Comparison
Worldpay vs Lloyds Cardnet
Two long-established UK acquirers. Worldpay's scale suits larger and multi-site merchants; Lloyds Cardnet is often bundled with Lloyds business banking.
| Consideration | Worldpay | Lloyds Cardnet |
|---|---|---|
| Pricing model | Blended or Interchange Plus | Blended or Interchange Plus |
| Typical contract length | 12 to 48 months | 12 to 36 months |
| Terminal hire | Usually separate | Usually separate |
| Settlement | Standard, faster available | Standard, faster available |
| Best fit for | Mid-market and multi-site merchants | Lloyds business banking customers |
Pricing
Both can offer Interchange Plus at scale. The banking relationship often drives the deal at Lloyds; Worldpay pricing depends heavily on the introducing channel.
Contracts
Both run separate merchant and terminal agreements. Always check both before deciding.
Suitability
Choose by banking relationship and scale rather than headline rate.
We don't declare a winner. The right provider for your business depends on your turnover, card mix, transaction values and existing contract position. Upload your statement for a personalised review.
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