Moneta vs WorldPay
Compare payment processing fees and features. See how much your business can save by switching from WorldPay to Moneta's zero-fee stablecoin payments.
Savings Calculator
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Detailed Fee Comparison
| Fee Type | Moneta | WorldPay |
|---|---|---|
| Transaction Fee (%) | 0% | 2.75% |
| Fixed Fee per Transaction | ~$0.001 | $0.20 |
| Currency Conversion / FX Markup | 0% | 1.5% |
| Chargeback Fee | N/A | $15-25 |
| Settlement Time | Instant | 2-7 days |
| Withdrawal Fee | $0 | Varies |
Feature Comparison
Real-World Savings Scenarios
Online Retailer
$75,000/month
An e-commerce store processing card payments. WorldPay's 2.75% + $0.20 on $75K monthly equals $2,000+ in processing fees.
Restaurant Chain
$200,000/month
A restaurant group with multiple locations. WorldPay's fees across POS terminals and online orders add up to $5,500+ monthly.
Subscription Service
$50,000/month
A SaaS company with recurring billing. WorldPay's per-transaction fees on hundreds of monthly renewals compound quickly.
Enterprise B2B
$500,000/month
A large B2B company processing high-value transactions. Even at negotiated rates, WorldPay fees on $500K exceed $10,000 monthly.
Pros and Cons
Moneta
Pros
- Zero transaction fees (vs 2.75% + $0.20)
- No monthly or setup fees
- Instant settlement (vs 1-3 days)
- No chargeback risk or fees
- No PCI compliance required
- Self-custody of funds
- Works 24/7 globally
- Transparent, simple pricing
Cons
- No card payment acceptance
- No POS/in-person payment support
- No omnichannel integration
- Recipients need crypto wallets
- Less enterprise feature set
- No established merchant services
WorldPay
Pros
- Accepts all major credit/debit cards
- Extensive POS hardware support
- Omnichannel payment processing
- Enterprise-grade infrastructure
- 40+ billion transactions annually
- Comprehensive fraud protection
- Global merchant acquiring
- Alternative payment methods
Cons
- 2.75% + $0.20 per transaction
- Additional international fees (1-1.5%)
- Monthly fees ($10-50+)
- 1-3 day settlement time
- Chargeback fees ($15-25)
- PCI compliance required
- Complex pricing structure
- Long-term contracts common
Which Should You Choose?
Choose Moneta if you:
- Want to eliminate payment processing fees
- Process B2B payments
- Have crypto-accepting customers
- Need instant settlement
- Want to avoid chargeback risk
- Prefer simple, transparent pricing
- Don't need card acceptance
Choose WorldPay if you:
- Need to accept credit/debit cards
- Require POS/in-person payments
- Want omnichannel integration
- Need enterprise payment infrastructure
- Customers expect card payment options
- Require comprehensive fraud protection
Frequently Asked Questions
How does Moneta compare to WorldPay for enterprise payments?
WorldPay is designed for enterprise-scale card processing with omnichannel support. Moneta offers zero fees but focuses on stablecoin payments. For card acceptance, WorldPay is necessary. For B2B payments or crypto-accepting customers, Moneta eliminates processing fees entirely.
Can Moneta replace WorldPay for my business?
It depends on your customer base. If customers pay with cards, you need WorldPay or similar. If you can accept stablecoin payments (increasingly common in B2B, tech, and international trade), Moneta can dramatically reduce costs. Many businesses offer both options.
What about WorldPay's POS integration?
WorldPay excels at in-person payments with extensive POS hardware support. Moneta is primarily for online/remote payments. For brick-and-mortar retail, WorldPay's infrastructure is more suitable. For online or B2B transactions, Moneta offers significant savings.
How do chargebacks compare?
WorldPay processes card payments, which are subject to chargebacks ($15-25 fee per dispute). Moneta uses stablecoins, which are irreversible—no chargebacks possible. For businesses with high chargeback rates, Moneta eliminates this risk and cost entirely.
Is Moneta suitable for high-volume enterprise transactions?
Yes, Moneta handles any transaction volume with the same zero fees. Unlike WorldPay, which requires negotiation for enterprise rates, Moneta's pricing is transparent and consistent. A $1 million transaction costs the same as a $100 transaction.
What about PCI compliance?
WorldPay requires PCI DSS compliance for card processing, which involves security audits and costs. Moneta doesn't handle card data, so PCI compliance isn't required. This reduces both compliance burden and associated costs.
About WorldPay
WorldPay (now part of FIS) is one of the world's largest payment processing companies, handling over 40 billion transactions annually. Founded in 1997, it provides payment solutions for businesses of all sizes, from small merchants to enterprise corporations. WorldPay offers comprehensive payment acceptance including cards, digital wallets, and alternative payment methods, but its enterprise-focused pricing can be complex and expensive.
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