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Online Credit Card Systems for Business
Take Credit Cards on YOUR Websites
WorldPay Online Credit Card Systems for Business
If you are serious about getting your business on the Internet, or are looking for something that will jump-start your business online... then you need to be taking credit card orders.
We recommend and provide integration services for WorldPay. This is the online payments company that we consider to be the absolute best in their field, on or off the Internet. Othello Technology Systems use them, and have helped many others in implementing their sevices - we have seen how good they are.
One of the most significant benefits of WorldPay is their new WorldAccess facility, giving you a virtual-terminal vai theinternet allowing you take credit-card orders almost from day 1. This new technology becomes an online swipe card machine, validating much of the information, reducing fraud and enabling credit card processing for both online and offline business.
click here for a WorldAccess demo
Please use the following dummy username, password and card number to demo the WorldAccess service ...
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Please ensure that you do not insert anything in the security code or issue number if you wish to see the end-to-end authorisation process. The transaction will fail if there are characters in these fields.
WorldPay
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The WorldPay e-Commerce system allows for complete configuration of all aspects of a transaction originating from your web site. WorldPay is compatible with numerous third party shopping cart systems, including: Shop @ssistant, Actinic, Click & Build and Miva Merchant, as well as bespoke/custom services available with many ISP' hosting packages. |
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To apply for a WorldPay account today simply click on the above logo.
WorldPay - A little history.....
WorldPay Plc, founded in 1993 have product/service offerings that have expanded continuously, and are now in the enviable position of being able to provide potential customers worldwide with any or all of the components required in order to establish a business online.
WorldPay's products and services are the most cost-effective available today, and allow you to commence generating income for your company quickly and easily, with the knowledge that your online business has the backing of a world class company providing tried and tested, state of the art, bank approved eCommerce.
We are in the unique position worldwide in that we are able to approve up to 95% of all applicants for our multi-currency payment services, usually within 48 hours. During this time applicants can build their online store using our storebuilder, Click and Build, or a variety of other third party applications also fully integrated with our payment systems.
Our multi-lingual call centre will be happy to discuss any aspect of our company, products or services with you if you require additional information. They can be contacted on +44 (0) 1223 715151 (Europe).
WorldPay's payment processing solutions won the eCommerce Application of the Year at the 1999 Computing Awards for Excellence. The Award reflects the significant contribution WorldPay is making to the global growth of eCommerce.
About WorldPay
WorldPay are one of the longest established companies in eCommerce worldwide, with one of the largest client bases, that includes many household names as well as thousands of smaller businesses. From our earliest days we have innovated and consequently led the way towards today's general acceptance of eCommerce as a business fact of life.
WorldPay has many firsts in its history and has been a pioneer in the development of eCommerce from its early days. We have seen many changes over the years and as the eCommerce market matures WorldPay is ideally positioned as a forerunner in the industry, through its wealth of knowledge and past experience, to provide you with the eCommerce solutions you need to make a success of your business online.
WorldPay's product and service offerings are unique in the eCommerce arena, making us the provider of choice for customer and partner companies worldwide, including many household names, such as:
MacMillan Cancer Relief, Oxfam, Christian Aid, Amnesty International, Princess Diana Memorial Fund, The Economist, NetNames, Celtic FC, Paris St. Germain, Darlington FC, Grimsby FC, Newcastle RC, London Irish RC, English National Ballet, Deloitte and Touche, MacMillan Publishers, Financial Times, Digital Workshop (Paintshop Pro), Thawte, BannerBuy, Virgin, Freeserve, PSINet, News International, Lafferty, Carlton Television, Twinings, Russell Grant, Mars, Channel 4, British Standards Institute, PC World, National Data Corp, UPS.
Our systems are bank endorsed, and are constantly being enhanced and supplemented in order to always provide our customers with solutions that will meet their needs. We use leading edge tools and techniques to ensure secure, feature rich and flexible products and services are provided to our clients.
We can provide any value, multicurrency payment acquisition facilities to 95% of all applicants worldwide, in as little as 48 hours. Currencies available exceed 170.
We have a global outlook and presence, in that we provide multicurrency and multilingual eCommerce systems, recognise the leading cards used worldwide and have multilingual sales and support offices around the globe.
We provide the most cost effective solutions available, with our fee being only £150 per annum and our transaction charges never exceeding 4.5% (this figure includes bank and card company charges). We also give payment facilities in five currencies.
WorldPay stand in a unique position worldwide in that we can now offer any or all components of a complete eCommerce solution to our clients, backed with the industry experience and technological expertise to ensure customer confidence in us as their online business partner.
Products
Click and Build - Our unique multi-currency store builder is an all-in-one eCommerce website construction tool that is simple to use and requires no technical expertise. www.clickandbuild.com
Single Currency Processing - Allows transactions and remittance in one of 22 currencies
Multi-Currency Processing - Allows transactions in 169 currencies and remittance in one of 22
WorldAccess - Virtual terminal for manual entry of credit-card transactions
WorldAccount - A server based electronic wallet that allows low to mid value transactions in one of 22 currencies, remitting in any of the 22
FuturePay - Allows repeated payments after an initial transaction (under the customer's control)
Like in daily life, E-business companies need to take payment for goods and services by scheduled payments payable weekly, monthly, quarterly or annually (such as a direct debit or standing order).
As the demand for such payment flexibility exist on the Internet, WorldPay has developed an online version of these payments models. The solution generically refereed to as "FuturePay" allows for payments to be taken periodically by credit or debit card. This is ideal for subscriptions to web sites, online newspaper and magazines, hosting services... In fact any application where payments are taken in installments.
Two models exist: one for a fixed payment amount which is taken at scheduled intervals and the other is for variable payments, usually billed after the event when the total value to be charged to a customer is known.
The Key benefits are:
- Processing managed by WorldPay
- WorldPay's online Merchant Management System (MMS) and Cardholder Management System (CMS) provide transaction reporting to the merchant and the cardholder.
- Notification sent to both customer and merchant when each payment is processed
- Customer or merchant can cancel a scheduled payment at any time
- Customer can be given a choice payment terms, payments dates and, in the case of variable payments, they can pre-set the maximum amount they agree to be debited from their card in a single transaction
Services
WorldDirect - Our unique rapid risk assessment and customer acceptance procedure
Integration Tools - Allows customers to integrate their applications into the WorldPay payment gateway
Integration Cartridges - A range of off the shelf cartridges enabling the merchant to quickly and easily integrate into leading shop building applications
Customer Management System and Shopper Management System - Our back office reporting systems for both our customers and shoppers.
If you require more detailed information on these please visit www.worldpay.com, where you will find a product selector to make your choice of products/services easier. You will also find information on security arrangements, as well as a demonstration of payment processing services.
WorldPay solutions use a variety of bank-approved encryption systems, ranging from the standard SSL and PGP proto-cols to a number of in-house developed systems that ensure our customers and their shoppers receive the level of security needed to make them confident when trading on-line.
We hope that this factsheet answers any queries you may have, but if not please contact us for more details.
If you want to sign up for any of the WorldPay services, please contact our representatives at Othello Technology Systems.
Registered Charities
Registered charities who choose a merchant account with WorldPay through WorldDirect can benefit from a reduced set of charges of 2.75% and are exempt from the annual fees. Prices and SettlementWorldDirect - WorldPay's merchant account
For world direct you do not need a merchant account for internet credit card processing, or a secure server.There is a one-time only £75 account setup fee. This includes allocating your Merchant Ref/ID and 3 base currencies (normally GBP, EUR and USD) There is an annual charge of £150, and should you require more currencies, these are charged at £50 each (annually).
World Direct allows you to accept payment via Visa, Mastercard, Delta, Eurocard, Solo and Switch. If you require Amex or Diners you do need to contact these card issuers individually.
The per-transaction charges are 4.5% per transaction on credit cards and 50p per transaction on debit cards. There are *NO* additional bank processing charges.
Lastly there is a settlement period (usually of 4-6 weeks), and a weekly remittance to bank fee of 35p. Settlement is paid into your chosen bank account.
BankDirect - WorldPay Bank Acquired
For bank direct you must already have a merchant account for internet credit card processing. This means your bank (where your business account is held) will issue you a Merchant ID number. Please note only NatWest Bank Acquired Merchants can accept multi-currency, currently no other UK bank allows multi-currency.There is a one-time only £75 account setup fee. There is an annual fee of £150.
The per-transaction charges are negotiable but generally 2% per transaction on credit cards and 25p per transaction on debit cards. These charges exclude your banks charges, so you must factor those in as well.
Finally, there is a settlement period of 3 days. Payment is made into the bank account provided by yourself.
World Access
Online solution for offline payments.WorldAccess is an Internet-based point-of-sale solution that enables you to accept payments from your shoppers by phone, fax or post. Using WorldAccess you pass those payments through the WorldPay system, on the shoppers behalf.
There is a one-time only £100 account activation fee.
You do not require an Internet store integrated with our WorldPay systems as you can start taking payments through WorldAccess as soon as your application has been accepted.
click here for a WorldAccess demo
FuturePay
Continuous debit authorities - similar to standing orders. Designed for taking subscriptions/regular payments.There is a one-time only £100 account activation fee.
WorldGuarantee - Chargeback Protection
For WorldDirect customers only a guarantee against chargebacks can be provided for a monthly fee of £20.A chargeback occurs when the bank that issued the debit or credit card to a person who purchases goods/services from your business, reverses the transaction for whatever reason. In addition to you having the money taken back there is also a chargeback fee of £10 levied for each chargeback. A charge-back can happen at anytime, often months after the transaction, and for any number of reasons - the customer claims the goods never arrived or are faulty, the card was fraudulently used or stolen.
WorldPay's Guarantee service offers you the merchant financial protection against the costs of fraudulent chargebacks, by *not* passing the charges onto you.
WorldAlert - Fraud Protection
WorldPay's anti fraud system is a standard component of the WorldDirect package.Now available as an add-on to BankDirect, for a fee 6p per transaction, and an optional configurator for you to set your own rules is available for a fee of £30/month.
HOW DO I INTEGRATE WITH WORLDPAY?
WorldPay provides you with a secure payment page located on our secure server. You will need to establish a link between your website and the secure server. Once you've applied, we will set up a test account on the staging server where you will find the payment page templates. You will be able to customise it to a certain extend to reflect the look and feel of your website (colour, font, addition or removal of fields..).
When a customer clicks to buy an item, he is connected to the WorldPay secure payment page. The information which we need to process the transaction consists in variables such as total cost (including VAT and postage if applicable), product description, quantity, currency used, etc.. These variables need to be passed over to the secure server in plain HTML format.
The credit card details are captured on our secure server using SSL encryption, therefore you do not need a secure server facility on your site. The information transfered over to the secure server is not sensitive, ie carrying the cards details. A price CSV file can be stored on our secure server, or a basket reference ( unique ID) using Data Fetch can be issued to prevent fraudulent amendments to the content of the basket. The confirmation email sent to the merchant can be PGP-encrypted if required, but the merchant will need to provide us with a key to call back to his server.
Othello Technology Systems can integrate the WorldPay processing into your current website Contact Us for a quote ...
| WorldPay Fees | |
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| WorldDirect Setup Fee | £75 |
| Annual Fee (includes 3 free currencies) | £150 |
| Additional charge per currency | £50 |
| extras... | |
| FuturePay Setup Fee | £100 |
| WorldAccess Setup Fee | £50 |
| Service charges per transaction... | |
| Debit Cards | 50p |
| Credit Cards | 4.5% |
| Fraud-detection service (WorldAlert) | 6p |
| Remittance Charges... | |
| Remittance in GBP to UK bank accounts | 35p |
| Remittance in any other currency to UK or non-UK bank accounts | £2.50 |