As a small business owner, you are considering using Cardsave for your payment processing? But do they offer telephone payments, how good are their credit card machines and is there a lengthy contract? You’ve come to the right place!

Here is the top guide offering the best insight into their tailored pricing plans, card processing services, fraud protection and bonus extras.

Card Processing & Payment Services

Cardsave (WorldPay) accepts payments in over 140 currencies. These are accepted through different card brands such as Visa, Mastercard, American Express and JCB.  Originally they offered countertop card machines, portable card machines and mobile card machines only. More recently, this has also included both ecommerce and mail/telephone payments. Businesses can use the ‘My Business Dashboard’ giving them valuable insights into their performance. The ‘WorldPay Benefits Club’ also helps businesses with the tools to save money, attract new customers and improve online selling.  

A number of other services are available including: 

  • Future Pay: Manage recurring payments.
  • eInvoicing: Schedule invoicing timeframe.
  • Risk Manager: Protection against fraud (10p per transaction).
  • Virtual Terminal: Accept unlimited telephone payments.

Contracts & Features

Cardsave (WorldPay) offers a 3 year contract with an auto-renewal for an additional 12 months. The only way a business can exit an extension is to write to the company within 30 days of the renewal, to request a cancellation. Otherwise the cost of renewal and early termination fees would be due in full after this period. It is important that all terms and conditions are read and understood before entering into an agreement. 

Their relatively affordable contract includes: 

  • Recurring Payments.
  • Business Manager.
  • Different payment types.
  • Fraud screening.  
  • 24/7 UK based support.
  • Merchant Management System. 
  • Integrated payment gateway.
  • Bespoke payment forms.

Pricing & Fees

Cardsave (WorldPay) provide payment plans which are dependent on monthly transaction turnover. Even so, these guide prices are a good starting point for face-to-face and online payments.  

Face-to-Face Payments
Contract Type Transaction Volume Setup Fee Monthly Fee Sample Features
Pay as you go Low None* None 

18 month contract

My Business Dashboard

Virtual Terminal

WorldPay Benefits Club

Pay By Link

Fixed monthly Medium None £49.99 

18 month contract

24/7 UK Support

Payments Gateway

‘Lite’ Version available

Virtual Terminal

Terminal Replacement

Standard High None £15.45

18 or 36 month contract

Pay By Link

Virtual Terminal

Business Offers

*Once-off terminal fee of £150


Online Payments
Contract Type Transaction Volume Setup Fee Monthly Fee Sample Features
Pay as you go Low None None

10p per transaction

Future Pay

Business Manager

Pay By Link

Choice of Extras

Fixed monthly Medium None £49.99 Risk Manager

Virtual Terminal

WorldPay Benefits Club

Payments Gateway

24/7 Support

Standard High None £19.95* Up to 350 transactions

Future Pay

Personal Offers

Recurring Payments

*Not inclusive of PCI Annual Fee £29.99

(Please note: All Information accurate at the time of publication)

Pros & Cons

Cardsave (WorldPay) has a mixed bag of reviews on independent websites like Trustpilot. The company currently has a score of 3.5/5. Most complaints are about contractual issues, hidden costs and technical issues with terminals. Despite this, customers tend to rate the quality of the service highly. Below the main positives and negatives are listed.


  • Next day terminal replacement.
  • Great Customer Support.
  • Fast account setup time.
  • Intuitive technology.
  • Competitive pricing model.
  • Flexibility for smaller business.


  • Reports of hidden charges.
  • Incorrect billing amounts.
  • Regular issues with hardware.
  • Merchant funds being withheld.

Our Verdict

Cardsave was set-up to help reduce the processing charges of major banks. This aim has long since been achieved through it’s high-quality services which are supported by affordable contracts. As part of WorldPay, client businesses continue to benefit from a service backed by one of the largest payment processors. Any business searching for a reliable processor should seriously consider this company.