Worldpay vs Lloyds Cardnet

Worldpay and Lloyds Cardnet both serve small businesses as well as larger organisations. You do not need a Lloyds bank account to apply for Cardnet. Compare the payment service you need rather than assuming your bank or turnover determines the right provider.

Consideration	Worldpay	Lloyds Cardnet
Pricing	Request a quote for your actual card activity	Request a quote for your actual card activity
Banking requirement	Confirm the accepted settlement account	A Lloyds bank account is not required
Contract information	Online application offer has a minimum 18-month term; other offers need checking	FAQ states a minimum six-month merchant agreement; terminal terms are separate
Equipment	Confirm purchase/rental and integration terms	Check any separate terminal rental commitment
Cash flow	Confirm cut-offs, weekends and account conditions	Confirm cut-offs, weekends and account conditions

Do not use a bank relationship as the shortcut

If you bank elsewhere, Lloyds Cardnet can still be an option, subject to approval. Ask both providers to quote for the same settlement account, terminals and payment channels. Existing banking familiarity can be convenient, but it is not evidence that the payment deal costs less.

Compare the agreements actually offered

The public terms above refer to specific published offers, not every existing account. Ask for start and end dates, cancellation notice and any equipment commitment in writing. When switching, check your current merchant and terminal agreements independently; ending one may not end the other.

Check practical support before changing

For a business trading at weekends, ask who takes a payment-failure call and how a failed terminal is replaced. For online sales, confirm your gateway and shopping-cart setup. Compare the full bill, transition costs and operational fit before deciding whether to move.

We don't declare a winner. The right provider for your business depends on your turnover, card mix, transaction values and existing contract position. We can review your current deal and compare suitable options from our selected network. No statement or competing quote is needed to get started.

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Sources and checks

Public information checked 2026-10-11. This is a practical comparison guide, not a personalised quote. Your product, sales channel and existing agreement may have different terms.

Provider names and trademarks identify the products discussed; their inclusion does not imply endorsement of this page. Card Payment Connect compares suitable options from a selected provider network, not the whole market. If you choose a provider we introduce, that provider may pay us a referral fee.