is probably one of the most significant concerns for both
the consumer and the merchant during an online transaction.
In reality an online transaction is probably more secure
than a card transaction in a shop or conducted over the
telephone or by fax. Information transmitted online is
encrypted using complicated algarithm combinations unlike
these other methods that use standard medium coding.
WorldPay Select payment gateway uses a combination of
both established and innovative techniques to ensure the
security and integrity of all sensitive data, protecting
both the merchant and their customers.
communication between the customer and WorldPay is encrypted
to the maximum strength supported by the customer's browser
using: TLS or SSL (security)
public web servers are certified by Thawte, a public Certificate
Authority ensuring that customers and merchants alike
can have confidence that nobody can impersonate WorldPay
to obtain confidential information.
communication between the merchant and WorldPay, including
the details of the purchase are encapsulated using our
own encrypted and digitally-signed protocol. This uses
a combination of standard methods such as PGP, RSA and
MD5 to ensure that the information passed is secure and
storage on WorldPay systems, and the communication between
WorldPay and the worldwide banking networks, is regularly
audited by the banks themselves. There are no vulnerabilities
or 'back doors' in any WorldPay systems. We ensure that
we stay up to date with the latest versions of any third-party
code we use, and continually review our own proprietary
code, using current best practice at all times.
In addition card issuers protect cardholders from fraudulent
use of their card in a card not present environment, such
as over the Internet or telephone. As the customer did
not sign for the goods they have the absolute right to
demand a chargeback if those goods didn't arrive or the
card was used fraudulently.
also insure all of our merchants against the risk of them
going out of business. If one of WorldPay's online merchants
goes into receivership WorldPay protects the cardholder
by directly refunding any debits onto their card.
two combined allow complete protection for a cardholder.