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
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.