A range of integration methods are provided through WorldPay Select™ to meet the needs of a diverse community of E-commerce traders. These methods provide support for solutions from small one-off customised applications through to large organisations integrating their own legacy systems with the help of third-party developers.

WorldPay Select payment pages are responsible for capturing shopper card details, removing the need for the customer to have a secure web-server or secure shopper databases, whilst a callback model allows the customer site to respond appropriately to card authorisations. This callback system can be used to provide information to web applications that need to be dynamically updated in response to authorisation messages.

All transactions are encrypted using 128 bit Secure Socket Layer (SSL) architecture (dependent on browser support), and are signed using Thawte digital certificates.

Payment Pages

Building and maintaining confidence in the Internet as a safe environment to conduct E-commerce is critical. To remove the burden from you of having to install and maintain a secure infrastructure, WorldPay handles the point of transaction within any given solution.

This means that, as soon as a customer has finished selecting the items they wish to buy, they are routed to the WorldPay secure environment and payment pages and only at this point are they invited to enter their credit or debit card details.

The WorldPay payment pages are therefore a 'secure extension' of your own shop within which it is safe to transact. Once an authorisation or decline is received from the card schemes, the response and the customer are 'passed back' to your store.

To achieve the benefits provided by the WorldPay Payment Gateway and Payment Pages, you must integrate your store to WorldPay. See integration for more information.

Security

WorldPay has a range of security solutions to make E-commerce a safe trading environment for you and your customers. For obvious reasons, the detail on this is confidential, however WorldPay can confirm that all transactions processed are encrypted using 128 bit Secure Socket Layer (SSL) architecture (supported by almost all web browsers) and are signed using Thawte digital certificates.

Because the credit card entry form is generated by and transmitted directly to the WorldPay server, the security of the server that your website is hosted on is immaterial. You do not have to be responsible for the security of Credit Card information.

It is important to recognise that WorldPay security solution has been endorsed by leading global banks.

Pre-Auth Option

WorldPay supports Pre-Authorised payments. When the shopper enters their Credit Card details, WorldPay validates the card with the issuing bank and puts a hold on the amount, but does not debit the shopper's account immediately. You then have five days to complete the transaction via the WorldPay CMS before the transaction lapses. This allows you to check inventory (many online shopping systems do not have live inventory management, so you can run out of stock), or do a manual quote on non-standard shipping etc. before completing the transaction.

Pre-authorisation also helps if your store receives many fraudulent transactions (e.g. using stolen cards that have not yet been reported). If you receive a suspicious transaction (e.g. high value with a shipping address in a 'risky' country), you can contact the buyer for further verification that they are genuine. This saves having to process refunds or worse still, incurring chargebacks.

Customer Management System(CMS)

CMS is a service provided to all WorldPay merchants that enables them to access their account information online. Access to the system is provided by username and password, and upon entering the system you can view the transactions passing through your account.

Information provided within this system not only contains your shoppers' names, addresses, value of transactions etc. but also your settlement details and currency conversion rates (if applicable). This facility will give you the peace of mind that your transactions are being processed and the information relating to them is being safely recorded. This is available 24 hours a day, seven days a week and is updated in real-time giving you access to your information when it is needed.

Key Features

1. Access to online statements in real-time.
2. Automatic refunds.
3. Search facilites.
4. Deferred payments.
5. Passwords can be changed at any time.