WorldPay FAQs

I already have a Customer Account for credit cards. Do I need anything in addition?
Yes, you will need a separate internet trading account in order to process payments online. This is unrelated to your existing facilities and does not have to be with your existing bank. Click here to view WorldDirect information.

Can I operate my WorldPay account from more than one web site?
You may operate from as many websites as you wish, so long as the products you are selling have been agreed with WorldPay in advance.

Once my site is trading, can I increase the amount of products I am selling?
You may sell as many products as you wish, providing none of them are on WorldPay's prohibited list. Once you have been approved, provided your focus remains the same, there should be no issue with prohibited goods.

I've been in business for less than a year/I am not a limited company … will I qualify for a WorldPay account?
Unlike other processors, WorldPay operate our own acquisition facility, WorldDirect, that provides payment facilities for people in your situation as an alternative to direct bank acquisition.

Will I need a new bank account?
Not necessarily, though you will need an account in the name of your business. Your funds can be settled into an account almost anywhere in the world.

What's the lowest value transaction I can put through my account?
WorldPay's standard solution allows a minimum £2-£3 (or local equivalent), however we also have a micro-payments facility, WorldAccount, that allows transactions down to as little as a penny, cent, centime, pfennig etc. The highest possible transaction is purely down to customer card limits.

How long does it take to clear a WorldPay transaction?
Once the transaction reaches our servers, clearance takes a matter of seconds.

How do I issue a refund to my shopper should that be necessary?
WorldPay provide secure online refund facilities, that you control yourself, as part of their Customer Management System.

Can my Customer Account be used for two companies/Can I order the goods from a third party when I receive my orders, then ship them when they arrive?
No, the customer must own the goods that are advertised for sale on their web site.

How long will it take for my application to be processed?
If all the requisite information is provided to WorldPay by return, you could be approved as a WorldPay customer in as little as two working days.

Can I sell anything online?
WorldPay have a list of prohibited goods and services, such as pornography and unlicensed gambling.

What is a chargeback?
A chargeback is the forced reversal of a transaction by the cardholders card issuer. Chargebacks are raised when we receive notification from our bank that the cardholder's card issuer has received a 'notice of dispute' from the cardholder. In certain circumstances we are able to ask you for information that we can offer in defence of this. In other circumstances (for example fraud) a chargeback is made immediately.

What cards will I be able to accept?

You will be set up with the following cards automatically:

Visa
Mastercard
Eurocard
Visa Debit
Switch
Solo
Delta
JCB

WorldPay can also accept the following cards, however you must apply direct to the Card Scheme:

American Express
Diners Club

Please Note: Due to Card Scheme regulations, WorldDirect customers can currently only display the Card Scheme logos on their payment pages.

How can I test my site is processing cards properly, either before of after it launches?
We hold a list of card numbers that produce known responses. To test the results themselves, you must use these numbers yourself and inform us of the result by email. If successful, our support team run tests of their own and advise you of success or failure.

How can I reconcile my transaction with my bank statement?
WorldPay has an online query and reporting system.

Do I have to pay bank or card company fees in addition to WorldPay's?
No, all additional fees are encompassed within WorldPay's

Do I have to bank with my processing bank?
If you are processing directly through HSBC or Lloyds/TSB you must bank with them. If you are processing directly through Barclays, you may bank anywhere within the UK. If you process through WorldDirect or NatWest, you may bank anywhere in the world.

Can I add more processing currencies to my account after my site has launched?
If you are processing using WorldDirect or NatWest, you may add more currencies at any time.

What appears on the shopper's card statement?
If you are a bank acquired customer, your company name appears on the statement. If you use WorldDirect, both your company name and WorldPay will appear.

How secure is WorldPay?
WorldPay uses state of the art security tools and techniques, both proprietary and unique, to ensure that you and your shopper are protected against what is nowadays a virtually non-existent risk. WorldPay systems also have inbuilt system redundancy and fault tolerance, to provide you with a virtually uninterrupted service 24 hours a day, seven days a week.

Will I need to arrange secure server facilities for my web site?
No, WorldPay provides all the facilities you need to pass transactions securely over the internet.

What level of encryption does the WorldPay server have
WorldPay use Thawte 2048 bit encryption systems. At the browser 128 Bit SSL is used.