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 on-line. 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 Web sites 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.

Does the message that WorldPay send back to the customer to confirm payment also include information about what the shopper has actually bought, so that I know what I have to deliver?
Yes, the WorldPay system can do this, providing your shopping system can read the transmission.

How do I apply for WorldPay ?
Click here to apply and pay on-line.

What does WorldPay and/or Click and Build cost?
Click here to view our pricing

Can I take payments from shoppers in other currencies?

Yes, WorldPay is fully multi-currency enabled. Your shoppers can choose to view your prices in their own currencies (allowing them to make 'value for money' judgements), then they can buy from you in that currency. Your account will receive the amount you originally priced the goods in, in your own currency, and your shopper will see the amount they bought their goods in on their card statement, in their own currency. WorldPay absorb all the exchange rate differences so no additional charge is made to you for operating your account in multi-currency. Each multi-currency account comes with an initial 5 currencies.

What if I require more than 5 currencies?

Please telephone our call centre on 91 - 022 - 8791031 / 32 / 33 to obtain a quotation for your additional currencies.

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 micropayments 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 on-line refund facilities, that you control yourself, as part of their Customer Management System.

How soon after the transaction has taken place will you remit into my account?

Dependent upon the acquisition method used, your account could be remitted in a matter of days.

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 on-line?

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:

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 (the latter is more common with 'custom' integrations, rather than a tried and tested integration such as that between WorldPay and Click and Build).

Why did my card get declined?

There are many reasons why a card may be declined, for example an invalid card number or expiry date, non-entry of the issue number when using a switch card etc. Please check that you are entering your details correctly and that your card has not expired.

How can I reconcile my transaction with my bank statement?

WorldPay has an on-line query and reporting system, CMS. Supplementary to this, Click and Build users have a report writing system that reports on orders, shoppers and stock, as well as transactions.

Do I have to pay bank or card company fees in addition to WorldPay's?

No, all additional fees are encompassed within WorldPay's. To view our fees, which bearing this statement in mind are the most cost effective available, click here.

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.

How do I become a WorldPay customer?

Click here to apply on-line. Acceptance of your application is dependent upon the information submitted.

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 are my exchange rates updated?

There are various methods of achieving this, but WorldPay can update the rates for you on a daily basis if you prefer.