Hi,

What do people think of worldpay?

Have they started to charge for chargebacks?

How easy is it to intergrate with their systems do they allow yo uto have your own payment pages and pass information to them through an API or do they require you to use payment pages on their servers?

Thanks,

Adam

Unless you're a large customer you can't use their API, you have to use their payment pages instead.

Originally posted by KDAWebServices
Unless you're a large customer you can't use their API, you have to use their payment pages instead.


Not true. I was allowed to use there API when I first started with them. When I started, I was not big. None the less, there normal payment intergration is so easy and customisable, you wouldnt really need to use there API at all.

There API is written in pure Java so it was a tedious task to work with. I am a PHP lover :D

They do not charge for chargebacks.

There support is great. I have been with them for a little over 4 months now. There is frankly nothing to complain about.

kunal

Your info is out of date, they have only recently changed policy on the API issue as we have had a couple of our customers ask worldpay about the API and both have been told the same answer.

We use worldpay and havent had any problems as of yet :D

Originally posted by KDAWebServices
Your info is out of date, they have only recently changed policy on the API issue as we have had a couple of our customers ask worldpay about the API and both have been told the same answer.


Thats very strange then! ag-webdesign, I would recommend emailing them and finding out for sure.

kunal

It's a serious PITA that's what it is, as it is stopping PSoft from integrating WorldPay into HSphere without a lot of buggering around.

They do have that thing where you can key in the credit card numbers for people ordering over the phone, ive never used it but wouldnt it be possible for them to just submit the credit cards to that?

Nope, the worldpay merchant agreement prohibits using an automated agent to submit credit card details to the system unless oyu have been granted use of the API version.

coudl someone tell me what is an api?

I'm having quite a bad experience with them now. I had a couple of their staff lie to me in order to get me to sign up and agree to a 1 year contract. Now that I have paid and realize that they lied to me about the features and they don't actually meet my requirements they are completely ignoring me. They won't return phone calls, emails, etc. It's been a couple of weeks now and they won't let me know if they will cancel my account with them. I guess I will end up having to do a chargeback for the fees, it is just a pain when a company that big ignores you.

Overall I would have to say they have been very unprofessional about the way they treat their customers.

WorldPay have been pretty good over the last 12 months, however, they have just introduced a 10GBP fee for all chargebacks.

Originally posted by regier
I'm having quite a bad experience with them now. I had a couple of their staff lie to me in order to get me to sign up and agree to a 1 year contract. Now that I have paid and realize that they lied to me about the features and they don't actually meet my requirements they are completely ignoring me. They won't return phone calls, emails, etc. It's been a couple of weeks now and they won't let me know if they will cancel my account with them. I guess I will end up having to do a chargeback for the fees, it is just a pain when a company that big ignores you.

Overall I would have to say they have been very unprofessional about the way they treat their customers.


Hmm.. interesting expierence.. What was the promised feature which was not delivered?

kunal

Originally posted by SuperDon
WorldPay have been pretty good over the last 12 months, however, they have just introduced a 10GBP fee for all chargebacks.

Man!! I dont get any news :bawling:

kunal

Originally posted by SuperDon
WorldPay have been pretty good over the last 12 months, however, they have just introduced a 10GBP fee for all chargebacks.

10 GBP... that's high :bawling:

Originally posted by diederik


10 GBP... that's high :bawling:

well I just confirmed with them.. its true... they deny the API thing though.. hmm..

kunal

They claim the £10 is because they now use Visa PIN identification and CVV2 but as its both optional to the customer
its just a money making scheme.

Also, the reason banks charge for chargebacks is that they have no security if all your customers charged back.
But worldpay do.
Last time I looked they had £30,000 of ours on deposit........

Unfortunately I need multi currency processing and there is not a lot of options.

Our chargebacks are mainly limited to people trying to get a refund many months into a hosting agreement (i.e. abusing the no signature rule in the card issue agreement).
Regardless of whether they can get the money back from their card company they still owe us the money so we are starting to pursue these debts (in the UK through county/sherrif courts).
Hopefull that will reinforce that doing a chargeback is actually a form of theft against the vendor.

Gordon gets tough ..........


Gordon

Gordon - Have you talked to Barclays? They offer ePDQ (www.epdq.co.uk), it can be used with multiple currencies as well, they don't charge for chargebacks and the rate is lower than worldpay as well for CC transactions.

Hello Karl
The reaon I haven't is that they changed it so it needs windows custom DLL (have a customer using it) and the costs didn't seem that much lower by the time you added it all up.
Might be worth looking at again though.

Worldpay have also had problems with orders going through but neither the callback ,t he callback failure alert or the receipts have been run.
We had two of these resulting in chargebacks and they claimed they couldn't find that days logs.
Blamed our systems, but we have two mail servers in seperate countries so it would have had to have been a catastrophic failure for the callbacks and the mail not to work and it must only have been fro a few seconds as it worked the rest of the day.

So basically I think they are lying.

Gordon

The feature that was needed for us was the abillity to increase the payments for the clients for when they want to upgrade the account, etc.

I had confirmed this feature many times before agreeing to sign up as it was a necesity for us to have. After signing up I tried to implement it and had a lot of trouble. I tried submitting a support ticket to ask for help and was told that I would have to pay them in order to get any help getting things running :(. Then I found out that they didn't actually offer this feature at all even though they had it in all of their documentation and everyone I asked said it was available.

Overall it was quite frustrating. I spent 3 months working with them before hand to make sure that they had all of the features that were needed, so it was quite a waste of time.

We have that feature and use it every day.
However you can't change the payments if its less than 10 days before the due date.

The main problem we have is people wanting to change card number when they have lost their passwords.
Worldpay are unable/unwilling to reissue them so we developed a credit card change form which sets up a new account.
We then kill the old one.

Gordon

Hmm,

That is annoying that they let you do that but are unwilling to budge for me in that regard :(. They claim that they will let me decrease the payments on an account but they won't let me increase the payments at all. This doesn't end up doing me much good though.

On the bright side it appears that they have read this post as I just received a confirmation letter that they have cancelled my account and issued a full refund. I've been messing around with this for a couple of weeks. I guess I should have just posted here instead.

With all the charges etc. taken in to account we worked out that you needed a turnover of about £9-10k per month on credit cards for ePDQ to work out cheaper, I believe we pay 3.65% on credit cards along with a monthly admin fee of £25, I believe in a previous thread you stated that your turnover was well above what I just mentioned, so it could be well worth you taking a look at - Especially as I believe your monthly turnover could well put you in the bracket that qualifies for a lower then 3.65% rate too.

We use *nix for our billing so we use the Java library. We've been using them for coming up to two years now and haven't had any real problems with them, there was a bit of a dodgy patch when they we're changing from using CyberCash to using their own servers with ClearCommerce Engine.

I just did some quick figures comparing WorldPay to ePDQ and it surprised me, the fees per month are:

£1k: WP - £57.50, ePDQ - £61.50
£2k: WP - £102.50, ePDQ - £98.00
£10k: WP - £462.50, ePDQ - £390.00 - also, I think when you get to £10k per month, ePDQ will give you a further discount, I think it's another 0.5% off of the CC rate.

Those fees don't take in to account the setup charge or anthing and are based on the standard ePDQ offering and the WorldPay Direct service.

I just noticed that WorldPay state they charge you 35p every time they deposit money to your account, so if they desposited funds every day then you would be charged on average an extra £10.64 per month as well.

Worldpay only deposit your money once a week, and they hold your money for 4 weeks before depositing it.

Ewww, that's not nice, we get our money deposited 24-72 hours after we process it, and wihtout any fees either for depositing it either.

Thanks Karl
Might be worth looking at.
We turnover about £25,000 per month on cards so every .1% is actually quite a lot of cash

Gordon

Yeah, that's what I was thinking, I'm pretty sure you'd be only paying something just over 3% with your turnover.

could a canadian company work with them? And BTW no one asnwered what api?

Not sure on the Canadian issue.

API = Application Programming Interface.

Yup,

I am canadian and that wasn't an issue.

Could we get more specific :-)

Hi!
We have been with worldpay for over 16 months I think...
They are very good and professional...
When we started our per transaction rate was 6% percent transaction. Now it is 4%...
Also earlier the wire was done in the 5th week. Now it is done in the third week...
Also they have promised us that it would further reduce.
Now these are the charges when you are a direct customer of theirs.
However if you are a bank aquired customer (i.e. you have a merchant status) then the rates are even lower...

What I like the most about then is that they are reliable and fast. For any company outside the US they are the best in my opinion.... Also they have some great features like future pay (recurring billing) and many fraud protection systems. So you are quite safe that way... Also, we as worldpay customers do not have any access to our clients credit card numbers so the clients feel safer that way... :)

The flip side is that it is a bit expensive (not very expensive) and the integration is via html, Java and ASP.. No php, perl or C.... :(

Have a great day ... :)

Regards
Amar

Originally posted by SplashHost.com
Worldpay only deposit your money once a week, and they hold your money for 4 weeks before depositing it.

We keep getting told 4 weeks, but it always works out to 6. We recently changed banks and had notified WP about this. We ended up sending them the form twice, and they are still depositing money in the old account. Well, actually, we are still waiting for our latest paymen.. 6 weeks and counting. GRRrrr

i came across this the other day.
www.iib.com.au
i am investigating the fees involved atm.

i did notice that a fair number of territories are not included in the insurance policy, the ones you actually want to be insured against mainly 8(

with regard to payment gateways.

I use eSec in Au, www.esec.com.au , it is AUD$0.22c per trans including GST + whatever bank fees your merchant facility gets charged

the funds are in your account next business day.

it's about the most cost effective gateway in Au.

Just a quick update, ePDQ has been updated to add more features:

Recurring billings, you can now set a payment as reccuring and set how often you want payment to be taken, can be set in Days, Weeks or Months and you can set the total number of payments to be taken.

I believe they also added support for Amex cards (But why anyone would want to pay the rates Amex charges for taking their cards is beyond me).

There were other items also, but I can't fin what I did with the update noticed (It was sent a while back).

well ... what you guys think . who is the best World Pay or Epdq...

We have used both, we left EPDQ for World Pay. World pay support, for us, has been loads better than EPDQ.
We did however leave EPDQ when they first upgraded from CyberCash. There new Store Counter was not very good, compared to EPDQ. I do not know what it is like now but you could not even modify the email reciept sent to the customer on purchase, and the EPDQ order pages were not very nice.

I suppose my retticence about epdq is that we are not an English company and amazingly interbank transfers to scotland are considered foreign transactions and take longer.

Mind you we use worldpay who are English and its the same problem but also Barclays is not a high street brand here .

Anyway I will consider it.
Right now we are just too busy to make those sorts of major changes.
Considering a big overhaul of our ordering system and if/when that happens it will be easier to move.

Gordon

Originally posted by jgriff64
There new Store Counter was not very good, compared to EPDQ. I do not know what it is like now but you could not even modify the email reciept sent to the customer on purchase, and the EPDQ order pages were not very nice.

They have come a long long way since November when they first moved from Cybercash. Having said that though, I can't comment on their order pages because we don't use them, we use the API. Never personally had a problem with ePDQ support, we asked for the docs for the API and they emailed them straight to us 5 minutes later.

Just to update this thread, we were turned down by Barclays Epdq for the following reasons:

1. web hosting too high risk.
2. we turn over too much per month on credit cards (!?)
3. holding company less than 12 months old (even though the
business is three years old)

The quoted us 3.3% inclusive of gateway fees prior to pulling out of the deal so it would have reduced our costs (although Worldpay is much cheaper for debit cards than Epdq).

By the way Worldpay have increased their charges.
They now charge £100 per year extra for doing recurring billing and £50 per year for offline processing.

Gordon

PaymentWatch.com gives them three stars. So, they must be good.