Time-bound rate review
Worldpay just put your card fees up.
The interchange-driven re-price on Visa Business Debit and Credit lands on your statement from 1 August 2026. Send us your last full month and we will model the new monthly cost — both at Worldpay and at Clover — so you can decide whether to stay or switch before it hits.
What is changing
Mastercard interchange changes flow through to acquirers as basis-point fee rises — typically around 30 basis points on Visa Business Debit and 20 on Visa Business Credit when re-priced. Worldpay's scheduled re-price applies these from 1 August 2026.
Your impact depends on the share of your card volume that runs on those scheme/categories. For a hospitality merchant doing £50,000 a month with a typical mix, the uplift is in the tens to low-hundreds of pounds per month — quiet, recurring, easy to miss.
What we do
Model both sides on your real statement
We rebuild your last month's card cost on the post-1-August Worldpay schedule, then on the same volumes at Clover's interchange-plus pricing. Both numbers on one page.
Quote inside one business day
Statement in, comparison out. No discovery call required. You decide whether the saving is enough to switch before the re-price lands.
Fixed-rate switch — no creep on the new contract
If you switch, the rate is contractually fixed for the duration. No further re-price for the term of your agreement.
Why merchants switch
Switching off Worldpay
—%
Indicative saving vs Worldpay
awaiting sign-off
£—
Avg monthly delta on a £50k merchant
awaiting sign-off
1 Aug 2026
Worldpay re-price effective date
confirm with Worldpay
Rate calculator
Where you would land
The sliders use the same interchange-plus inputs we would use on your statement-based comparison. Worldpay's re-priced numbers come from your actual statement, not a slider.
Adjust the sliders for your card turnover and Clover Flex monthly terminal price
Indicative interchange+ rates for a Clover Flex on our standard merchant plan. Final pricing is confirmed on your signed agreement.
Send a statement
Send your last full month
Drop your business details and we will reply with where to send a statement to. The comparison comes back the same business day.
Office
+44 1442 899 544WhatsApp
+44 7308 842 251Email
hello@thepaymentsexpert.com
Questions about the re-price
- Will I have got a letter from Worldpay?
- Yes. Worldpay is contractually obliged to notify ahead of a fee change. The letter usually quotes the basis points; what it does not quote is the £/month impact on your specific mix — that's the part the comparison fills in.
- Do I have to switch?
- No. Some merchants will be on a mix where the impact is small. Most are not. The comparison tells you which camp you are in before you commit either way.
- What if I am already in a Worldpay contract?
- Most Worldpay contracts have a notice clause that opens around a material fee change. We look at the contract wording before recommending a switch — there is no point quoting savings you cannot take.
- Is Clover's rate also going up on 1 August?
- Clover passes interchange changes through too — interchange is set by the schemes, not by acquirers. The difference is our base spread, which is smaller, and we contractually fix it for the term of your agreement. The net effect is a lower starting point and no further surprises.
- How long does the switch take?
- From signed agreement to new terminal on the counter is typically five to ten business days. We can time the cutover to land on or before 1 August so you never trade on the higher rate.
Send your last statement before the re-price lands.
Same-day comparison. Either we save you money, or we tell you to stay where you are.