Questions and Answers
The first thing you will receive from Worldline is this: good, comprehensive and non-binding advice that leads to the optimum solution for your online business.
Such a solution, individually tailored to your needs, usually encompasses a payment service provider solution for the processing of online payments (e.g. Saferpay or PayUnity) and the conclusion of card acceptance contracts for the credit and debit cards commonly used in your web shop (secure e-commerce). In addition, you benefit from our Europe-wide network of partners, including web agencies, system integrators and plug-in providers, and from our own excellent service – our customer service, technical support and integration support are there for you round the clock.
An acquirer is a company that …
- enables a merchant to process payments by credit or debit card both at the point of sale and over the Internet securely and reliably;
- settles these card payments for the merchant;
- in the case of credit card payments, in particular, advances the payment amount to the merchant while awaiting payment from the cardholder; for this reason the acquirer is also called a merchant bank.
A payment service provider (PSP) is
a company that integrates payment solutions into a web shop and processes payments of all kinds on behalf of its clients – whether they be credit or debit card payments or payments using an online payment process like PayPal. Using a payment service provider makes the work easier for you as an online merchant while also protecting you from payment defaults. The PSP has contracts and IT connections with the individual online payment services and thus acts as a link between the merchant and the acquirer (merchant bank).
How fast your payment system is set up depends entirely on your requirements for your payment solution and the degree to which you wish to tailor your payment page. Ask your contact at Worldline how long it will take in your specific case. All the contracts need to be drawn up and your company has to be checked by our Risk department. In the meantime, you can make a start on developing your solution because Worldline will provide you with free personal access to the test system and to the technical documentation.
To keep your risks to a minimum Worldline sets stringent requirements for data and process security. Our round-the-clock service center meets all security requirements. To ensure security and protection against fraud, all our products are PCI DSS certified and internationally approved.
The encryption of card data makes for the best possible data security. With 3-D Secure, cardholders have to identify themselves by means of an individual code. This gives you and your customers additional protection against fraud.
In addition, Worldline is able to check and analyze card misuse in real time, further reducing the risk of fraud.
Talk to us – your personal contact will be glad to talk to you about security with Worldline.
What payment options would you like? With Worldline everything can be tailored to your requirements. We will be glad to assist you in selecting the right means of payment for your web shop. To acquire international customers it is important for your company to offer all common means of payment (such as credit and debit cards and online payment processes), or to cover national markets with country-specific payment options. In this way, you can prevent transactions from being broken off at the checkout and increase your online turnover. Ask us for advice – the right mix of means of payment is crucial! Please do not hesitate to contact us for the additional agreements required with the relevant providers.
Worldline offers you all the normal payment methods:
International
- Mastercard
- Visa
- American Express
- Diners Club
- Discover
- JCB
- UnionPay
- Maestro
- V PAY
- Masterpass
- PayPal
- SEPA
- Sofort
- Klarna
- Paysafecard
Germany
- paydirekt
- ELV
- giropay
- BillPay
Austria
- eps
- Paybox
Switzerland
- PostFinance
- BonusCard
- myOne
- BillPay
- TWINT
Others
- iDEAL
- BC/MC
- Carte Bancaire
- Pay-by-linki (e-Przelew)
- Blik
- Yandex
Other payment methods on request.
Reach customers worldwide: With the Worldline solution you can accept all common currencies from around the world in your web shop. Worldline can offer you over 100 acceptance currencies. In addition, Worldline supports settlement (crediting = pay-out to you as the merchant) in around 20 currencies.
If you have lots of foreign customers, we recommend you use our DCC service (dynamic currency conversion).
Using DCC automatic currency conversion, your shop will automatically recognize foreign cards and allow your customers to choose whether they pay in local currency or their home currency. SIX guarantees the best daily exchange rate. Your customer confirms with just one click – a simple way of keeping an overview of what they are spending. And you as the merchant benefit from a reduced commission rate on each DCC transaction.
Tokenization is a procedure in which sensitive data, such as credit card numbers, are encrypted and replaced by substitute numbers called tokens. The original data are kept only in Worldline' PCI-compliant computer center, where they are secure and protected against unauthorized access. Worldline' tokenization solution enables merchants like you to offer a one-click-checkout and process recurrent payments. This saves you money and cuts out the effort involved in PCI audits.
For easy integration of your payment system, Worldline makes the following modules available to you:
- AceShop
- commerce:SEO
- Drupal Commerce
- ePages
- Gambio
- JTL
- Magento
- Magento 2
- Mijoshop
- modified-shop
- OpenCart
- OXID eSales
- PrestaShop
- SEO:Mercari
- Shopware
- WordPress E-Commerce
- WordPress JigoShop
- WordPress WooCommerce
- xt:Commerce v 3.x
- xt:Commerce 4
- PepperShop
- Rent-a-Shop
Saferpay payment systems (PSP):
Saferpay Login
Saferpay Test Login
PayUnity payment systems (PSP):
PayUnity Login
PayUnity Test Login Username: testweb@payunity.com; Password: JyZRR27X
myPortal, the portal for card settlements:
myPortal Login
Register for myPortal
Please have the following documents and information ready to hand:
- Valid e-mail address and mobile telephone number for verification
- Photo ID of the authorised signatories (driving licence, passport or identity card)
- Company data: this includes contact data, information about the business purpose of the company, data concerning the authorised signatories and bank data
For e-commerce solutions you will also need the following information:
- Test URL and login details if the web shop is not publicly available
- Description of your product and service catalogue
No, the country selection must be determined right from the start. Our offers and products are tailored to the country selected.
The name of the account holder has to be same as the company name.
After successfully sending off your order online, you will get a confirmation via e-mail with a summary of your order.
You have received a confirmation e-mail: your order is checked internally and you will receive a notification from us as well as the contract within one working day. Should we have any other questions about your order, a staff member from Worldline will contact you directly via e-mail or by telephone.
If you not have received any confirmation via e-mail, please check your junk mailbox or contact us via mail: customerservices@worldline.com
Please be aware that in certain cases we might block the pay-outs or also processing transactions according our risk regulations for a certain period at the beginning. If this is the case we will inform you during the onboarding process and also update you as soon as we will unblock the pay-outs or processing transactions.
You receive access data for WL E-Payments within 1 working day.
myPortal is your personal customer portal for your settlements, transactions and credit notices. You have received a text message with your user name (User-ID) for myPortal on the mobile number registered with the order. The password for myPortal can be chosen in the course of the order process by yourself.
You can easily and conveniently monitor and manage all of the payment activities in your web shop using the mySaferpay administration portal. You have received a text message with your user name (User-ID) for mySaferpay on the mobile number registered with the order. You decide on your password during the ordering process.
For an annual turnover from CHF 60'000.-, we offer an individual consultation. For personal advice, please contact us via e-mail: lead.ch@worldline.com
The contract for accepting American Express, including conditions, is an agreement made with American Express. You will find the necessary documents and information for the order process at www.americanexpress.com.
To accept PostFinance, you will be sent a pre-filled contract in the order confirmation email. The contract is not automatically forwarded onto PostFinance. If you would like to accept payments from PostFinance, you must forward on the completed and signed contract to PostFinance. You will find all information for acceptance in e-commerce at www.postfinance.ch.
If you are already a Worldline customer and are interested in our package, we would be very happy to advise you. For a personal consultation, please contact us via e-mail: lead.ch@worldline.com
- Questions about your contract: E-Commerce Sales CH, e-commerce@worldline.com
- Questions about invoices, credit card statements, Saferpay Backoffice, myPortal: Customer Service, cs.ecom@worldline.com
- Technical questions about online payments: technical Saferpay support, support.saferpay@worldline.com
Information from A to Z
The acceptance contract is concluded between an acquirer (merchant bank) and a merchant. It entitles the contracting party to process debit and credit card payments.
The blacklist is a list on which a merchant or a web shop operator can enter card numbers that it wishes to block for payments.
The card security number serves as a check on whether at the moment of payment a physical card actually exists for the card number entered. The Card Verification Code (CVC) for Mastercard or Card Verification Value (CVV) for Visa is the card security number on the credit cards. For Visa and Mastercard it is a three-digit number and is to be found on the reverse of the card; for American Express it is a four-digit number on the front of the card.
Chargeback designates the process in which the card issuer reclaims a payment from the merchant in whole or in part. This can happen if a cardholder contests having made a payment.
Checkout in electronic retail means the virtual cash register. Here the customer is asked to select their preferred payment process. The checkout is the critical point in online retail because a lot of customers break off the purchase at this point.
With debit cards such as the Maestro card or V PAY, the purchase amount is debited to the cardholder's account straight away as part of payment processing.
See ELV direct debits.
With ELV (Elektronisches Lastschriftverfahren) direct debits, the customer authorizes a merchant to automatically debit a defined bill amount to their account. The customer gives the merchant their account number and sort code. The customer merely signs to verify their identity. The merchant therefore receives no payment guarantee. ELV direct debits are offered only in Germany.
Fraud prevention encompasses all measures that serve to reduce a merchant's risk of misuse and to prevent fraud attempts.
With giropay, customers in Germany can arrange a payment directly from within a web shop. This gives the merchant greater payment security.
Card issuer. This is a company – often a financial institution – that issues credit, debit or prepaid cards and debits the cardholder's account with their transactions.
JCB is Japan's largest credit card organization. Its use is becoming ever more widespread among travelers from the United States and Asia.
Worldline is an acquirer for JCB.
In general, the merchant bears the risk in e-commerce if the cardholder contests their payment. However, use of the 3-D Secure solution from Worldline shifts the risk from the merchant to the card issuer for payments that are contested by the cardholder. This transfer of risk is called liability shift.
Mastercard is the world's leading credit card organization alongside Visa. Mastercard International grants licenses for the issue of its cards (issuing license) and for the settlement of card payments (acquiring license). Mastercard's product portfolio includes the credit card Mastercard and the debit card Maestro.
Omni-channel is the combination of different sales channels (such as e-commerce, m-commerce and POS), the main aim of which is to ensure a seamless shopping experience for your customers – irrespective of whether they are ordering items on a computer, on a smartphone or by telephone or they are shopping in a store.
In a nutshell, an online marketplace is an online shop that allows customers to purchase products and services from third-party providers. Online marketplaces offer consumers a considerable benefit by bringing together a range of merchants and goods or services on a single platform. These solutions are also attractive to merchants, as they are able to benefit from higher reaches and sales potential than they otherwise could generate alone.
The Payment Card Industry Data Security Standard (PCI DSS) is the credit card organizations' international security standard. This standard must be adhered to. PCI DSS protects you and your customers against theft and misuse of sensitive account and card data and is a seal of quality in payment transactions – regardless of whether a payment is processed at the point of sale or on the Internet.
SEPA is the Single Euro Payments Area for all member states of the European Union (EU), the European Economic Area (EEA) and Switzerland. The aim is to ensure that within this payments area there are no differences for customers between national and cross-border payments.
Tokenization is a procedure in which sensitive data, such as credit card numbers, are encrypted and replaced by substitute numbers called tokens. The original data are kept only in Worldline' PCI-compliant computer center, where they are secure and protected against unauthorized access. Worldline' tokenization solution enables merchants like you to offer a one-click-checkout and process recurrent payments. This saves you money and cuts out the effort involved in PCI audits.
A transaction is an individual payment procedure in which a debit card, credit card or customer card is used to buy goods or services or to withdraw cash at an ATM or in a bank.
UnionPay is the only Chinese card organization and the world's fastest-growing card brand. For the increasing number of Asian customers UnionPay is an indispensable means of payment.
Visa is one of the world's leading credit card organizations. With Visa acceptance you can rely on a strong image and a high level of brand recognition.
The digital wallet simplifies payments on the Internet and offers financial institutions in Europe a modern payment solution for digital commerce (e-commerce and m-commerce). The cardholder stores their address details or their credit card number securely in their wallet and then no longer needs to enter them for every online purchase. Mastercard's electronic wallet is called Masterpass, while Visa's electronic wallet is called Visa Checkout.