US and Canada domestic acquiring
Worldpay can provide domestic acquiring for:
- The United States of America (USA) - for payments made to US-based companies
- Canada - for payments made to Canada based companies
For this, be aware that:
- You must have a legal entity and bank account in the respective country
- There are some Merchant Category Code (MCC) restrictions. For more information, contact your Relationship Manager
The standard payment processing features that are available in the US and Canada.
Authorization, capture, reversal and refund requests are supported. Sale and void are also available through this connection, with sale being required for
You can check the validity of a card by submitting a zero value authorization. For more information, see
The following consumer authentication services are available, for more information see
- Address Verification Service (AVS) and Card Verification Code (CVC)
- American Express Advanced Verification (AAV)
- 3D-Secure (Visa and Mastercard only)
Best practice: We recommend that you provide all address fields in your submissions as this might help lower your interchange rates. However, only
<postalCode> (the zip code) and
<countryCode> are mandatory because, in the United States and Canada, shoppers generally only provide these when making online payments.
You can add dynamic statement narratives to your submissions. This can include certain fields such as order code, description or ticket code. You can either provide a phone number or a URL, and a descriptor.
- Phone - allows you to include your phone number. For the phone, the maximum length is 13, and can only contain numbers from 0 to 9. You cannot include letters or special characters.
- URL - allows you to provide a URL. For the URL, the maximum length is 13 and can include any of the following: A-Z, a-z, 0-9, /, \, -, ., or _. We strip http://, https:// and www. from the URL, so http://www.worldpay.com becomes worldpay.com.
- Descriptor - The descriptor is from 4 to 25 characters. For example, Worldpay-OrderCode1234.
Note: If you include a prefix, it must be either 3, 7 or 12 characters in length. You must use an asterisk
(*)after the prefix as a separator, in one of the following positions: 4th, 8th, or 13th. Do not use an asterisk in more than one position. These characters are valid: numbers, letters and these special characters: & * , - . # and space
Extended response codes
Take control of the consumer experience by enabling extended response codes, see
|8||APPROVE AFTER IDENTIFICATION|
|19||REPEAT OF LAST TRANSACTION|
|21||REVERSAL NOT PROCESSED, MISSING AUTHORISATION|
|43||STOLEN CARD, PICK UP|
|54||DECLINED, EXPIRED CARD|
|55||INVALID SECURITY CODE|
|58||TRANSACTION NOT PERMITTED|
|70||CONTACT CARD ISSUER|
|74||ALLOWABLE NUMBER OF PIN TRIES EXCEEDED|
|80||AMOUNT NO LONGER AVAILABLE, AUTHORISATION EXPIRED|
|82||NEGATIVE CAM, dCVV, iCVV, OR CVV RESULTS|
|91||CREDITCARD ISSUER TEMPORARILY NOT REACHABLE|
|102||INVALID CARD ISSUER|
|398||SURCHARGE NOT SUPPORTED|
|606||THE CARD IS NOT APPLICABLE TO THE SERVICE|
|975||REVOCATION OF ALL AUTHORIZATIONS ORDER|
Note: These response codes are specifically for our US and Canada domestic acquiring platform. View the WPG
Level 2/3 data
Reduce cost by supplying additional purchase data in order to qualify for preferential interchange rates.
Reduce cost by supplying additional lodging data in order to qualify for preferential interchange rates.
Warning: This functionality is not yet available for general use. Before integrating, ensure that you've been in contact with your Relationship Manager.
Comply with scheme manadates for
The following items are supported under
merchantInitiatedReason for US domestic acquiring:
|INSTALMENT||A single purchase of goods or services billed to a cardholder in multiple transactions, over a period of time agreed by the cardholder and you|
|RECURRING||Transactions processed at fixed, regular intervals not to exceed one year between transactions, representing an agreement between a cardholder and you to purchase goods or services provided over a period of time|
|UNSCHEDULED||A transaction using a stored credential for a fixed or variable amount that does not occur on a scheduled or regularly occurring transaction date. This includes account top-ups triggered by balance thresholds|
In addition to basic payment processing we offer a range of additional services designed to increase acceptance and reduce cost. For more information, contact your Relationship or Implementation Manager.
You can use the Dynamic MCC to send a different merchant category code per transaction. Add the element
<dynamicMCC> to your payment request.
Speak to your Relationship Manager for details.
Prime routing (US only)
Note: Prime routing is only available in the USA.
A fully-managed, data-driven service that routes eligible debit transactions to the appropriate debit network, based on lowest cost.
A fully-managed, data-driven service that optimizes authorization-related factors in real-time to increase approvals.
Managed Account Updater
A fully-managed service that seemlessly updates stored card details maximizing approvals.
A powerful tool that provides detailed issuer information and performance allowing you to identify trends and patterns specific to customers, and ultimately boost your approval rates.