Compare
Side by side from each provider's own published terms: who can apply, what it costs, the accounts and cards, and how your money is held. Nobody pays to be listed, and Finzil doesn't rate providers.
Stripe
E-money institution · Payments and financial account
Online payments platform for companies in 44 countries: card and local payment acceptance, balances in USD, EUR and GBP, payouts and card issuing, built for developers.
Worldpay
Payment institution · UK merchant account
Card acceptance for shops and online businesses: card machines, online payments, pricing in many currencies and payouts in 135+ currencies. A merchant account, not a business bank account.
From the two provider profiles on Finzil, latest check 13 October 2026: each provider's own website, price list and terms.
The short answer
Side by side
A gap means the provider doesn't publish it; ask before you apply.
| The basics | Stripe | Worldpay |
|---|---|---|
| Account | Payments and financial account | UK merchant account |
| Provider type | E-money institution | Payment institution |
| Licence | E-money institution in Ireland; also licensed in the UK and the US | Payment institution in the UK; also licensed in the Netherlands |
| Licensed company | Stripe Technology Europe, Limited | Worldpay Limited |
| Headquarters | United States | United Kingdom |
| Who can apply | Stripe | Worldpay |
|---|---|---|
| Where the company is registered | 44 countries | Not published |
| Legal forms | Not published | Companies, Charities |
| Businesses not supported | 16 kinds on its list | Not published |
| What it costs | Stripe | Worldpay |
|---|---|---|
| Monthly fee | Free | Custom |
| Setup fee | Free | Free |
| Plans | Standard: free | Tailored pricing: custom |
| Currency exchange | From 1% | Not published |
| Accounts and payments | Stripe | Worldpay |
|---|---|---|
| Currencies | 3 | Not published |
| Cards | Virtual and physical cards through Stripe Issuing | Accepts Visa and Mastercard; no business card issued |
| Opening and safety | Stripe | Worldpay |
|---|---|---|
| Opening time | 3–5 days | 3–5 days |
| TrustpilotThird-party score, shown for reference. Finzil doesn't rank providers by it. | 1.6 from 17,542 reviews | 4.2 from 10,526 reviews |
From the profiles
Strong points
Watch out for
Strong points
Watch out for
Our view
Finzil's own opinion, kept apart from the facts above.
Stripe is the standard way to take payments online if your company is in one of its 44 countries, and nothing is easier to start with. It is a payments tool first; the balance and cards do not replace a business account. Its restricted-business list is long and accounts are closed when a business falls outside it, so read it before building on Stripe.
Worldpay is a long-established choice for taking card payments in shops and online, with a good Trustpilot score for a payment processor. Prices are set case by case, so compare the quote with others. It is a merchant account only, and you still need a business bank account behind it.
It depends on how you use the account. Monthly fee: Stripe free, Worldpay custom. Currency exchange: Stripe from 1%, Worldpay not published. Transfers and cards are priced line by line in the table on this page, from each provider's own price list.
Neither is a bank. Stripe is an e-money institution, licensed in Ireland. Worldpay is a payment institution, licensed in the UK.
Stripe: 44 countries. Worldpay: not published as a list. Each provider's profile on Finzil lists the countries in full.
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How this page is built: every row comes from the two provider profiles on Finzil, which are taken from each provider's own website, price list and terms (latest check 13 October 2026). Prices and rules change; check them with the provider before you apply. Meeting a provider's published rules does not mean it will approve a particular application. General information, not legal or financial advice.
