IPC Capability

The following sections summarise the features Supported by country for the available acquirers through Worldpay Total:

CountryStreamlineBarclaycardFIPS (Planet DCC Acquiring)AmexH-Vantiv
UKSupportedSupportedSupportedSupportedNot supported
ROISupportedNot supportedSupportedSupportedNot supported
FranceSupportedNot supportedNot supportedSupportedNot supported
GermanySupportedNot supportedSupportedSupportedNot supported
NetherlandsSupportedNot supportedSupportedSupportedNot supported
USNot supportedNot supportedNot supportedAmex transactions supported via H-VantivSupported

Capability glossary:

Glossary of terms

  • WPT is the Worldpay Total Managed Payment Service.

  • The WPT payment gateway is Emboss, also referred to as the WPT (Worldpay Total) Central Payment service.

  • There are two WPT payment applications: IPC (Retail) and HPA (Hospitality).

    a)IPC (Retail) is deployed on each point of sale in the customer’s estate and normally there is one installation of IPC per PED. Transaction requests from an EPOS application to IPC are immediately processed on the PED.

    b)HPA (Hospitality) is usually deployed on platform per merchant outlet. Normally each installation of HPA controls many PEDs. Transaction requests from an EPOS application to HPA may be immediately processed on the PED in Pay@Counter mode or queued for later processing in Pay@Table mode. For more information, please refer toWorldpay Total Hospitality Integration Guide.

  • Attendance mode: Options are a) Retail: fully attended by a server or a sales assistant b) Semi-Attended: for example, a supermarket self-service checkout, where the cardholder may be served from a nearby fully attended payment point if their card cannot be processed via the self-checkout

  • PCI-DSS: The Payment Card Industry Data Security Standard. Merchants that process payment card data are required to be compliant to PCI: DSS. Depending on number of transactions processed, some merchants are required to undergo an annual PCI-DSS assessment by a Qualified Security Assessor(QSA).

  • E2EE: End to End Encryption. The WPT service implements End to End Encryption of payment data whereby the data is encrypted by the PED and decrypted only when it reaches the WPT Central payment service. The merchant has no access to decrypt the data as it traverses their network.

  • P2PE: Point to Point Encryption. The WPT managed service is a Payment Council listed P2PE level 2 solution. Not all WPT supported PEDs are included in the P2PE solution listing - please consult the feature tables.

    Deployment of a PCI listed P2PE solution can virtually eliminate the risk of compromised credit card data in a retail environment, reducing the scope and cost of a merchant’s PCI audit. To qualify, the WPT solution must be implemented in the merchant’s environment following the PIM (P2PE Instruction Manual). For more information please discuss with your Worldpay contact.

  • PIN verification method: options are online PIN and offline PIN. In the UK and Republic of Ireland, the PIN is verified ‘offline’ to the issuing bank via local interaction between the card and the PED. In many European countries the PIN is transmitted by WPT to the issuer to be verified 'online'.

  • Card Schemes: the supported card schemes are Visa, Mastercard / Maestro, JCB, Diners / Discover, and American Express. Some limitations apply as detailed in the feature table.

  • 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 band on the back of a card
    • PKE: PAN (Primary Account Number) Key Entry is the fall back when the above sources are declined. The WPT Service is configured by default to decline PKE transactions. To enable PKE please discuss with your Worldpay contact.
  • 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 merchants to accept card payments by phone or fax and process those payments through the online Worldpay payments service. For more information see http://support.worldpay.com/support/kb/bg/moto/moto1000.html

    • Pre-Auth and Zero-Auth: Customers can use this feature to reserve funds on the shopper's card without immediately taking payment. This gives them more time to review the transaction and detect potential fraud. Authorisations use the same request as a normal order, with an additional flag. Once the merchant decides to take payment, a capture request is sent.

  • Ancillary services: Supported ancillary services are:

    • DCC: Dynamic Currency Conversion, 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. Worldpay Total uses Planet Payments as the provider of the own currency offer and the acquirer of DCC transactions.

    • TFS: Tax Free Services enable travellers outside Europe to receive a VAT refund on goods.

  • Ancillary services (continued)

    • Gift Cards : WPT supports PPS (PrePay Solutions) Gift Cards.
    • Closed Loop : WPT supports the Flexecash Love2Shop/Love2Reward pre-paid card scheme.
    • Open Loop : WPT supports the One4All, Me2You pre-paid card schemes.
    • Pennies: Customers are prompted by the card machine to donate to charity. Contact and contactless transactions are supported.