WorldPay payment gateway can be integrated into Ecommerce Solutions which enables online transactions through credit cards for customers who make purchases on Ecommerce online stores.

If an owner of a Ecommerce online store do not have a payment gateway integrated, will not be able to get very far in terms of selling products and services over the Internet. A payment gateway such as Worldpay Payment Gateway allows your customer to pay on your Ecommerce website.

Worldpay Payment Gateway is versatile in many different countries and allows different languages and currencies. Everyday, Worldpay Payment Gateway is able to process millions of payment in a secure and quick manner, regardless the nature of the business. On the Internet, in the online world, face to face and even over the telephone, many accept major credit cards that includes:

• Visa
• Mastercard
• American Express
• Electron
• Meastro

In terms of a payment gateway like Worldpay Payment Gateway, it acts as the “interpreter” that takes information from your clients and customers, then transfers the specific particular piece of information over the Internet to the necessary banks. Payment gateways is what that makes it possible for payments to be received online. This benefits greatly for people who takes up Ecommerce Solutions. Today, one of the more flexible and largest payment gateway service providers is WorldPay Payment Gateway.

Worldpay Pricing:

Worldpay Payment Gateway allows Ecommerce Solutions owners to have their online store accept the widest range of payments, so that customers can pay using any major credit cards, the currency and language they are familiar and trust.

Worldpay Internet Merchant Account General Details:

• Setup Fee: FREE
• Annual Fee: SGD $650.00. (A recurring annual charge)
• Transaction Service Charges: 3.95% on the value of all transactions e.g. credit and charge cards. (Comes with FREE Fraud screening)

Optional services

• Mail and telephone order payments: FREE (Standard transaction service charges apply)
• Recurring payments: SGD $280.00 (one time off setup fee)

Additional charges

• Additional Currencies: 3 currencies are provided as standard part of Internet Merchant Account. (SGD $138.00 per additional currency)
• Disputed payments: SGD $28.00 for every chargeback arising from a disputed payment
• Settlement: Settlement in SGD for a SG bank account is SGD $7.00. Settlement not in SGD to a SG bank account is charged at the currency equivalent of 10 GBP. The minimum amount that can be settled is SGD $270.00.

Standard Features Available:

1. Internet merchant accountTo use any internet payment processing service, you need to have an internet merchant account (IMA). Even if you already have a merchant account for offline trading, an IMA is required for online trading. Many banks and institutions will offer internet merchant accounts – but prices vary and so does the versatility they offer.Benefits of having a WorldPay internet merchant account:
   • Able to accept all the major credit cards and debit cards
   • Able to accept payment in a wide range of currencies

   RBS WorldPay internet merchant account offers a range of benefits for Ecommerce Solutions.

2. Payment acceptanceRBS Worldpay accept many types of credit cards and debit cards which includes:
   • Visa Credit Cards and Debit Cards
   • MasterCard
   • American Express (Upon request)
   • JCB
   • Laser cards (Ireland)
   • ELV (Germany)

   Deferred processing and inventory

   There is two different ways of how online payment transactions are processed:

   • Realtime – Automatically routed to the specific bank for confirmation and authorisation
   • Deferred – Able to review and confirm customers’ orders and payment details before online payment transaction process continues

   Upon request to RBS Worldpay, order information can be integrated from Worldpay payment system with our inventory and stock management systems.

3. Multiple currenciesDomestic and multi-currency processingYou can take payments in up to 120 different currencies and customise the payment language to match the language(s) of your website.
   You can also select the currency you want RBS Worldpay to pay into your bank account.

   Here are just a few type of currencies RBS Worldpay support:

   • Australian Dollar
   • Canadian Dollar
   • Danish Krone
   • Euro
   • Hong Kong Dollar
   • Japanese Yen
   • Malaysian Ringgit
   • New Zealand Dollar
   • Norwegian Krone
   • Pounds Sterling
   • Rand
   • Singapore Dollar
   • Sri Lanka Rupee
   • Sweden Krona
   • Swiss Franc
   • Turkish Lira
   • US Dollar

   Features of Domestic and multi-currency processing

   • International customers can make payment in their local currency
   • Able to choose a specific currency for RBS WorldPay to pay into the chosen bank account
   • Manage all multi-currency transactions from either a single account or multiple accounts
   • Upload the latest currency rates directly to your website

   RBS Worldpay Payment Gateway is built to be multi-currency payment solution will help business to expand by offering a service to customers worldwide.

4. Secure processingReliable security for you and your customersWe take security very seriously indeed – including remote data storage, state-of-the-art encryption and constant enhancements. Customers’ credit card and account details are captured on Worldpay secured servers, so you don’t have to worry about maintaining a system or keeping abreast of the latest payment or anti-fraud developments.Industry standardsWorldpay payment processing service supports internationally recognised security checks including:
   • Card Verification Value (CVV2)
   • Address Verification Service (AVS)
   • Cardholder authentication (Verified by Visa and MasterCard SecureCode)

   Check out the product demo here RBS Worldpay.

5. Fraud screeningSophisticated checking systemFraud screening is a sophisticated checking system that identifies potentially fraudulent transactions.Benefits:
   • Lower costs – reduce online fraud
   • Increase sales – limit the number of legitimate purchases you turn down
   • Customise – set your own security checks
   • Easy to implement – no software to maintain, so it’s easy and hassle-free
   • Stay up to date – it’s constantly evolving and learning, adapting to the latest threats

   It compares the payment information that your customer supplies, with a constantly updated database of millions of payments. This helps us to detect patterns of fraudulent activity and notify you of the potentially fraudulent situations.

   For extra security, you can select and block email addresses, names and computer (IP) addresses.

6. Shopping cart integrationEasy integration with RBS WorldPayA wide selection of the leading shopping carts can integrate with RBS WorldPay, which makes it easy for you to build an internet site for selling products.RBS Worldpay is able to provide customer support and assistance and technical documentation to help integrate Worldpay Payment Gateway into a Ecommerce online store or also known as a Ecommerce shopping cart.
7. Management systemsWhen you get a internet merchant account from RBS Worldpay, an online management system comes with it to help in easier manage payment service. This online management system have functions such as review, report and control the payment, settlement, and fraud screening information which RBS Worldpay does the processing.Check out the RBS Worldpay online management system demo here.

For more detail and latest information on RBS WorldPay, visit RBS WorldPay website.

* All information here are just reference from RBS WorldPay website for easier viewing.