Adyen vs Worldpay explained – Payment processing comparison

Updated on 25 April 2024

In the age of e-commerce and digital transactions, a seamless payment system is not a mere luxury, but a necessity for any business. Two of the prominent players in the payment processing landscape are Adyen vs Worldpay. This article aims to provide an in-depth comparison of the two, evaluating their offerings, capabilities, fees, and overall suitability for different business models.

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Adyen vs Worldpay

Online transaction fee (for European cards)Interchange++ (starts from 0.9% + 0.25 EUR per transaction)Custom pricing, includes tiered, flat rate and interchange++ options
Online transaction fee (for non-European cards)Interchange++ (starts from 1.9% + 0.25 EUR per transaction)Custom pricing, includes tiered, flat rate and interchange++ options
In-person transaction feeInterchange++ (starts from 0.2% + 0.10 EUR per transaction)Custom pricing, includes tiered, flat rate and interchange++ options
Currency conversion feeInterchange rate + 1%Depends on the pricing plan
Refund fee0.25 EUR per refundDepends on the pricing plan
Chargeback fee20 EUR per incidentDepends on the pricing plan
Set up / Monthly feeNoneDepends on the pricing plan
Payment methods supportedExtensive but fewer than Worldpay, covers all major payment methods worldwideOver 300 payment methods supported globally
Fraud preventionRisk management system available for an extra feeBuilt-in fraud prevention and risk management
Subscription BillingAvailableAvailable
Point of sale (POS) capabilitiesAvailableAvailable
APIs for custom integrationsAdvanced and comprehensiveAvailable, but less advanced compared to Adyen
Customer supportPhone and email, mixed reviews24/7 phone and email support, generally well-reviewed
Adyen vs Worldpay

Please note that the fee structure for both Adyen and Worldpay can vary depending on your specific agreement with the company. It’s essential to discuss pricing in detail with both providers to ensure you get a clear understanding of all costs involved.

Understanding payment processing

Before delving into the comparison, it’s important to grasp the concept of payment processing.

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In simple terms, it’s the series of steps that begin when a customer initiates a payment and ends when the funds are transferred to the seller’s account.

A payment processor, like Adyen or Worldpay, acts as a middleman between the merchant, the customer, and their respective banks, ensuring a secure, swift and seamless transaction.

About Adyen

Founded in 2006 and based in the Netherlands, Adyen offers a single-platform payment solution serving all types of transactions: online, mobile and in-store.

Notable clients include Uber, Spotify, and eBay. Its platform is designed to provide businesses with direct access to Visa, Mastercard, and other widely used payment methods across the globe, thus supporting international growth.

About Worldpay

Worldpay, originally an independent company founded in the UK in 1989, has since been acquired by FIS, a US-based global leader in financial services technology.

Today, Worldpay is one of the largest payment processing companies worldwide, serving 146 countries and offering over 300 payment methods. Clients include a wide range of businesses, from start-ups to large enterprises.

Comprehensive platform vs specialist services

One of the key distinctions between Adyen vs Worldpay lies in the breadth of their offerings. Adyen’s approach is to provide a comprehensive platform that integrates all types of payments across multiple channels. By streamlining the entire payment process within one system, Adyen allows businesses to have a unified view of their customers across all channels, aiding in data analysis and personalisation.

On the other hand, Worldpay tends to focus more on offering specialist services tailored to different industries. It has robust solutions for specific sectors like retail, hospitality, and travel. It also provides a broader range of payment methods, including popular digital wallets and local payment options, which can be a crucial factor for businesses looking to expand globally.

Fees and pricing structure

Adyen operates on an interchange++ pricing model, which includes the interchange fee set by the card networks, a scheme fee, and a small markup by Adyen itself.

This model offers transparency as businesses can see the breakdown of fees. However, it can be complex to understand and predict, given the fluctuating nature of the interchange fees.

Worldpay, in contrast, offers a range of pricing models, including tiered pricing, flat rate pricing, and interchange++ pricing, allowing businesses to choose based on their specific needs.

Smaller businesses might appreciate the predictability of flat rate pricing, while larger businesses could find value in the interchange++ model. It’s important to carefully consider the nature of your transactions and your business size when assessing these pricing structures.

Technology and innovation

Adyen has a strong focus on technological innovation and offers modern APIs that allow businesses to integrate its payment processing system directly into their existing infrastructure. This makes Adyen particularly attractive for tech-savvy businesses or those with custom needs.

Worldpay, while not as tech-forward as Adyen, still offers a range of APIs and is continuously investing in improving its technology. Its platform is generally viewed as more user-friendly, especially for businesses without a large tech team. Additionally, Worldpay offers a range of fraud protection services and secure payment technologies.

Customer support

Both companies provide customer support via phone and email, but Worldpay tends to have a better reputation in this area. Worldpay offers 24/7 customer support, which is particularly valuable for businesses operating in different time zones. Adyen’s support, while still solid, has received mixed reviews, with some users citing delayed response times.

Summary – Adyen vs Worldpay

When it comes to choosing between Adyen vs Worldpay, there isn’t a definitive ‘one-size-fits-all’ solution. Both are powerful, reliable payment processors with distinct strengths.

Adyen’s unified, tech-oriented platform can be a powerful asset for businesses seeking to integrate their payment systems fully into their own platforms, as well as those looking for a global reach with streamlined operations.

On the other hand, Worldpay’s industry-specific solutions, choice of pricing models, and superior customer service make it an attractive option for a wide variety of businesses, including those just starting out or expanding into new markets.

Ultimately, the choice between Adyen and Worldpay will depend on the unique needs and characteristics of your business. It’s advisable to consider the factors discussed above and, if possible, consult with a payment processing advisor to make the most informed decision.


What are the primary differences between Worldpay and Adyen?

Worldpay provides various pricing models and industry-specific solutions, with superior customer service. Adyen, on the other hand, is a single-platform solution with modern APIs and a focus on technological innovation.

Can I use both Worldpay and Adyen for my business?

Technically, yes. Some businesses choose to use more than one payment processor to offer more payment options or as a backup. However, using both may complicate management and reconciliation of transactions.

Which is more expensive, Worldpay or Adyen?

The cost can depend on your specific agreement, business size, transaction volume, and the nature of your transactions. It’s best to contact both providers for a quote tailored to your business.

Does Worldpay or Adyen offer better global coverage?

Both offer extensive global coverage, but Worldpay supports more local payment methods, which can be an advantage for businesses looking to expand globally.

Can I switch from Worldpay to Adyen (or vice versa) easily?

Switching payment processors should be approached with caution, as it involves changing your business systems. It’s advisable to consult with a payment processing advisor.

How does the integration process of Worldpay and Adyen compare?

Adyen offers more advanced APIs, suited for businesses looking for custom integrations. Worldpay’s integration process is generally seen as user-friendly.

Does Worldpay or Adyen offer better fraud protection?

Both offer robust fraud protection services. However, Worldpay’s fraud protection services are generally more comprehensive and built-in.

Who offers better customer support, Worldpay or Adyen?

Worldpay generally has a better reputation for customer support, offering 24/7 service. Adyen’s support is also solid but has received mixed reviews regarding response times.

Which is more suited for small businesses, Worldpay or Adyen?

Worldpay could be more attractive for smaller businesses due to its range of pricing models and superior customer support.

Is the user interface of Worldpay or Adyen more user-friendly?

While both offer intuitive interfaces, Worldpay is generally viewed as more user-friendly, especially for businesses without a large tech team.

How do Worldpay and Adyen handle mobile payments?

Both Worldpay and Adyen offer comprehensive mobile payment solutions, supporting various mobile payment methods.

Does either Worldpay or Adyen have a minimum monthly service charge?

Adyen doesn’t have a monthly minimum service charge. Worldpay’s pricing varies, and it may or may not have a minimum monthly charge depending on your pricing plan.

Which platform, Worldpay or Adyen, is better for a business with high transaction volume?

Both platforms can handle high transaction volumes effectively. The decision should depend more on other factors like global coverage, pricing structure, and integration capabilities.

How reliable are Worldpay and Adyen in terms of uptime and downtime?

Both Worldpay and Adyen offer high reliability and uptime. They both use advanced technology to ensure their systems remain operational and secure.

How does Worldpay and Adyen’s reporting and analytics features compare?

Both platforms provide robust reporting and analytics tools. Adyen’s single-platform approach may offer a more unified view of transactions across all channels.

Do both Worldpay and Adyen support multi-currency transactions?

Yes, both Worldpay and Adyen support transactions in multiple currencies, making them suitable for businesses serving international customers.

Which offers more customisation, Worldpay or Adyen?

Both offer a degree of customisation through their APIs, but Adyen is generally considered more flexible for businesses requiring custom integrations.

Which is better for e-commerce, Worldpay or Adyen?

Both are suitable for e-commerce with robust online payment solutions. The choice should depend on your specific business needs, such as global coverage, pricing structure, and customer support.

How do Worldpay and Adyen handle refunds and chargebacks?

Both Worldpay and Adyen allow businesses to process refunds and handle chargebacks. The specific process and associated fees can vary depending on your specific agreement with each provider.

Which provides more transparent pricing, Worldpay or Adyen?

Adyen uses an interchange++ pricing model, which can be more transparent as businesses see the breakdown of fees. However, Worldpay offers a range of pricing models, which can provide flexibility depending on the business’s specific needs.

Reviewed by , Managing Director

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