Security
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.
The 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.
All communication
between
the customer
and WorldPay
is encrypted
to the
maximum
strength
supported
by the
customer's
browser
using:
TLS or
SSL (security)
Our 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.
All 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 tamper-proof.
Data
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.
WorldPay
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.
These
two combined
allow
complete
protection
for a
cardholder.
