# Worldpay — Payment

Worldpay by Worldpay, LLC holds a panel rating of 2.5/5 from 6 AI judges (category median 2/5), as of 2026-11-03. Provenance: provenance unknown; sovereignty: not determined.

- Vendor: Worldpay, LLC (https://worldpay.com)
- Category: [Payment](https://whats-best.ai/software/payment.md)
- Provenance (editorial classification): provenance unknown
- Canonical page: https://whats-best.ai/software/payment/worldpay
- Alternatives: https://whats-best.ai/software/payment/worldpay/alternatives ([markdown](https://whats-best.ai/software/payment/worldpay/alternatives.md))
- Data as of: 2026-11-04 · evaluated 2026-11-03 · oldest source captured 2026-11-03

**AI-generated.** Every score, rationale and verdict here is written by a panel of AI judges from public evidence — an analysis, not a hands-on test. Every fact quotes the vendor page it was read from. No score can be bought. How scores are made: https://whats-best.ai/methodology

## At a glance

- Vendor: Worldpay, LLC
- Headquarters: Not stated on the vendor’s pages as of 3 Nov 2026
- Data hosting: Not stated on the vendor’s pages as of 3 Nov 2026
- Free plan: Not stated on the vendor’s pages as of 3 Nov 2026

## The panel's verdict

Worldpay, LLC, now part of Global Payments, earns its best scores on checkout and SCA at 7-8: 3-D Secure 2 with device data collection, exemptions for low value under €30, transaction risk analysis and merchant-initiated transactions, liability shift explained per flow, and a PCI-compliant Checkout SDK with hosted card fields. Payment methods score 5-6 on a long named catalogue — cards across the major schemes, Apple Pay and Google Pay, SEPA Direct Debit with 37 countries listed, and Bancontact, Blik, Bizum and Bancomat Pay — though the pages give no per-method view of currencies, refunds or recurring support. Recurring billing scores 5-6 on stored-card tokens, SEPA e-mandates and agreement types, with no public information on dunning or token export. Settlement and reconciliation scores 4-5, licence and account terms 3-4: reserve mechanics are unusually explicit but scoped to partners in the United States and Canada, and enterprise terms defer to the customer's Order. Sovereignty scores are 0-0, with jurisdiction, data residency and processing location unknown; pricing transparency scores 1-2 on quote-only signals. No significant disagreements were recorded.

**Speaks for it:**
- Checkout and SCA scores cluster at 7-8, covering 3-D Secure 2, exemptions under €30, per-flow liability shift and a PCI-compliant Checkout SDK with hosted card fields
- A named catalogue spanning the major card schemes, Apple Pay and Google Pay, SEPA Direct Debit with its 37-country list, and Bancontact, Blik, Bizum and Bancomat Pay
- A recurring core of stored-card tokens with scheme-reference linking, SEPA e-mandates and subscription, installment and unscheduled agreement types, plus an account updater on the Enterprise line
- A versioned RESTful reporting API covering transaction and settlement data, chargebacks, filters, exports and long historical access
- Reserve mechanics documented with percentages, caps and release schedules, an unusually explicit treatment for the category

**Held against it:**
- Sovereignty scored 0-0, with jurisdiction, data residency, hosting options and the data processing agreement all unknown on the captured pages
- We found no public information on payout cadence, settlement currencies, webhooks or per-transaction fee itemisation, leaving the finance lead unable to close a month from these pages alone
- We found no public information on dunning, smart retries, trials, proration or a documented process for exporting payment tokens to another provider
- Licence and account terms score 3-4: no published supervisor, licence, safeguarding statement, chargeback fee or termination notice, and enterprise terms defer to the customer's Order
- No per-method coverage matrix of countries, currencies, refunds and recurring support

**Best for:**
- You sell into European markets and want named local methods — Bancontact for Belgium, Blik for Poland, Bizum for Spain, Bancomat Pay for Italy — alongside cards and SEPA Direct Debit
- You need engineered PSD2 SCA compliance, with documented exemption flows and liability shift stated per transaction flow
- You run card-on-file or SEPA e-mandate subscriptions and value an account updater, which sits on the Enterprise line
- You want a versioned reporting API with filters, exports and test documentation for reconciliation

**Avoid if:**
- Your finance team must close the month from vendor documentation alone — ask the vendor: the public pages we read do not show it
- Your subscription revenue depends on documented dunning, smart retries, trials or proration

## Scores by judge and criterion

Scores out of 5, each judge scoring independently against the published rubric (v2). "n/r" = not rated: the vendor publishes no price, or the judge found no public information on that criterion.

| Criterion | The Finance Lead | The E-Commerce Lead | The SaaS Founder | The Payments Engineer | The Compliance Officer | The Skeptic |
| --- | --- | --- | --- | --- | --- | --- |
| Payment methods & local coverage | 3/5 | 3/5 | 3/5 | 3/5 | 3/5 | 2.5/5 |
| Checkout, SCA & fraud | 3.5/5 | 4/5 | 3.5/5 | 3.5/5 | 4/5 | 3.5/5 |
| Subscriptions & recurring payments | 3/5 | 3/5 | 3/5 | 3/5 | 3/5 | 2.5/5 |
| Settlement, reconciliation & API | 2.5/5 | 2/5 | 2/5 | 2.5/5 | 2.5/5 | 2/5 |
| Licence, risk & account terms | 2/5 | 2/5 | 2/5 | 2/5 | 2/5 | 1.5/5 |
| European sovereignty | n/r | n/r | n/r | n/r | n/r | n/r |
| Pricing transparency | n/r | n/r | n/r | n/r | n/r | n/r |
| **Weighted verdict** | **2.5/5** | **3/5** | **2.5/5** | **3/5** | **2.5/5** | **2/5** |

### The judges

- **The Finance Lead** (v1.0): Closes the month and owns the cash position. Wants payouts on a stated schedule, fees itemised per transaction rather than netted into a lump, reports that match the bank statement, and a rolling reserve written into the contract with a limit rather than discovered on a Tuesday.
- **The E-Commerce Lead** (v1.0): Sells to customers in eight EU countries and is measured on conversion. Wants the local methods each market actually uses named per country, a checkout that stays on her domain, and 3-D Secure that challenges only when it must. Reads "100+ payment methods" as a count, not a list.
- **The SaaS Founder** (v1.0): Runs a B2B subscription business where every failed renewal is churn nobody chose. Wants SEPA mandates as well as cards, dunning that recovers, proration that is correct, and the payment tokens exportable — because a provider that keeps the tokens keeps the customer base hostage.
- **The Payments Engineer** (v1.0): Integrates the provider and gets paged when webhooks stop arriving. Wants a versioned API with idempotency keys, a test mode that behaves like production, the PCI scope of each integration stated, and a status page that admits incidents rather than a green dot.
- **The Compliance Officer** (v1.0): Handles data protection and outsourcing risk, and wants the regulated entity named with its supervisor and register number, not "licensed in Europe". Asks where transaction and cardholder data are processed, who the subprocessors are, and where the provider acts as controller rather than processor.
- **The Skeptic** (v1.0): Knows the headline rate covers the cheapest card in the cheapest country. Reads for the currency conversion markup, the chargeback fee, the payout delay and the clause that lets the provider freeze funds without a reason — and treats a missing licence number as an answer.

## European sovereignty — proven facts

Built only from facts on the vendor's own pages; a dimension we could not prove is left open, never scored as zero. Headline: not determined.

| Dimension | Finding | Points | Source |
|---|---|---|---|
| Legal entity | Not determined | — | — |
| Hosting location | Not determined | — | — |
| Hosting options | Not determined | — | — |
| Open source | Not determined | — | — |
| Data processing agreement | Not determined | — | — |
| Transfer impact assessment | Not determined | — | — |

## Key facts

Each fact is the vendor's own statement, cited to the source page it was read from ([S*n*] → Sources).

**Integrations**
- API endpoints: 3 · Generate required data for 3DS Device Data Collection · Initiate the 3DS authentication · Verify the 3DS challenge response [S5]
- APIs and plugins: yes · yes · yes [S2]
- Developer hub: yes [S1]
- Native sdk cardinal: Android/iOS native SDKs provided by Cardinal [S5]
- Postman collection: yes [S5]
- React native webview: React Native integration via WebView [S5]
- Reserve API resources: reserves · reserveEntries · entityReserves · holds · notes [S11]
- Web forms API: Web integration via forms and API [S5]

**Legal**
- Acquisition note: Worldpay is now part of Global Payments [S1]
- Enterprise merchant terms: Worldpay Terms and Conditions (WTC) apply as stated on the customer's Order in their Agreement [S10]
- Page title: Other Legal Agreements for Services [S10]

**Pricing**
- Free account: yes [S9]

**Product**
- 3ds liability shift: 3DS is issuer-performed risk and identity check giving liability shift and SCA compliance [S4]
- 3ds sca psd2: 3DS API supports SCA under PSD2 and liability shift to issuer [S5]
- Accept: Accept: omnichannel checkouts with global payment options [S1]
- Account hold effect: payouts · debits [S11]
- Account updater: yes · Enterprise [S7]
- Account verification no payment: Account verification can apply 3DS authentication details when there is no initial payment [S4]
- Accrual reserve: Accrual reserve reserves a percentage of revenue until reaching a reserve cap; auto-resumes if balance falls below max [S11]
- Aft: yes · Enterprise [S7]
- API base URL test: Test API base URL https://test-api.payrix.com; auth via APIKEY header [S11]
- API style: yes [S9]
- API version: 2024-06-01 [S7]
- Applepay googlepay sca: Apple Pay/Google Pay meet SCA via their own authentication; non-token Google Pay must go through 3DS [S4]
- Auto settlement: yes · Enterprise · Worldpay eCommerce [S7]
- Avs cvc default behavior: sentForCancellation · yes [S7]
- Avs cvc default behavior: yes · yes [S6]
- B2b scheme: considered on a case-by-case basis · no [S3]
- Bnpl: yes · yes [S2]
- Business lines: Enterprise · SMB (Worldpay eCommerce) [S7]
- Business lines: Enterprise · SMB (Worldpay eCommerce) [S6]
- Capability list: Online · In store · Omnichannel · Agentic Commerce · Payment Methods · Payouts · Currency · Fraud prevention · Authentication · Dispute management · Vault · Marketplaces · Software Platforms · Revenue Boost · Dynamic Routing · Credential M… [S1]
- Card storage consent required: yes [S6]
- Challenge mandated setting: For subscription/CIT setup, challenge.preference must be set to challengeMandated [S4]
- Chargeback reporting: yes [S9]
- Core scheme settlement delay: CORE · initial · oneoff · recurring payments · 4 [S3]
- Corporate payments no sca: Corporate payments with virtual cards do not require SCA [S4]
- Customer agreement field: subscription · yes · subsequent [S7]
- Customer agreement types: Customer agreements support subscription and installment types [S6]
- Date range queries: yes [S9]
- Decisionaction reserve trigger: yes [S11]
- Description: RESTful APIs to retrieve, customize, and export transaction and settlement data [S9]
- Digital wallets: yes [S2]
- Digital wallets unsupported for subscription setup: Apple Pay · Google Pay · no [S6]
- Emandate preacceptance info: required shopper-facing e-mandate information before agreement acceptance [S3]
- Endpoint: POST · /api/payments [S6]
- Enterprise scale: 2.3 [S1]
- Entity reserve modifier syntax: plus/minus modifiers on total increment/decrement by cents [S11]
- Entity reserve release: Release via PUT /entityReserves/{id} setting total to 0 or +/- modifiers [S11]
- Exemption liability: Liability shifts to the Exemption provider (e.g. Worldpay) instead of the issuer [S4]
- Exemptions cit only: Exemptions should only be requested for CIT with no initial card storage [S4]
- Export formats: exporting data across various formats [S9]
- Feature 3ds: yes · yes [S6]
- Feature account updater: yes · no [S6]
- Feature aft: yes · no [S6]
- Feature AI agent checkout: yes · no [S6]
- Feature financial services mcc: yes · no [S6]
- Feature latin america installments: yes · no [S6]
- Feature moto: yes · yes [S6]
- Feature payment facilitator: yes · no [S6]
- Feature risk assessment: yes · yes [S6]
- Feature sca exemptions: yes · no [S6]
- Filters: transaction type · status · date range · currency · merchant ID [S9]
- Financial services mcc: 6012/6051 · yes · Enterprise [S7]
- Flow outcomes: 3DS adds 3dsDeviceDataRequired; FraudSight may return fraudHighRisk; Auto Settlement returns 202 sentForSettlement [S6]
- Fraud reduction: yes [S2]
- Fraudsight outcome: FraudSight · 201 fraudHighRisk [S7]
- Funds reserved fields: funds.available · funds.reserved · funds.total [S11]
- Historical records: yes [S9]
- Hold release method: release · POST /notes [S11]
- Hold reserve action: 4 [S11]
- Hold types: reserves transaction funds · reserves future merchant revenue · blocks payouts [S11]
- Integration purpose: reconciliation · auditing · business intelligence [S9]
- Integration types: API only or Checkout SDK (PCI-compliant hosted card fields) [S6]
- Last updated: 28 October 2026 [S5]
- Latam installments: yes · Enterprise [S7]
- Liability shift timing: Liability shift happens at the point of payment, not the 3DS authentication [S4]
- Manual entity reserve: Manual reserves of specific amounts; entityReserves maintains a merchant reserve balance [S11]
- Mastercard tlid: yes · mastercard [S7]
- Method aeropay: Aeropay: Pay-by-Bank and real-time payouts [S2]
- Method affirm: Affirm: BNPL with fixed monthly payments [S2]
- Method affn: AFFN: U.S. military-focused ATM/POS network [S2]
- Method alipay: Alipay: China's leading mobile/online payment platform [S2]
- Method alipayhk: AlipayHK: Hong Kong e-wallet, online and in-store [S2]
- Method american express: American Express: global credit card network [S2]
- Method apple pay: Apple Pay: contactless, biometric, mobile and in-app [S2]
- Method aura: Aura: Brazilian domestic credit card network [S2]
- Method bancomat pay: Bancomat Pay: Italian instant mobile payments [S2]
- Method bancontact: Bancontact: Belgium's leading debit card/mobile method [S2]
- Method bccard: BCCard: South Korea credit card brand [S2]
- Method bigpay: BigPay: app for global payments and AirAsia benefits [S2]
- Method billease: BillEase: Philippine installment payments [S2]
- Method bizum: Bizum: Spanish instant mobile-number transfers [S2]
- Method blik: Blik: Polish A2A one-time-code mobile payments [S2]
- Mit flow: merchant_initiated_transaction [S7]
- Mit no sca: MIT recurring payments do not require SCA [S4]
- Moto no sca: MOTO payments (e.g. telephone, in-store) are a scenario where SCA does not apply [S4]
- One leg out no sca: One Leg Out transactions (issuer or acquirer outside EEA) do not require SCA [S4]
- Optimize: Smarter routing, intelligent retries, higher authorization rates [S1]
- Overview: Payments provider for businesses of all sizes [S1]
- Pagination: yes · yes [S9]
- Payment facilitator: yes · Enterprise [S7]
- Payments API 3ds: 3DS authentication can be added as part of an orchestrated Payments API request [S4]
- Payments API sca exemptions: SCA Exemption can be applied automatically as part of the Payments API [S4]
- Payout block on reserve: yes · yes [S11]
- Prerequisite: Requires Worldpay Core acquiring platform for merchant transactions [S9]
- Protect: Fraud screening, authentication, chargeback reduction [S1]
- Realtime monitoring: yes [S9]
- Recurring payments: recurring payments supported via e-mandates [S3]
- Recurring types: subscription · installment · unscheduled [S7]
- Report types: payment activity · chargebacks · financial operations · yes · yes [S9]
- Reserve entry release: Release by creating a new reserveEntry referencing the original ID with opposite amount (event: 37) [S11]
- Reserve monitoring endpoints: GET /reserveEntries · GET /entityReserves · GET /funds/{id} [S11]
- Reserve policy fields: percent · release · releaseFactor · max (optional cap) [S11]
- Reserve policy scopes: all merchants in an Org · one merchant · applies to all merchants in a partner portfolio [S11]
- Reserves applicable regions: United States · Canada · Partner [S11]
- Reserves purpose: Reserves set aside merchant funds to cover settlements, refunds, chargebacks, returns, or payouts; hold funds until activity is verified and released when risk concerns are resolved [S11]
- Risk assessment: yes · Enterprise · Worldpay eCommerce [S7]
- Rolling reserve: Rolling reserve reserves a percentage of merchant revenue, released on a configured schedule [S11]
- Rolling reserve example: months · 6 · 10 [S11]
- Sca 3ds challenge mandated: challengeMandated [S6]
- Sca exemptions: Worldpay-performed risk checks and TRA exemption granting [S4]
- Sca factors: SCA requires authentication with two or more of knowledge, possession, inherence factors [S4]
- Sca lowrisk condition: lowRisk exemption requires transactions through Worldpay (acquirer) below a set fraud threshold [S4]
- Sca lowvalue threshold: lowValue exemption applies to orders under €30 [S4]
- Scheme reference preview only: no [S7]
- Scheme reference required: yes [S7]
- Segments served: Small business · Enterprise · Software platforms · Marketplaces · Crypto · Digital content · Field services · Financial services · Gaming · Practice management · Public sector · Restaurants · Retail · Software · Travel and airlines · Finan… [S1]
- SEPA countries: 37 · Andorra · Germany · Monaco · Vatican · Austria · Gibralta · Norway · Belgium · Greece · Poland · Bulgaria · Hungary · Portugal · Croatia · Iceland · Romania · Cyprus · Ireland · San Marino · Czech Republic · Italy · Slovakia · Denmark… [S3]
- SEPA description: SEPA Direct Debit accepts bank payments from shoppers using an IBAN [S3]
- Settlement action: settlePayment [S6]
- Settlement batches: yes [S9]

**Support**
- Business lines: Enterprise, SMB (Worldpay eCommerce), Marketplaces [S5]
- Channels: Contact representatives for support [S1]
- Doc last updated: 2026-10-09 [S6]
- Testing docs: yes [S5]

16 more facts on the canonical page: https://whats-best.ai/software/payment/worldpay

## Questions

### Is Worldpay European?

Not determined: the vendor’s pages as captured do not say where Worldpay is based.

### Where does Worldpay store data?

Not stated on the vendor’s pages as of 3 Nov 2026.

### Does Worldpay have a free plan?

Not stated on the vendor’s pages as of 3 Nov 2026.

### What are the best alternatives to Worldpay?

As of 3 Nov 2026, the panel rates [Adyen (3/5)](https://whats-best.ai/software/payment/adyen), [Mollie (3/5)](https://whats-best.ai/software/payment/mollie) and [Novalnet (3/5)](https://whats-best.ai/software/payment/novalnet) highest among the other 35 Payment products evaluated. Ratings that look equal are rounded to half stars; the order uses the unrounded rating, then the name. The highest-rated European alternative is [Adyen](https://whats-best.ai/software/payment/adyen) (EU-Made). Ratings are the AI panel’s opinion, formed from public evidence: [how scores are made](https://whats-best.ai/methodology#ordering). The full list, with European products first: [Worldpay alternatives](https://whats-best.ai/software/payment/worldpay/alternatives).

## What this page leaves out

- We could not confirm any compliance information on the vendor’s own pages as captured, so this page shows none rather than a statement we cannot stand behind.
- 24 product facts could not be confirmed on the vendor’s page as captured and were left out of this page and of the panel’s material.
- 2 legal facts could not be confirmed on the vendor’s page as captured and were left out of this page and of the panel’s material.
- 1 integrations fact could not be confirmed on the vendor’s page as captured and was left out of this page and of the panel’s material.

## Sources

- [S1] Vendor page: https://worldpay.com (checked 2026-11-03)
- [S2] Payment methods & local coverage — found from sitemap: https://www.worldpay.com/en/enterprise/payment-methods (checked 2026-11-03)
- [S3] Payment methods & local coverage — found from sitemap: https://docs.worldpay.com/apis/wpg/sepa (checked 2026-11-03)
- [S4] Checkout, SCA & fraud — found from sitemap: https://docs.worldpay.com/access/products/3ds-sca-exemptions (checked 2026-11-03)
- [S5] Checkout, SCA & fraud — found from sitemap: https://docs.worldpay.com/access/products/3ds (checked 2026-11-03)
- [S6] Subscriptions & recurring payments — found from sitemap: https://docs.worldpay.com/access/products/payments/recurring-first (checked 2026-11-03)
- [S7] Subscriptions & recurring payments — found from sitemap: https://docs.worldpay.com/access/products/payments/recurring-subsequent (checked 2026-11-03)
- [S8] Settlement, reconciliation & API — found from sitemap: https://docs.worldpay.com/apis/reporting/settlement-summary (checked 2026-11-03)
- [S9] Settlement, reconciliation & API — found from sitemap: https://docs.worldpay.com/apis/reporting (checked 2026-11-03)
- [S10] Licence, risk & account terms — found from sitemap: https://www.worldpay.com/en-GB/legal/enterprise-merchant-agreements (checked 2026-11-03)
- [S11] Licence, risk & account terms — found from sitemap: https://docs.worldpay.com/apis/payrix/dev-int-guide/risk-management/manage-reserves (checked 2026-11-03)

---

Cite as: whats-best.ai, "Worldpay — Payment", AI panel analysis, as of 2026-11-04. https://whats-best.ai/software/payment/worldpay

Corrections: https://whats-best.ai/correct/1466?target=page