Taking payments

To understand what the order states on your dashboard mean, take a look at the diagram below. Here we can see all the possible states an order may go through.

Further information about the order states can be found in the table below:

Yes, Worldpay supports authorisations.

Also known as pre-authorisation or “hold”, this feature enables you to reserve funds on the shopper's payment card without immediately taking payment. This allows you more time to review the transaction and detect potential fraud.

Authorisations use the same request as a normal order, with an additional flag. Once you decide to take payment a capture request is sent. You could even decide to capture less than the reserved amount, for example a two night hotel stay was changed to one night, so only half of the authorised amount was due.

Authorisation is traditionally used in certain types of transaction, e.g.:

• Hotels
• Car rentals
• Cruise liners

Authorisations remain available for five to eleven days depending on the card issuer. During this time the shopper will be unable to use that portion of the credit available on their card. If the payment is no longer required then the order should be cancelled, which will release the reserved funds on the card in 5 to 7 days.

If not captured or cancelled the authorisation will eventually automatically be expired, meaning the payment can no longer be captured. A new order will need to be created if payment is still required after this point.

Please review thedocumentationandAPIson how to use authorisation orders.

Sofortis Bank Transfer payment service prevalent in Germany . It is a world payment method that you can add to your existing online checkout to increase sales. Your customers can then choose to checkout with their favourite payment method: Sofort, debit card, or credit card, or another global payment method.

World payment methods, like Sofort, work a little differently from traditional card based payment methods like Visa and MasterCard. Instead of staying on your checkout page to make a payment, with Sofort customers are redirected to the Sofort website to choose their bank to login to and authorise the payment. Once complete your customer is then redirected back to your site.

Starting taking payments with Sofort is easy. You cancreate a test Sofort orderat any time, even without a live account. When you're ready to go:

1. Enable Sofort on your Payment Types page, and we'll email you when registration is complete
2. Add a Sofort button to your website and make Sofort payments

The 'settlement' currency is the currency that Worldpay will pay you in. This can be different from the 'acceptance' currency which is the currency in which your customer pays you on your website.

Worldpay allows you to add 5 settlement currencies out of a list of 9 possible currencies: GBP, EUR, USD, CAD, DKK, HKD, NOK, SEK, SGD (a full list of ISO currency codes can be foundhere).

At time ofActivationyou have to choose a single settlement currency. Once you have submitted your application form and have confirmation that your account is live, you will be able to add additional settlement and acceptance currencies by goinghere(requires you to be logged in).

For every settlement currency you add, you will need to enter bank details in the name of your legal entity and upload a copy of a bank statement that validates this.

This video shows you how to add settlement currencies with Worldpay Online Payments:

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To start taking payments with Worldpay, follow this simple process:

1.Register for an account

2.Activate your account, answering all the questions accurately - your account will then be activated within 24 hours.

Please note: this stage is only possible to do when you are logged in, and also that some websites and companies (for example gaming sites or those with adult content) may not be accepted by Worldpay, or may require further diligence checks

3. Make sure that you have entered a valid bank account, and that the account holder name matches your company name

4.Email usa copy of your most recent bank statement. The bank statement must match the details entered on the activation form

5. Ensure that you have integrated Worldpay with your website or app and tested the integration

6. Integrate your live API keys (client and service) with your website or app. Your live API keys will be availablehereafter we confirmed your account activation

7. Check that your website is compliant withWebsite guidelines

Now you are ready to start taking payments.

To view details of a payment, click on theorderstab on your dashboard. This will show you a full list of the orders that have been put through your checkout.

Find the specific transaction you are looking for (you may find it helpful to use the date filter for this), then click on it to see details such as the payment amount, order description, status and billing address.

The conversion rate is the percentage of times that someone coming to your checkout page results in a successful order. The higher the number, the better it is. If you have a conversion rate of 100 per cent, this means that every visit to your checkout page resulted in a successful order.

If this number is low, it could mean that a lot of orders are failing (to see failed orders, use the payment status filter on theOrders page). If there aren’t many failed orders, there may be technical issues with your website or your integration with Worldpay.

Przelewy 24is Poland's leading online bank transfer payment service. It is a world payment method that you can add to your existing online checkout to increase sales. Your customers can then choose to checkout with their favourite payment method: Przelewy 24, debit card, or credit card, or another global payment method.

World payment methods, like Przelewy 24, work a little differently from traditional card based payment methods like Visa and MasterCard. Instead of staying on your checkout page to make a payment, with Przelewy 24 customers are redirected to Przelewy 24 to choose and login to the online bank they want to pay from. Once complete your customer is then redirected back to your site.

Starting taking payments with Przelewy 24 is easy. You cancreate a test Przelewy 24 orderat any time, even without a live account. When you're ready to go:

1. Enable Przelewy 24 on your Payment Types page, and we'll email you when registration is complete
2. Add an Przelewy 24 button to your website and make Przelewy 24 payments

Bancontact, formerly MisterCash, is Belgium's market leading payment service. It is a world payment method that you can add to your existing online checkout to increase sales. Your customers can then choose to checkout with their favourite payment method: Bancontact, debit card, or credit card, or another global payment method.

World payment methods, like Bancontact, work a little differently from traditional card based payment methods like Visa and MasterCard. Instead of staying on your checkout page to make a payment, with Bancontact customers are redirected to the Bancontact website to login and authorise the payment. Once complete your customer is then redirected back to your site.

Starting taking payments with Bancontact is easy. You cancreate a test Bancontact orderat any time, even without a live account. When you're ready to go:

1. Enable Bancontact on your Payment Types page, and we'll email you when registration is complete
2. Add a Bancontact button to your website and make Bancontact payments

Giropayis Germany's No.1 preferred bank transfer payment method giving you access to 17 million users and over 60% of commercial bank customers in Germany. Giropay is a world payment method that you can add to your existing online checkout and increase sales. Your customers can then choose to checkout with their favourite payment method: Giropay, debit card, or credit card, or another global payment method. Giropay can only be used for payments made in EUR currency.

World payment methods, like Giropay, work a little differently from traditional card based payment methods like Visa and MasterCard. Instead of staying on your checkout page to make a payment, with Giropay customers will be redirected to their own online banking to complete their payment, and then back to your site.

Starting taking payments with Giropay is easy. You cancreate a test Giropay orderat any time, even without a live account. When you're ready to go:

1. Enable Giropay on your Payment Types page, and we'll email you when registration is complete
2. Add an Giropay button to your website and make Giropay payments

Postepayis a voucher payment service available in most of Europe, North America and in other areas. It is a world payment method that you can add to your existing online checkout to increase sales. Your customers can then choose to checkout with their favourite payment method: Postepay, debit card, or credit card, or another global payment method.

World payment methods, like Postepay, work a little differently from traditional card based payment methods like Visa and MasterCard. Instead of staying on your checkout page to make a payment, with Postepay customers are redirected to Postepay to authenticate pre-purchased money vouchers. Once complete your customer is then redirected back to your site.

Starting taking payments with Postepay is easy. You cancreate a test Postepay orderat any time, even without a live account. When you're ready to go:

1. Enable Postepay on your Payment Types page, and we'll email you when registration is complete
2. Add a Postepay button to your website and make Postepay payments

When you tokenise a payment card, one of the fields we return describes the Card Product Type. This information allows you to more accurately identify the card's properties.

The Card Product Types that you may encounter are:

Yes, we support Giropay.

Worldpay's API allows you to accept Card, Giropay, and PayPal orders using a single integration, so you can concentrate on your business while we handle your payments.

Giropay is Germany's most popular Bank Transfer payment system giving you access to 17 million users and over 60% of commercial bank customers in Germany.

Giropay payments are managed in the same place and in the same way as other payments via Worldpay - in your dashboard. The only differences are :

• Recurring payments are not supported
• Virtual Terminal / phone orders are not supported

As a Worldpay corporate merchant wishing to offer Giropay, you can request enablement of Giropay via your Settings, and start integrating your website with ourGiropay How-Toguide.

iDEALis the Netherland's No.1 preferred online bank transfer payment method. It is a world payment method that you can add to your existing online checkout to increase sales. Your customers can then choose to checkout with their favourite payment method: iDEAL, debit card, or credit card, or another global payment method.

World payment methods, like iDEAL, work a little differently from traditional card based payment methods like Visa and MasterCard. Instead of staying on your checkout page to make a payment, with iDEAL customers will be redirected to their own online banking to complete their payment, and then back to your site.

Starting taking payments with iDEAL is easy. You cancreate a test iDEAL orderat any time, even without a live account. When you're ready to go:

1. Enable iDEAL on your Payment Types page, and we'll email you when registration is complete
2. Add an iDEAL button to your website and make iDEAL payments

Alipayis China's best known payment service. It is a world payment method that you can add to your existing online checkout to increase sales. Your customers can then choose to checkout with their favourite payment method: Alipay, debit card, or credit card, or another global payment method.

World payment methods, like Alipay, work a little differently from traditional card based payment methods like Visa and MasterCard. Instead of staying on your checkout page to make a payment, with Alipay customers are redirected to Alipay to choose and login to the online bank they want to pay from. Once complete your customer is then redirected back to your site.

Starting taking payments with Alipay is easy. You cancreate a test Alipay orderat any time, even without a live account. When you're ready to go:

1. Enable Alipay on your Payment Types page, and we'll email you when registration is complete
2. Add an Alipay button to your website and make Alipay payments

Shoppers want to pay with the card that they have in their hand – luckily, we’re here to help keep your customers happy, by enabling you to accept a full range of global payment methods.

There is no minimum amount for payments you can accept with Worldpay.

At present the maximum payment amount is £5,000. This upper limit helps us to protect you from fraudulent payments, however if you would like to change it, pleasecontact us.

Yes, we support 3D Secure, or “3DS”.

3DS is the generic name for ‘Verified by Visa’, ‘MasterCard SecureCode’, 'Amex Safekey’ etc. It is the second page that some online retailers present in which you need to enter the password of your credit or debit card provider.

The main benefit of 3DS for you is that it protects you againstchargebacks. These can still be initiated by your shopper, but it will be the credit or debit card company who will have to pay, not you. If you get a lot of chargebacks, we therefore highly recommend you use 3DS.

The downside of 3DS is that your customers have to fill in an additional screen, which can be a hassle, particularly on mobile phones. We make it possible to enable or disable 3DS on an order-by-order basis which gives you full control over when to use it and when not to.

How to implement 3DS is describedhere.

Worldpay makes it easy to see what kind of card your customer is using, which allows you to make the right business decision for that transaction.

When you collect your customer's card details and store them in our secure systems, we will always tell you what type of card it is - Visa, Mastercard, Amex and so on. For the majority of the world's payment cards we can also let you know these additional properties:

• Credit Card or Debit Card
• Consumer or Corporate
• Country of Issue
• Issuer Name
• Prepaid
• Card Product Type

Some card schemes don't return these details - we're working on increasing the coverage.

For guidance on how to use this information with your website please see theToken API Reference.

The 'acceptance' currencies are the currencies in which your customer can pay in on your website. This can be different from the 'settlement' currency which is the currency in which we will pay you.

Worldpay allows you to add up to 5 acceptance currencies for every settlement currency out of a list of over 140 currencies.

At time of Activation we will enable GBP, EUR and USD for you by default. Once you have submitted your application form and have confirmation that your account is live, you will be able to add additional acceptance and settlement currencies by going here (requires you to be logged in).

This video shows you how to add acceptance currencies with Worldpay Online Payments:

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You may wish to store a shopper's card details so that you can use them to take payments directly from your server in the future - for example when setting up subscriptions (also called recurring payments). You can learn how to take subscriptions/recurring paymentshere.

Recurring payments are different from card-on-file payments in that the first payment is initiated by the shopper; subsequent recurring payments or subscriptions are initiated from your server by you.Card-on-file paymentsare always initiated by shoppers.

To use the recurring payments feature you will need to turn it on when activating your account. If you already have a full account and would like to offer recurring billing, you can go to the Orders page in Account Settings and turn on recurring payments.

Please note that it takes at least 24 hours to enable recurring payments - you will receive an email notifying you once the process is complete and you are ready to go. If you later decide to stop making subscription/recurring payments, you do not need to turn the feature off from the Orders settings page.

It's easy for your customers to store their card details for future use with Worldpay Online Payments, to prevent them having to re-enter information when making future transactions. Since this type of "card-on-file" payment is initiated by the shopper, it is classed as a regular e-commerce payment rather than arecurring payment. Consequently you do not need to opt in for recurring payments in order to provide this feature.

How to implement card-on-file payments is explainedhere.

Yes, you can.

Worldpay's tokenisation features allow you to avoid coming into contact with sensitive card details, by entirely removing the presence of card details from your systems. Tokenisation of card details is essential where you don't want the added process, certification and infrastructure costs associated with full PCI DSS compliance. However some larger organisations need access to this information, and are able to store it securely. This can also mean the organisation does not require tokenisation.

Tokenless orders allow you to collect and manage card and cardholder details in your own PCI-compliant environment, and send these details directly to our order service in a single, securely-encrypted API call. Only the API request content changes compared to token-based orders - it now contains all payment details as well as order details - all order functionality and API response contents stay exactly the same as if a token had been used.

You can learn how to create tokenless orders for any payment method in ourdocumentation pages.

PaySafeCardis a voucher payment service available in most of Europe, North America and in other areas. It is a world payment method that you can add to your existing online checkout to increase sales. Your customers can then choose to checkout with their favourite payment method: PaySafeCard, debit card, or credit card, or another global payment method.

World payment methods, like PaySafeCard, work a little differently from traditional card based payment methods like Visa and MasterCard. Instead of staying on your checkout page to make a payment, with PaySafeCard customers are redirected to the PaySafeCard website to complete the transaction by entering details of pre-purchased money vouchers. Once complete your customer is then redirected back to your site.

Starting taking payments with PaySafeCard is easy. You cancreate a test PaySafeCard orderat any time, even without a live account. When you're ready to go:

1. Enable PaySafeCard on your Payment Types page, and we'll email you when registration is complete
2. Add a PaySafeCard button to your website and make PaySafeCard payments

No, we do not support Apple Pay.

UK Businesses who operate in the Financial Services sector - for example Banks, Mortgage Providers, Payday Loan Operators - need to collect additional details when processing UK Visa transactions for the purposes of better Anti-Money Laundering detection and prevention.

Visa requires that UK businesses who are in Merchant Category Code (MCC) 6012, and are processing a UK-issued Visa card transaction, must collect the name, postcode, date of birth and account number of the recipient of the funds.

The following customerIdentifier key-value attributes must be included in any such order request, and can optionally be specified for an order involving any other card or payment method:

Providing incorrect values can result in refusal of the transaction.

See theAPI Referencefor code examples.

Yes, you can.

All you have to do is go to theorders page, click create telephone order, enter the amount you want to charge and the customer’s card details and click create order.

You can use this feature to take orders via the telephone, but you can also use it to take orders via mail. In the payments industry, this feature is also sometimes referred to as "Mail Order Telephone Order" (MOTO) or "Virtual Terminal".

Important: fees for telephone orders are always the same as fees for credit card payments, even if the customer paid with a debit card.

The create telephone order button will not be visible on live mode unless you have enabled telephone orders on your account. You can do so from theOrders Settingspage by switching telephone orders to on.

To ensure that you arePCI compliant, you should never retain the customer's card number after you placed the order.