We may earn a commission if you buy through links on this page. It never changes a score or a ranking. How we make money
It's a split decision.
Choose Worldpay if you need its broad payment toolkit across online and in-store channels, fraud tools, routing, payouts or embedded payments—and can confirm the quote and contract terms. Choose Adyen if you want one API for payments, data insights and embedded financial products, with a published $0.13 processing fee plus payment-method charges. Neither lists a free plan; Worldpay’s starting price and Adyen’s total transaction cost are not fixed in the published pricing details.
01Side by side
| Worldpay | Adyen | |
|---|---|---|
| Starting price | Not published | $0.13/transaction + payment-method fee |
| Free plan | No | No |
| Best for | Multi-channel businesses and software platforms | Businesses combining payments, data and finance |
| Core strength | Payment acceptance, fraud tools, routing and payouts | Payments, data insights and embedded finance |
| Learning curve | Not published | Not published |
| Integrations/data | Not specified on the vendor's site | Single API; payments and data insights |
| Team/seat costs | Not published | Not published |
| Support | Not specified on the vendor's site | Not specified on the vendor's site |
Worldpay Choose Worldpay if
- Choose Worldpay if you need online, in-store and cross-channel payment services.
- Choose Worldpay if fraud screening, routing and global payouts matter.
- Choose Worldpay if you want embedded payments for a software platform.
Adyen Choose Adyen if
- Choose Adyen if you want payments, data insights and financial products together.
- Choose Adyen if a single API across use cases matters.
- Choose Adyen if you want a published base processing fee.
02Pricing compared
Neither has a published starting price or free plan in the published pricing details. Worldpay lists monthly fees and per-transaction charges, but no annual billing terms. Its indicative UK pricing includes a 0.0% card transaction rate for listed Visa and Mastercard types, plus a 4.5p authorisation fee. Other listed charges include £20 per month per POS terminal, a £5 monthly PCI DSS service fee and a £15 minimum monthly service charge. The gateway is included.
Adyen has no monthly or annual subscription fee. Its listed transaction price is $0.13 fixed processing, plus a fee that depends on payment method. It lists no setup, monthly, integration or closure fees, but the minimum invoice varies by business and its amount is not published. Compare a Worldpay quote with Adyen’s payment-method charges and minimum invoice before switching.
03Features and depth
Worldpay covers payment acceptance online, in-store and across channels. Its listed toolkit includes fraud screening and authentication, payment routing, intelligent retries and authorisation-rate optimization. It also offers embedded payments for software platforms, global payouts, automated settlements and international routing. The published details describe flexible payment methods and customizable checkouts, but do not specify which methods or checkout options are available on each plan.
Adyen combines payment processing with data insights and financial products. Its listed features include global automated payouts, fraud and conversion tools, and a single API for multiple use cases and channels. Businesses can also offer payments, accounts, card issuing and capital under their own brands. Both platforms cover payments and optimization; Worldpay’s description emphasizes channel breadth and payout operations, while Adyen’s emphasizes payments, data and embedded finance together. Adyen says other products are priced separately, with prices not published.
04Ease of use and learning curve
The published material does not describe either platform’s interface, onboarding steps or implementation time, so it cannot establish which is easier to learn. The review scores give Worldpay an ease-of-use score of 5 and Adyen 6, but those scores do not explain the difference or show how either product fits your team.
Adyen lists a single API for multiple use cases and says there are no integration fees; that does not mean implementation requires no technical work. Worldpay includes the payment gateway in its listed pricing, but the published details do not say how much setup or configuration is involved. Ask both providers what integration, support and contract requirements apply to your use case.
Questions people ask
Is Worldpay a legitimate payment platform?
The published product information describes Worldpay as a payment services provider for businesses, with online and in-store acceptance, fraud tools and payouts. That description does not independently verify its legal status, reliability or suitability for a particular business. Check the provider’s terms and regulatory information before signing.
What are the key differences between Stripe and Adyen?
The published information covers Adyen and Worldpay, not Stripe, so it does not support a fair Stripe comparison. It describes Adyen as offering payments, data insights and financial products through one platform, with a $0.13 fixed processing fee plus a payment-method charge. Adyen’s total cost is not fixed here.
Is Worldpay the largest payment processor?
The published information does not rank Worldpay against other processors by transaction volume, revenue or customer count. It describes services for businesses ranging from small and mid-sized companies to enterprises and software platforms, but that is not enough to establish whether it is the largest.
Is Adyen a high risk payment processor?
The published information does not classify Adyen as a high-risk processor or describe its underwriting rules. It lists payment processing, fraud tools and financial products, but those details do not establish which business types Adyen accepts. Ask Adyen directly whether it supports your industry and risk profile.