Worldpay from FIS

If you have a lot of time on a project to implement and have a lot of time to go back and forth with a nontechnical account team, then there is no risk in implementing Worldpay. If you are trying to do a large project with a lot of quick turns on testing and requirements, then Worldpay can be a barrier

World pay from FIS is well suited to help our clients with storing credit cards on file in the software, memberships, offers a variety of payment options, etc. Typically it can be less suited for smaller businesses who are getting better rates from their local banks in town, compared to what World Pay can offer them.

I honestly can't say anything about WorldPay that is easy or intuitive or useful or helpful. Franz Kafka would have been impressed by the byzantine bureaucratic despair. Here are some guesses at what could be interpreted as positives if you are one of those people who enjoy reframing things. Maybe you enjoy listening to insipid hold music. Then Worldpay is the company for you because you will be on hold a LOT waiting for customer service to help you fix the thing that Worldpay has repeatedly broken. OR maybe you enjoy the excitement of speaking to two different tech support agents who tell you the COMPLETELY DIFFERENT THINGS and leave you to determine which one is right. OR maybe you want an onboarding process where your liaison puts all the wrong information in and then takes months to rectify their own mistakes. OR maybe you DON'T want the ability to change your security settings for verifying credit card purchases, thereby allowing thousands of dollars in fraudulent claims to flow freely OR maybe you appreciate the potential windfall from WorldPay double charging your clients on monthly fees and then making you jump through time-consuming, labor-intensive hoops to undo their mistake OR maybe you want access to a gift card system that will break down in the middle of your Black Friday sale and then completely botch the fulfillment such that half your customers don't receive the physical OR virtual gift cards OR maybe you enjoy hearing from your Relationship Manager that all of the problems you've been meticulously documenting were ACTUALLY caused by some other third-party system that has nothing to do with the problem I could go on and on. I have wasted countless hours navigating WP's various portals and customer service offerings, and with a few notable exceptions, they are universally terrible and their left hand never seems to know what their right hand is doing. I'm not familiar with any other cc processors. When I started, we used WP for cc and Authorize as the gateway, then WP told us they had their own gateway that would save us money. The moment we made the switch our problems started and have only compounded over time. I know WorldPay is the leader in credit card processing but do NOT use them if you can avoid it. They have done SO much damage to our company and my job has almost become full-time "deal with WorldPay nonsense."

Whenever a problem or question arises, it means multiple calls to deal with misrouted transfers or disconnections, hours on the phone and an immense amount of frustration dealing with people who only know how to follow the screen prompts and scripts. Have never spoken to anyone who is actually able to listen and understand.

Over the last few months, they continually took money from our accounts even though we had informed them that we were closed.

01/05/2021	CORPORATE ACH 4445023957050 VANTIV_INTG_PYMT BILLNG	$125.84
12/08/2020	CORPORATE ACH 4445023957050 VANTIV_INTG_PYMT BILLNG	$284.84
11/05/2020	CORPORATE ACH 4445023957092 VANTIV_INTG_PYMT BILLNG	$69.97
11/05/2020	CORPORATE ACH 4445023957050 VANTIV_INTG_PYMT BILLNG	$125.84
10/06/2020	CORPORATE ACH 4445023957092 VANTIV_INTG_PYMT BILLNG	$268.95
10/06/2020	CORPORATE ACH 4445023957050 VANTIV_INTG_PYMT BILLNG	$324.86
09/08/2020	CORPORATE ACH 4445023957092 VANTIV_INTG_PYMT BILLNG	$69.97
09/08/2020	CORPORATE ACH 4445023957050 VANTIV_INTG_PYMT BILLNG	$125.84
08/05/2020	CORPORATE ACH 4445023957092 VANTIV_INTG_PYMT BILLNG	$155.21
08/05/2020	CORPORATE ACH 4445023957050 VANTIV_INTG_PYMT BILLNG	$211.32
07/07/2020	CORPORATE ACH 4445023957092 VANTIV_INTG_PYMT BILLNG	$69.95
07/07/2020	CORPORATE ACH 4445023957050 VANTIV_INTG_PYMT BILLNG	$125.88
06/05/2020	CORPORATE ACH 4445023957092 VANTIV_INTG_PYMT BILLNG	$69.95
06/05/2020	CORPORATE ACH 4445023957050 VANTIV_INTG_PYMT BILLNG	$125.84
05/05/2020	CORPORATE ACH 4445023957092 VANTIV_INTG_PYMT BILLNG	$35.40
05/05/2020	CORPORATE ACH 4445023957050 VANTIV_INTG_PYMT BILLNG	$95.36

Vantiv is appropriate for a large company that operates with several bank accounts. The dashboard makes it very easy to toggle between separate bank accounts. Due to the fee structure and hidden fees assessed, I would not recommend this program to a small business as there are much more affordable options on the market.

Many customer support employees of Vantiv do not seem to know much about the Vantiv website. I have been transferred around to as many as four different people to get an answer to what I thought was a simple question. I am not sure if it would be possible to receive adequate support for a more complex issue.

Worldpay is better suited to brands/retailers with a limited budget who require a safe, secure, but basic payment gateway to launch a website with. You can be up-and-running with Worldpay in a matter of minutes and integrate a solution via their hosted payment page.

Worldpay does have limitations and I would recommend other payment gateways for more advanced customisations and payment requirements.

Vantiv is excellent for companies that need to be able to accept credit cards and want to keep accurate reports. However, if you ever need to contact customer service or your account rep, be prepared to be extremely frustrated. Vantiv recently merged with another company, and we are having a very difficult time getting information from our account manager about how to access out account now.