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Worldpay vs Handepay, A Straightforward Comparison of Costs & Services
Helping UK Small Businesses Choose the Right Payment Processing Solution
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Worldpay vs Handepay, Introduction to Payment Processing Solutions
Payment processing is at the heart of every modern business, enabling you to accept payments quickly, securely, and efficiently. Whether you run a small retail business, a mobile business, or an online store, choosing the right payment provider can make a big difference in your day-to-day operations and overall success.
From credit card payments to online transactions and mobile payments, the options are vast. With providers like Worldpay and Handepay, UK small businesses have access to various payment processing solutions tailored to different needs. In this comprehensive guide, we’ll break down the key features, fees, and services of these two popular providers to help you make an informed decision that fits your business bank account and merchant account requirements.
Both Worldpay and Handepay comply with PCI DSS standards, ensuring your transactions are secure and your customers’ data is protected. This compliance is essential for processing card payments safely and maintaining your business’s reputation.
Payment Processing Services
Card Payments
Accepting card payments is essential for today’s businesses. Both Worldpay and Handepay offer reliable card payment solutions that cover credit and debit cards, including Visa, Mastercard, and contactless options like Apple Pay, Google Pay, and Samsung Pay. These various payment methods cater to the preferences of your customers and help increase sales.
Transaction fees usually range between 0.5% and 1.8%, depending on your transaction volume, sector, and average transaction value. Some providers offer fixed monthly fees, while others use a variable fee structure. Understanding your business’s payment patterns will help you choose the most cost-effective solution with low transaction fees or bespoke transaction fees tailored to your needs.
Card Machine Solutions
Both providers supply a variety of card machines, including mobile card machines, countertop, and portable devices. Handepay offers portable and mobile card readers that are easy to set up with transparent pricing and no hidden fees. Worldpay goes a step further with options like Android-based Smart till systems that combine POS and payment processing in one device.
When choosing a card machine, consider features like contactless payments and compatibility with mobile wallets such as Google Pay and Samsung Pay to provide a smooth checkout experience for retail businesses and mobile businesses alike.
Mobile Payment Solutions
Mobile card readers are a game-changer for businesses on the move. Both Worldpay and Handepay support mobile payments, allowing you to process payments anywhere using smartphones or tablets. This flexibility is perfect for market traders, delivery services, pop-up shops, and other businesses that require mobility.
Handepay promotes a Price Challenge, guaranteeing to save you money on processing fees or pay you £1,000, making it a competitive choice for mobile businesses looking to save businesses money on their monthly costs.
Online Payment Gateways and Payment Links
For businesses that operate online or want to accept payments remotely, both Worldpay and Handepay offer online payment gateways that integrate seamlessly with popular e-commerce platforms. These gateways support online transactions and provide secure payment methods, including payment links that you can send to customers for easy payment processing.
Worldpay’s online payment gateway also includes advanced fraud screening tools and multi-currency support, which is beneficial for businesses with international customers. Handepay offers straightforward online payment tools suitable for UK small businesses looking for a cost-effective solution.
Global Payment Solutions
If your business serves international customers, accepting payments globally is crucial. Both Worldpay and Handepay offer global payment solutions that enable you to process payments from international customers securely. Keep in mind that fees for foreign transactions and currency conversions may vary, and it’s important to understand these additional fees when evaluating your payment provider options.
Virtual Terminal and Telephone Payments
Both providers offer a virtual terminal that allows you to accept telephone payments securely. This feature is especially useful for businesses that take orders over the phone or via mail order. Recurring payments can also be set up through these virtual terminals, providing convenience for subscription-based businesses or those with regular customers.
Customer Support and Fees
Customer Support: Excellent customer support can save you time and stress. Handepay is known for its UK-based, responsive customer support team, providing assistance tailored to UK small businesses. Worldpay offers 24/7 global support with a broader reach, though some users have reported longer wait times due to their large customer base. Both providers strive to deliver excellent customer service to ensure any issues with your payment processing are resolved promptly.
Monthly Costs and Fees: Monthly fees and transaction fees impact your bottom line. Handepay offers transparent pricing with no setup fees and competitive transaction fees. Their contracts usually range from 12 to 36 months and include auto-renewal clauses, with early termination fees applying if you decide to end the contract early.
Worldpay’s pricing can be more complex, with options like pay-as-you-go plans offering flexibility. Both providers allow some negotiation on fees based on your transaction volume and business needs, which can help you secure bespoke transaction fees or low fixed transaction fees that suit your budget.
Worldpay vs Handepay, Head to Head Comparison
Feature | Worldpay | Handepay |
|---|---|---|
Business Type | Small to large businesses, including multinational corporations | Small to medium-sized UK businesses |
Card Machines | Portable, countertop, mobile, Smart tills | Portable, countertop, mobile card machines |
Transaction Fees | Variable transaction fees, typically 0.5% - 1.8%, pay-as-you-go option | Typically 0.5% - 1.8%, Price Challenge |
Contract Length | 12 to 36 months, auto-renewal, flexible pay-as-you-go option | 12 to 36 months, auto-renewal, early termination fees apply |
Customer Support | 24/7 global support, sometimes longer response times | UK-based customer support, responsive |
Online Payment Gateway | Advanced fraud screening, multi-currency support | Easy integration with popular platforms |
Mobile Payments | Supported, advanced features | Supported, user-friendly |
International Payments | Supported, multi-currency and global reach | Supported, fees vary |
Setup Fees | May apply depending on plan | None |
PCI Compliance Fees | May apply | Included |
Additional Features | Smart till POS integration, advanced fraud tools | Price Challenge, virtual terminal for telephone payments |
Final Verdict Which Payment Processor is Best for Your Business?
Choosing between Worldpay and Handepay ultimately depends on your business size, transaction volume, and specific payment needs. If you’re a UK small business seeking a cost-effective, straightforward solution with excellent UK-based customer support and transparent pricing, Handepay is a strong candidate.
For businesses that require advanced technological capabilities, multi-currency support, and a broader range of payment solutions, Worldpay’s global reach and flexible plans may be more suitable.
At Compare Card Fees, we’re here to help you navigate these options and find a payment processing solution that fits your unique business needs. Our experts can provide up-to-date information and tailored quotes to help you save on monthly costs while ensuring reliable and secure payment processing.
If you’d like personalised assistance or want to compare more merchant service providers, get in touch with us at Compare Card Fees. We’re dedicated to helping UK businesses find the best deals and optimise their payment processing setup.
FAQs About Worldpay vs Handepay
Both Handepay and Worldpay support credit and debit card payments, including Visa, Mastercard, contactless payments, Apple Pay, Google Pay, and Samsung Pay. These payment processing services enable you to accept card payments securely and conveniently.
Handepay typically does not charge setup fees, making it a cost-effective solution for UK small businesses. Worldpay may have setup fees depending on your chosen payment plan, so it’s important to clarify this when negotiating your merchant account.
Yes, both Handepay and Worldpay offer online payment gateways that integrate with popular e-commerce platforms. These gateways facilitate secure online payment methods and support various payment links to help you process payments remotely.
Handepay contracts typically range from 12 to 36 months with auto-renewal and early termination fees applying if you cancel early. Worldpay offers similar contract lengths but also provides a flexible pay-as-you-go option, ideal for businesses seeking more contract flexibility.
Both providers charge transaction fees typically between 0.5% and 1.8%, depending on your business type, transaction volume, and sector. Negotiating bespoke transaction fees or low fixed transaction fees based on your transaction volume can help reduce monthly costs.
Yes, both Handepay and Worldpay provide mobile card machines and support payments via smartphones and tablets, making them suitable for mobile businesses and market traders.
Both Worldpay and Handepay support payments from international customers. Worldpay offers multi-currency support and global payment solutions, while Handepay supports international payments with fees varying based on currency conversion and foreign transactions.
Handepay offers UK-based, responsive customer support tailored to UK small businesses. Worldpay provides 24/7 global customer support, which may have longer response times due to its larger customer base.
Handepay includes PCI compliance fees in their pricing, whereas Worldpay may charge these separately. Both providers have early termination fees that apply if you end your contract before the agreed term.
Compare Card Fees provides impartial advice, up-to-date information, and tailored quotes to help your business find the most cost-effective and suitable payment processing solutions, including options for phone payments, various payment solutions, and competitive pricing.
References & Citations
Handepay
Worldpay Merchant Services
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