Tired of Worldpay's complex contracts, hidden fees, and poor customer service? Lopay offers the UK's lowest rates at 0.79% flat (or 0.39% via Visa cashback), no contracts, and 4.7/5 Trustpilot rating. Switch in 5 minutes and save up to £1,200/year.
While Worldpay is a popular choice, many UK businesses face these common frustrations:
Worldpay charges 1.75% for in-person and 2.5% + £0.25 for online payments. On £10,000/month, that's £175-250 in fees vs Lopay's £79.
Worldpay has a 1.5/5 Trustpilot rating, with thousands of complaints about sudden account freezes and withheld funds for weeks.
Email-only support with slow response times. Many merchants report waiting days or weeks for critical issues to be resolved.
Easy setup with no monthly fees
Sleek hardware design and intuitive POS system
Integrated ecosystem (payments, invoicing, payroll)
Same-day deposits available
1.75% in-person fees (121% higher than Lopay)
1.5/5 Trustpilot rating due to account freezes
Strict risk policies can lock funds without warning
Email-only support with slow response times
Bottom line: Worldpay is one of the UK's largest processors but is known for complex contracts with hidden fees and poor customer service. Lopay offers transparent 0.79% flat pricing (or 0.39% via Visa cashback) with no contracts — what you see is what you pay.
| Feature | Worldpay | Lopay |
|---|---|---|
| In-Person Fee | 1.75% | 0.79% flat (or 0.39% via Visa cashback) |
| Online Fee | 2.5% + £0.25 | 0.79% flat (or 0.39% via Visa cashback) |
| Monthly Fee | £0 | £0 |
| Contract | None | None |
| Trustpilot Rating | 1.5/5 ⭐ | 4.7/5 ⭐⭐⭐⭐⭐ |
| Customer Support | Email only | Phone, email, chat |
| Account Freezing Issues | Common | Rare |
| Monthly Cost (£10K volume) | £175 | £79 (or £0 with Visa card) |
| Annual Savings vs Worldpay | - | £1,152 - £2,100 |
See how much you'd save by switching from Worldpay to Lopay
Lopay is the only UK payment processor offering the UK's lowest fees from 0.39% via our free Visa expense card
Use our free Visa expense card and get 0.39% effective rate via Visa cashback on processing fees. The only processor in the UK offering the UK's lowest fees from just 0.39%.
Exclusive to LopayHighest-rated payment processor in the UK. Our merchants love our responsive support and transparent pricing.
Unlike Worldpay, we don't freeze accounts without warning. Your money is always accessible when you need it.
Reliable PayoutsCreate your Lopay account online. No paperwork, no credit checks. Get approved instantly.
Choose from our range of card readers or use your smartphone. Free delivery within 2 business days.
Activate your account and start accepting payments at 0.79% flat (or 0.39% via Visa cashback). Keep using Worldpay during transition.
No contract • Cancel anytime • Money-back guarantee
Yes! Many merchants run both systems in parallel for a few weeks to ensure a smooth transition. There's no contract with either provider, so you can switch at your own pace.
When you sign up for Lopay, you get a free Visa expense card. Use this card for business expenses and receive cashback that reduces your effective rate to just 0.39%. It's completely free with no catches.
Lopay has a 4.7/5 Trustpilot rating because we don't freeze accounts without cause. We work with you to resolve any issues rather than locking your funds. Your money is always accessible.
We offer a 30-day money-back guarantee. If you're not happy for any reason, we'll refund all fees paid. Plus, there's no contract, so you can cancel anytime with no penalties.
Most merchants are approved instantly. In some cases, we may need additional information, but approval typically takes less than 24 hours. You can start accepting payments as soon as your card reader arrives (2 business days).
Join 30,000+ UK businesses who switched from Worldpay to Lopay and never looked back.