Global support - Acquirer / Territory / Scheme support

This topic gives detailed information on how IPS differs from country to country.

General information and definitions

The Integrated POS payment gateway is called EMBOSS, also known as the Integrated POS Service.

IPS (Retail)

IPS (Retail) is deployed on a server or stand-alone POS hardware. IPS (Retail) is configured for one or multiple payment terminals in the merchant's environment. Transaction requests from a POS application to IPS are immediately processed on the payment terminals.

Attendance mode = Fully attended by a sales assistant.


The Payment Card Industry Data Security Standard. See thePCI DSS websitefor more details.


Point to Point Encryption. The Integrated POS managed service is a Payment Council listed P2PE v2.0 product.

Use of a PCI listed P2PE product can virtually eliminate the risk of compromised credit card data in a retail environment. This has the benefit of reducing the scope and cost of your PCI audit. To qualify, you must implement IPS in the your environment according to the PIM (P2PE Instruction Manual). For more information, contact your Worldpay relationship manager (RM) or Worldpay Customer Support.

PIN verification method

There are two variants for PIN verification; online PIN and offline PIN.

In the UK and Republic of Ireland, the PIN is verified offline to the issuing bank through local interaction between the card and the payment terminal. In many European countries the PIN is transmitted by the Integrated POS Service to the issuer to be verified online.

Card schemes

The supported card schemes are:

  • American Express

  • Diners/Discover

  • JCB

  • Mastercard/Maestro

  • Visa

Some limitations apply, see the topics below for details.

Transaction source

The standard transaction sources are:

  • ICC: Integrated Card Circuit, commonly known as Chip & PIN
  • CTLS: Contactless, including mobile wallets such as Android Pay, Apple Pay and Samsung Pay
  • Magstripe: the magnetic strip on the back of the card
  • PKE: PAN (Primary Account Number) Key Entry is the fall back when the above sources are declined. The IPS is configured by default to decline PKE transactions. To enable PKE, contact your Worldpay relationship manager (RM) or Worldpay Customer Support.

Transaction types

The supported transaction types are:

  • Sale: including Authorised, Declined or Referral responses
  • Refund
  • Sale with gratuity
  • PWCB: stands for Purchase with Cashback
  • MOTO: Mail Order Telephone Order: This feature enables you to accept card payments by phone or fax and process those payments through the online Worldpay payments service. For more information see theMOTO guide
  • Pre-Auth: You can use this feature to reserve funds on the shopper's card without immediately taking payment. This gives you more time to review the transaction and detect potential fraud. Once you decide to take payment, you send a settle request to IPS.

Value added services

The ancillary services are:

  • DCC: Dynamic Currency Conversion. The feature is available soon. It allows international customers to pay for goods in their own currency if they use a Visa or Mastercard at the point of sale, rather than the local currency. SeeDCCfor more details

  • Pennies: Customers are prompted by the card machine to donate to charity. Contact and contactless transactions are supported. SeePenniesfor more details