Transaction Processing with WorldPay

Getting started processing transactions through the Online Merchant Center payment gateway is easy. This site will provide you with a description of the different processing options you have, and guide you through the steps to getting up and running quickly.

Processing Options

There are several methods to process transactions:

• Virtual Terminal:  This is the easiest way to process transactions. No integration is necessary --- simply login to the Online Merchant Center, select one of the Virtual Terminal menu options, fill out the form with your consumers account information and payment amount, and press Submit. If you already have an AcctID with Online Merchant Center, you are ready to go. Click here to login to the Online Merchant Center and start processing transactions.
• Web Link:  Online Merchant Center Web Link is a secure online payment-processing check-out that allows Internet-based businesses to authorize, process and manage payment transactions without installing software on their Web site. There are no worries about the complicated software, hardware and expertise normally associated with enabling e-commerce. Click here to view more information about using Web Link.
• Shopping Cart Integration:  Online Merchant Center supports most available shopping cart software so it integrates easily with most e-commerce solutions. Refer to our Shopping Cart Integration documentation for information on processing with the shopping cart you are using.
• Retail POS:  Online Merchant Center supports card present credit card transactions, PIN based debit transactions, and check conversion. process retail POS transactions and take advantage of reduced card present merchant account transaction fees using our Virtual POS (VPOS) and an inexpensive credit card swipe reader or paper check MICR reader attached to your PC.
• Developer API:  Online Merchant Center has multiple API programming interfaces allow your developers to integrate your custom application with the payment gateway. Integration options include SSL POST with name/value pairs, secure socket connection, and for Windows based applications a COM object is available to simplify your integration. Sample scripts are available (i.e. Perl, C++, Visual Basic, ASP) to shorten the learning curve and speed your development. Refer to our Integration Guide for detail interface specifications
• Batch Processing:  Use our Batch Processing option to bulk upload transactions to the payment gateway. This is a good solution if you have an internal application that collects transactions and you would like to process them "off-line" in bulk. Using MS Excel, Access or any other program that can create a "flat file" of data that conforms to our batch processing format. Then send the file via FTP to our upload site for processing. The transactions are processed immediately, with reporting and receipt options available to notify you of the status of each transaction. This process can also be automated and scheduled. Refer to our Batch Processing Guide for more information regarding submitting batch files.

What happens when a transaction is submitted to the WorldPay Payment Gateway?

Transaction information is collected with either a form that captures the necessary customer information (name, credit card number, etc.) from a merchant's own secure transaction page, or via a page hosted on the Online Merchant Center secure server, for the customer to fill out.

The customer's information is encrypted using 40- or 128-bit Secure Socket Layer technology and sent to an Online Merchant Center transaction server. The server sends the data through the authorization network to the appropriate card issuer's bank, using a secure, proprietary connection. When the authorization process is complete -- this takes around five seconds -- the customer receives an approval or decline response and the Online Merchant Center server stores the transaction. Transactions are automatically settled each day and are typically funded within two to three business days.

Merchants can check the status of transactions or run reports on past activity by going to the Online Merchant Center Web site and logging on to their own password-protected Online Merchant Center site. Online businesses also can use the Online Merchant Center Virtual Terminal to enter payment information manually if customers prefer to call in their credit card information.