Worldpay vs Stripe: Cost and Fees Calculator
Enter your volumes to compare estimated monthly costs and fees for Worldpay and Stripe across the selling types both offer, using published US pricing.
In-person card payments
Selling online (eCommerce)
Estimates combine processing fees and monthly subscriptions on the plans noted above. One-time hardware, setup, and add-ons are excluded. Rates are published or typical US pricing as of mid-2026 and may have changed.
How the Worldpay vs Stripe calculator works, and how the two compare
Worldpay is one of the largest global merchant acquirers, selling US small-business processing on quoted plans. Worldpay pricing is quote-based; typical US small-business offers combine a monthly fee around $25 with card rates near 2.9% + $0.30 online and 2.7% + $0.10 in person, varying widely by agreement. Stripe is a developer-focused online payments infrastructure company that also sells Terminal card readers for in-person sales. Stripe charges 2.9% + $0.30 for online card payments and 2.7% + $0.05 in person via Stripe Terminal (Reader M2 $59), with no monthly fee and volume discounts on request.
How they are similar: Where they overlap: both Worldpay and Stripe cover taking card payments in person with a card reader or terminal and selling online, which is what this calculator compares. They also share the same commercial model: both operate as flat-rate card processing with published per-transaction fees. In both cases the bill is driven by a percentage of each sale plus any fixed per-transaction fee, which is why your average transaction size changes the effective rate as much as the headline percentage does.
How they differ: Worldpay brings big-acquirer scale and omnichannel reach, but quoted contracts, monthly fees, and early termination clauses demand careful reading versus transparent flat-rate rivals. Stripe is built API-first: it has no storefront or POS software of its own, but offers unmatched flexibility, 135+ currencies, and dozens of payment methods for businesses that build their own checkout.
Assumptions used in this calculator
- Worldpay is modeled on: Quote-based; modeled at 2.7% + $0.10 with a $25 monthly fee; Quote-based; modeled at 2.9% + $0.30 with a $25 monthly fee.
- Stripe is modeled on: 2.7% + $0.05 in person via Stripe Terminal, Reader M2 $59; 2.9% + $0.30 per online card payment, no monthly fee.
- Rates are published or typical US pricing as of mid-2026 and change often; quote-based providers are modeled at representative rates. Always confirm current pricing with the provider.
- One-time hardware, setup, add-on apps, keyed-in transactions, international cards, and chargeback fees are excluded from the monthly figures.