Merchant Solutions Support

An eWallet, sometimes called a digital wallet, is a secure place that contains one or more currency purses. Your shoppers can fund an eWallet in several different ways. Once funded, shoppers can use eWallets online to buy goods or services. 

A shopper must register with the provider, and may have to complete a full KYC (Know Your Customer) process before they're allowed to use an eWallet. Some payment service providers have the concept of a verified and unverified eWallet account for users who have completed KYC and those who haven't. Verified shoppers normally have a higher spending limit.

Payment Process

The payment process of an eWallet is significantly different to that of card payments; during the payment process the shopper is authenticated, he/she then has access to the full features and functions of the eWallet account. This account may include currency conversions, top-ups, and access to other payment service providers. Shoppers may also have the option to create an unverified eWallet account during the payments process. There is a risk here that some shoppers may get lost, so we strongly recommend that you, the merchant, think carefully about your shopper base before you launch an eWallet service.

Security & Risk

Shoppers' data/information is normally encrypted  and stored securely. Usernames/passwords and email/mobile phone verification are sometimes used when systems create an eWallet account. Photo IDs and proof of address are normally produced and stored for reference during the KYC procedure. Some payment service providers use transaction limits and velocity checks to monitor the transaction in a shoppers eWallet account. Due their feature rich content, APMs and particularly eWallets are open to fraud in different way from Credit/Debit Cards and MUST NOT be sold as Cards.

3D Secure (3DS) allows customers to authenticate high risk transactions with confidence, with the added benefit of liability shift to the card issuer for fraudulent payments.

Despite the obvious benefits, adoption of 3DS has been limited. 3DS authentication brings friction to the payment process and provides a sub-optimal shopping experience, especially on smart devices.

To address these points the card schemes have introduced 3DS2. A new approach to authentication that puts shoppers at the center of the process, 3DS2 works with the latest smart devices to deliver a smooth and secure payment experience.

To provide the optimal 3DS experience Worldpay offer 3DS Flex. Offering both 3DS1 and 3DS2, 3DS Flex has you covered whether you're a new business looking to start with 3DS or an existing business, upgrading to 3DS2.

You can learn more about 3DS and our 3DS Flex product in our technical integration guide on the Worldpay Developer hub. You can also read more about 3DS2 in our blog.

*All merchants who use our 3DSFlex service need to ensure that all necessary fair processing notices have been provided to affected data subjects, including to provide a link to Worldpay’s Privacy Statement (which can be found here or to include a statement that Worldpay’s Privacy Statement can be found on Worldpay’s corporate website.

Alipay is an eWallet payment method, a secure place where your shoppers can store funds to be used online.

It is available to merchants who use both the Direct and Hosted integration model.

There are two ways for a shopper to make a payment:

1. The default option is for the shopper to use their mobile device (phone, tablet, and so on) to scan the QR code that appears on the Alipay payment page. This is the most popular payment method, used by the majority of shoppers.
2. An alternative is for the shopper to log in to the Alipay payment page using their Alipay credentials.

You can find out more about Alipay in the Alternative Payments Guide.

If you receive the message 'Enter a valid phone number', check that only numeric characters (0-9) are being passed in the XML element.

Cleared Balance is the amount of funds available to you for transactions.

Uncleared Balance is the amount of funds not available to you, because it is waiting to be cleared.

Balance is the combined amount of all funds in the account.

Tokenisation is the replacement of sensitive credit card data with a unique identifier (the token) that cannot be mathematically reversed. Eliminating payment data from your network is the best way to help ensure that a shopper's sensitive payment information is safe.

Features

• Payment data is stored in secure Worldpay data centres and exchanged for a safe token
• Token generated using proprietary algorithms and can't be mathematically reversed
• Four token formats, used to tokenise a wide range of payment types.

Benefits

• Reduces PCI scope
• Integrate with Worldpay Account Updater to automatically update payment data
• Token data is meaningless to hackers

To learn more, see the Add Tokenisation part of the Worldwide Payment Gateway guide.

Acquiring is the process of obtaining funds from a cardholder using the Card Schemes. Acquiring is a licensed activity and approval is necessary from both the card scheme and the Financial Regulator of the region.

Payments can be rejected for a number of reasons at various points during the process. Some common examples why you might see your payment rejected are:

• Incorrect bank details have been provided. We carry out validation on payment details before passing them to the bank to ensure the payment has the best chance of success.
• An incorrect account number has been provided. Once the payment has passed Worldpay’s validation, it will undertake more validation by our bank including making sure the account number is a valid account number for that country.
• The beneficiary bank may reject the payment because the provided account number has been closed.

A return reason is provided along with the reject notification. If you have further questions about the reason for your payment being rejected, please email support.investigations@worldpay.com

An APM is an Alternative Payment Method, which is any payment method shoppers use online that is not one of the global card schemes (Visa, Mastercard or American Express).

To find out more about the APMs we offer, you can view our global payments report on the Worldpay website.

For more detailed APM integration guidance, please visit our APM Integration guide, which lists all current APMs we offer on the Worldwide Payment Gateway (WPG).

We offer a range of APIs to suit every type of business:

• JSON API - our newest API, offering a mix of payment features and a selection of alternative payments. Ideal for getting up and running quickly
• XML API - our comprehensive API, with advanced card payment features and a wide range of alternative payments. Ideal for international businesses who want rich functionality and granular control
• HTML API - simple Hosted Payment Pages designed for non-technical, small businesses

For more information about the right solution for you, speak to your Implementation or Relationship Manager.