Adyen vs Worldpay: A Complete Guide for the UK and EU Merchants

Please note that the information about the payment providers in this article was taken from their respective websites on 27 August 2025. This information is subject to change.

Choosing the right payment service provider is crucial for businesses operating across the UK and the EU. In this guide, we compare Adyen and Worldpay—two of the most prominent players—across key factors like features, fees, integration, and support to help you make an informed decision.

Adyen and Worldpay: Quick Overview

Adyen, founded in 2006 in the Netherlands, is a publicly traded company focused on end-to-end payment solutions for global enterprises.

Worldpay originated in the UK in the 1990s but has undergone multiple ownership changes. As of now, Worldpay is co-owned by FIS and GTCR and operates as a US-based payments company with a global merchant base.

Supported Markets and Customer Base

Adyen Supported Countries and Currencies

• Geographical Coverage: POS and in-person payments across 44 countries, including 32 in Europe.

• Currencies & Languages: Supports over 30 languages and accepts payments in 140 currencies.

• Industries: Serves merchants across retail, digital services, travel/hospitality and SaaS.       

Worldpay

• Geographical Coverage: Operates in 174 countries.

• Currencies & Languages: Processing payments in 135 currencies and supports 41 languages.

• Industries: Serves merchants across retail, financial services, travel, restaurants, gaming, crypto and software platforms.

Adyen vs Worldpay: Key Features for Merchants 

Supported Payment Methods

Only payment methods relevant to the UK and EU regions are listed, please check the methods for a market of your interest directly on the providers’ websites. 

Unlike Adyen and Worldpay, which largely depend on card networks or third-party wallets, Noda enables direct pay-by-bank transfers across the UK and EU via open banking. This gives merchants faster access to funds, lower transaction costs from just 0.1%, and zero reliance on intermediaries.

Recurring Billing and Subscription Management

Adyen offers recurring payments, tokenisation, subscription billing logic, and card-on-file management. Merchants can manage subscriptions natively or integrate with platforms like Chargebee or Zuora.

Worldpay supports recurring billing via tokenisation, allowing merchants to create flexible billing cycles with customisable amounts.

Adyen vs Worldpay: Unique Features

Adyen does not support cryptocurrency payment methods but offers various buy now, pay later (BNPL) options, including Affirm, Klarna, Clearpay, and Zip. It also enables in-person payments with integrated POS solutions and centralised control over terminals and transactions.

Worldpay payment gateway supports crypto settlements and processing through strategic partnerships. It also offers BNPL options, such as Klarna, Affirm, and PayPal Pay Later, and enables in-store payments through POS terminals with EMV, contactless, and mobile wallet support.

Adyen vs Worldpay: Security & Compliance

Adyen operates as a PCI DSS v4.0 compliant Level 1 Service Provider and supports secure tokenisation for card-on-file cases, alongside support for 3D Secure 2 for added authentication. holds a license from to operate as a credit institution within the European Economic Area (EEA), and is registered with the FCA in the UK.

Worldpay company is PCI DSS compliant, offering security features such as 3D Secure authentication and Omni Token, as well as eProtect. It is registered with the FCA and FinCEN in the UK and the US, respectively.

Adyen vs Worldpay: Integration for Merchants

Adyen offers prebuilt plugins for 12 e-commerce platforms (Adobe Commerce, Shopware, PrestaShop, and others) and have full APIs/SDKs to support online, mobile, POS, and tokenisation use cases.

Worldpay ecommerce gateway supports certified plugins for four e-commerce platforms (Magento, OpenCart, Shopify, and WooCommerce) and provides PCI-compliant integrations through its Checkout SDK and Payments API.

Merchant Dashboard Usability

Adyen provides integration with back-office systems via certified connectors, such as NetSuite, Oracle, and SAP, enabling payment reconciliation and enterprise workflows through its merchant dashboard.

Worldpay offers connectors for major ERP systems, including NetSuite, Salesforce, and SAP, along with a merchant portal for settlement reporting and real-time monitoring.

Worldpay vs Adyen: Pricing

Adyen uses an Interchange++ pricing model, combining a fixed processing fee with variable interchange and scheme fees depending on the payment method and card type.

Information as of August 2025. For more up-to-date pricing, visit the provider’s website.

Worldpay pricing and fees vary based on turnover, transaction value and merchant category. The fees below are for a retail category merchant with an annual card turnover of £50,000 and an average transaction value of £100.

Information as of August 2025. For more up-to-date pricing, visit the provider’s website.

Adyen doesn’t charge setup or monthly fees, but its minimum processing volume makes it less suitable for smaller businesses or low-volume merchants.  Further, Adyen’s Interchange++ model adds a fixed processing fee to the variable scheme and interchange charges, which can make accepting international or business cards more expensive for merchants.

Worldpay uses a tiered pricing structure with varying transaction rates and additional charges such as PCI compliance fees, terminal rental and a high £20 chargeback fee, making it potentially expensive for smaller merchants.

In contrast, Noda offers a flat, transparent pricing model from just 0.1% with no setup fees, no monthly minimums, and no hidden costs, eliminating card scheme fees entirely by leveraging open banking and removing chargeback risks while reducing overall payment processing costs for merchants.

Worldpay vs Adyen: Settlement Times

Adyen offers daily settlement on business days, with funds typically settled within T+2 days for major currencies like GBP, though timings can vary by region and payment method. Worldpay, on the other hand, processes settlements in overnight batch runs, with funds generally reaching the merchant’s account on the next business day after the transaction is settled.

Worldpay vs Adyen: Customer Support

Adyen offers 24/7 customer support through its Customer Area, including live chat, email, and phone support for critical issues. It also provides the Help Center with guides and tutorials, but its Trustpilot rating stands at 1.4.

Worldpay customer service provides merchant support 24/7 via email and phone, along with comprehensive guides and documentation, earning a 4.3 Trustpilot rating.

Which is Better: Worldpay vs Adyen?

Adyen is best for medium to large businesses, especially those with complex payment needs across multiple channels, international presence, or looking for transparent interchange-based pricing. Its excels in API-driven integration and its capabilities suit tech-savvy companies.

Worldpay fits businesses of different sizes, retailers with physical locations needing robust POS support, and companies preferring simpler pricing models with dedicated UK-based support. The minimum turnover requirement, however, means it may not be ideal for very small or new startups.

A Better Alternative to Worldpay and Adyen: Streamline Payments with Noda

Noda isn’t just another PSP—it’s a smarter, faster alternative designed for the open banking era. Unlike Adyen and Worldpay, Noda bypasses card networks entirely by enabling direct bank payments, reducing cost, risk, and friction. With no hidden fees or complicated structures, Noda gives merchants full control and clarity from day one—ideal for platforms, fintechs, and businesses looking to simplify payments and reduce operational friction.

What Sets Noda Apart for Modern Merchants?

• Transparent pricing – Flat transaction fees starting from 0.1%, with no hidden charges

• Broad bank network – Connects to over 2,000 banks and 30,000+ branches across 28 countries (including the UK and EU)

• Zero chargebacks – No card data, no disputes and associated costs

• Instant settlements – Real-time payouts for healthier cash flow

• Multi-rail support – bundle pay-by-bank with cards, Apple Pay & Google Pay for additional reach and flexibility

• Easy setup – Developer-friendly API, no-code payment tools, fast onboarding, and ready-to-use plugins for popular e-commerce platforms like WooCommerce, PrestaShop, OpenCart and Magento

• Dedicated support – Noda provides merchants with a personal account manager from onboarding through ongoing operations, ensuring tailored assistance and a single point of contact for all business needs