSplititSplitit is listed for merchants considering installment options, not as a like-for-like replacement for a full payment processor. It may fit if the specific gap in your Worldpay setup is pay-over-time checkout. Its starting price is not published on the vendor's site, so request terms and confirm what payment processing you still need.
Trade-off: It is an installment option, not a full processor replacement.
5.8/10from
Custom
03Side by side
| Tool | Score | From | Free plan | Best for |
|---|---|---|---|---|
 Worldpay Worldpay (current) | 5.0 | Custom | No | Businesses needing online and in-store payments |
| Square Square | 6.9 | Free | Yes | Small sellers needing POS and online sales |
| Clover Clover | 6.5 | $29.95/mo | Yes | Merchants wanting POS and operations tools |
| Windcave Windcave | 6.0 | Custom | No | Businesses taking payments across channels |
| PayPal PayPal | 6.3 | $5/mo | Yes | Shoppers wanting a digital wallet |
| Authorize.Net Authorize.Net | 6.5 | $25/mo | No | Businesses needing a merchant account and gateway |
| Splitit Splitit | 5.8 | Custom | No | Shoppers with ample available credit |
Questions people ask
Why are merchants looking to leave Worldpay?
Reddit threads include complaints about fees and requests for more transparent pricing and faster payouts. One thread’s commenters describe charges they dispute, but those accounts are anecdotal and do not establish what every merchant pays. Check your own statements, contract and fee schedule before deciding.
Which Worldpay alternative is closest for online and in-store payments?
The pricing page describe Square as serving small sellers needing POS and online sales, Clover as offering POS and operations tools, and Windcave as covering payments across channels. They are useful comparisons, but the available information does not establish that any one matches your Worldpay setup feature for feature.
Can we compare Worldpay’s price with these alternatives?
Not from the published information alone: a Worldpay price is not provided, and several alternatives have no published starting price in the listings. Some do list starting prices, but those are not a complete processing-cost comparison. Request itemized quotes and check contract terms, transaction costs and hardware charges.