Worldpay vs Square: Enterprise vs Startup Card Machine

Alex Beardsley
Alex Beardsley
Updated September 2026

Established enterprise provider vs modern startup solution

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Choose Worldpay If:

  • You want a quoted rate rather than a published one
  • You need the wider product set: Worldpay 360 POS, eCommerce, gift cards, pay-by-link
  • You want PCI DSS compliance support through a managed portal
  • A business cash advance against card sales is of interest
  • Multi-site, where a single account across locations matters

Choose Square If:

  • You want the price before the sales call: 1.75% on UK cards, published
  • £0 a month on the Free plan, with Plus packages from £29 if you need them
  • Hardware priced openly, from £19 ex VAT for the Reader
  • No contract, and next-day transfers as standard
  • Small or new business that needs to start this week

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Sources and references

  1. Worldpay UK: payment processing services
  2. Square UK: card readers and pricing
  3. Dojo: card machines, pricing and support
  4. UK Finance: payments and card market data
  5. Payment Systems Regulator: card fees and rules for UK merchants
  6. Financial Conduct Authority: payment services regulation

Common questions

Which is better: Worldpay or Square?▼

They price in different ways, which decides most of it. Square publishes its rates: 1.75% on UK cards in person, a £0 monthly Free plan, Plus packages from £29 a month and hardware from £19 ex VAT. Worldpay publishes no rates, hardware prices or monthly fees for small businesses on its UK site at all; it quotes on application through an online form or a sales conversation. So Square is the one you can cost before you talk to anyone, and Worldpay is the one to approach when a bespoke quote and a wider enterprise product set are worth the conversation. Checked at both providers on 8 September 2026.

CapExpand Ltd (Company No. 14433858) is an authorised Dojo partner, not a card machine manufacturer. Card machine pricing and availability are subject to change. Our card machine services are not regulated by the Financial Conduct Authority and fall outside our appointment as an Appointed Representative of White Rose Finance Group Limited, which covers credit broking only.