Online Payments

Choose a Payment Service Provider

Taking orders online can mean big cost savings for your business or organisation.

You can take payments through your @UK site by cheque or account as standard, but in order to take online credit and debit card payments through your @UK website you require two things:

1. Internet Merchant Account

An IMA can be set up with a bank or Internet company and is an agreement to allow a business to accept credit / debit card payments. This type of account is separate from your normal business account.

2. Payment Service Provider

A PSP or payment gateway is a service which ensures customer credit / debit card details are passed securely from your website to the bank (or company) where your IMA is held. From here, the PSP then passes these details to the card holder’s bank to authorise payment. PSP services are offered by both banks and internet companies.

Both these services are offered by both banks and internet companies.

The Payment Process

Understanding the online payment process can be confusing. Below is a simple diagram of how an @UK website accepts credit and debit card payments, once an IMA and a payment gateway has been set up.

(click to enlarge image in a new window)

Step 1 - Customers go to your @UK website, select the products and services they would like to purchase and enter their credit or debit card details.

Step 2 - Your @UK website securely captures these details and is collected by a PSP.

Step 3 - The PSP then passes the card details to the bank where your IMA is held. From here, the PSP then passes these details to the card holders bank to authorise payment.

Step 4 - The payment is deposited into your Internet Merchant Account.

Choosing a PSP

@UK SiteGenerator websites currently support the following PSP’s, some of whom will also set up the IMA for you...

PSP Provider	PSP Product	Apply	Notes
	Barclays ePDQ extra plus	MORE DETAILS	For more details about ePDQ extra plus please see the Barclay card website. http://www.barclaycard.co.uk/business/accepting-payments/epdq-ecomm/extraplus/
	Sage Pay VSP Direct	APPLY	You’ll need the VSP Direct account. Will connect to your Lloyds TSB CardNet, HSBC, Bank of Scotland account.
	RBS Worldpay Invisible XML	MORE DETAILS	If you have an RBS account, then you should contact RBS Worldpay for details of how to integrate with your account. You will require a Invisible XML installation. If you have a different account please contact RBS Worldpay about how to convert it.
	Global Iris HSBC Merchant Services	MORE DETAILS	Contact / Support phone: +44 (0) 845 702 3344* Contact / Support email: globaliris@realexpayments.com After a successful application, you will receive account details that you can enter into our system and then start taking online payments.