Payment Gateways for Online Card Payments

At Cheap Takeaway Websites we put a great deal of work into our website design. Takeaway websites are, after all, what we are about. However we like to think of ourselves as being able to offer our takeaway website customers so much more. That’s why we are also able to offer great deals on our products and special offers just for our customers.

The Cheap Takeaway Group has researched the ins and outs of payment gateways. In conjunction with Worldpay, one of the world’s leading online and point of sale payment provides, we have agreed special rates to benefit our customers.

Using our sister site Cheap Takeaway Menus as an example, here are instructions for our customers to register at Worldpay and take advantage of the low rates we have in place there. By following the step by step guide you should be set up in no time.

As we have agreed preferential rates with Worldpay, simply phoning or registering by going to their website will not send you to the correct place.

This link will identify you as a Cheap Takeaway Websites customer. You will be directed to our own registration page at Worldpay which includes the great rates we have negotiated. Only by using this link will the rates be linked with your account, and your account linked with us. A separate link will shortly be available for the Cheap Takeaway Group as a whole.

Our agreement with Worldpay means that Cheap Takeaway Menus are a pre-approved client. This allows our customers’ accounts to be processed quickly, without the multiple inspections which would normally take place.

Signing up through this link has the added bonus to you of allowing us to help manage the admin on your Worldpay account. We can access and set up the necessary security on your behalf, saving you time and effort.

 

The page will look like this.

sign-up-page

Enter your details and tick the Terms & Conditions box, the Create an Account.

 

The following popup box will appear over the page you have just filled in.

welcome

You should immediately receive an email with a link to confirm your email address. Click the link in the email and then return to this page and click Get Started.

 

The next page to appear should be your Dashboard, as seen below.

dashboard

Obviously there is no information here yet, but this page will start to fill up with data once you start using Worldpay. Click on Activate in the top right corner to continue entering your details.

activate-account

As you scroll down to enter information you will come to the section requesting you to choose which Shopping Cart you are using. Drop down the list and choose Direct API Integration, as illustrated below. Once you have chosen, click Next.

integration

This will bring you to Company Details. Fill out all the information requested before clicking Next.

company-details2

company-details

Moving on to the Business Profile. Here there are a couple of vital pieces of information you need to provide. In the box ‘What is your average monthly turnover for the next 12 months in GBP?’ you need to enter a figure of 12500, which will add up to 150000 for the year.

A little further down you are asked ‘What is your average Transaction Value in GBP?’ Into this box enter 10 – 40.

Entering these two figures will ensure you receive the rates Cheap Takeaway Menus has negotiated for our clients. When you have completed this section, click Next.

business-profile

Enter the bank details you wish to use for Worldpay transactions and payments. Click Next.

bank-account

Complete Section 5 as necessary. Click Next.

order-optiions

On the next page you will see that the Cheap Takeaway Menus Pricing Plan is already listed. If this has not appeared at this point, contact Worldpay and explain the issue.

ctm-rates1

If you click on View details beside our name the pop up box below will appear. Here you can see the details of the rates we have agreed with Worldpay for Cheap Takeaway Menu customers.

ctm-ratres2

If you’ve opened the above box to read, close it and click Next. This will take you to the Finish page to complete your activation.

Following this, Worldpay will process your account and set things up ready for you to start taking payments.

It should be as straightforward as that. If you have any problems along the way, either Worldpay or ourselves will be happy to answer any questions.

What are payment gateways and how do they work?

Payment gateways. You use them. We use them. We do business with payment gateway companies. It makes sense for us to know how they work. It’s interesting stuff and it shines a light on what happens once a customer places their order and how their payment reaches your business.

All businesses operating e-commerce sites (in today’s world that means all businesses) need to use a payment gateway. It is a necessary system which allows you as a takeaway business to accept credit and debit card payments, or indeed any form of electronic payment.

A payment gateway is a piece of software which facilitates the communication of transaction information (card details and payment amounts). It is a service which automates the payment transaction between the customer and merchant.

It is usually provided by a third-party service and is actually a system of computer processes that process, verify, and accept or decline credit/debit card transactions through secure Internet connections.

In layman’s terms it is a secure bridge between your takeaway’s website and the customer’s bank or card company.

How does a Payment Gateway work (from your takeaway’s perspective)?

Here is the simple version

  • The customer places order on your website.
  • Their web browser encrypts the information to be sent between the browser and your webserver.     
  • Your system then forwards the transaction details to your payment gateway (Worldpay, PayPal etc.).
  • The payment gateway forwards the transaction information to your bank.
  • Your bank then forwards the transaction information to the customer’s bank to be accepted or declined.
  • The customer’s bank sends a response back to the payment gateway.
  • The payment gateway receives the response, and forwards it on to your website where it is interpreted as a relevant response then relayed back to both you and your customer.
  • Amazingly, this entire process typically takes less than a couple of seconds.
  • There are a couple more steps in there but the gist is that the customer’s payment details are sent through encrypted channels and their bank or card issuer says ‘go’ or ‘no go’ on the payment.
  • The above process is repeated but this time to “Clear” the authorisation by consummating the transaction. This results in the customer’s bank ‘clearing’ the authorisation (i.e. debits the customer’s account) and prepares to settle with your bank.  Please note that the money will not show up in your account immediately, but it has now been earmarked for you and will appear in your account in a couple of days (see below).
  • You then fulfil the order.

Later you submit all your approved authorizations to your bank for settlement via its processor. Your bank makes a batch settlement request of the credit/debit card issuer. The credit/debit card issuer makes a settlement payment to your bank. Your bank subsequently deposits the total of the approved funds into your account. The entire process from authorization to settlement to funding typically takes 3 days.

 

A not-so-simple version

This involves delving into things like Secure Socket Layer encryption and the numerous measures in place to detect and combat any attempt at fraud or theft (things like geolocation, velocity pattern analysis, OFAC list look-ups, and more). Suffice it to say that payment gateways live or die by their guarantee of security, so you and your customers can rest assured that information remains safe and private.

What does it mean for your takeaway?

The advantages of payment gateways are similar for both your takeaway and its customers.

The main advantage is in the security of information. Payment Card Industry (PCI) compliance is what allows e-commerce to continue and to grow. It was created by the major card companies because they were aware that the continued success of their business was predicated on privacy and the safety of information. As far as payment gateways are concerned, when a customer places an order from your website and enters their card details those details pass through your web server but are not stored by you in any way, instead moving directly to the payment gateway. By being able to pass on this information without delay there is no longer any need for you store any details and therefore you have immediately reduced the risk of anyone obtaining access to this extremely sensitive data.

Payment gateways give you as a business much more control and automation, allowing you to quickly perform transactions. They also help secure cardholder data while reducing your PCI compliance responsibility. It works much faster (and much easier) than manual card processing and is much more secure. Using a payment gateway means there is no need for the customer to click between your website and a third-party site (e.g. PayPal) to complete a transaction.

What does it mean for your customers?

Security. Pure and simple.

We all want our information to be safe and when we shop online we are putting our trust in the businesses we buy from. Your takeaway’s customers trust you to provide them with great food and service, and the safety of their personal information is a huge part of that service. Payment gateways are built on a foundation of security. Your customers will be shopping online for all kinds of products. To see the same payment gateways in place being used by some of the biggest companies and organisations in the country (and indeed the world) will give your customers that little extra confidence when they are buying tasty food from your humble takeaway.

Shopping online has become so simple that customers really don’t expect to have to deal with anything more than a few clicks and entering their card details. They really aren’t concerned with everything that goes on behind the scenes, and nor should they be as long as their data is safe. You are able to make them that promise by using a trusted gateway such as Worldpay, and the customer will recognise just how easy the transaction was for them. As with any other takeaway order they place from you, be it face to face or over the telephone, the easier it is for them the better. The less memorable (i.e. the easier) the ordering experience is for them the more they will remember the service and the food. And the more they will come back!

Payment gateways are a necessity. They are also a marvel. By knowing how they work you can feel safer about the transactions you carry out on a daily basis. By knowing how much work they do for you, you can get on with everything else you need to do to make your takeaway the success it deserves to be.

 

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