ESSENTIALS - OVERVIEW

An Internet Merchant Account is a special type of bank account, dedicated to receiving the payments that you take online.

From there, the funds are transferred into your normal business banking account.

We deal with all the major banks that offer this service.

How To Apply for an Internet Merchant Account
Skypay is approved with all merchant banks that can provide you with a UK Internet Merchant Account. We have listed some of the popular providers and their contact details below.

You'll need an Internet Merchant Account with one of these banks to be able to accept payments through your website or over the telephone.

Skypay is listed with the banks as "UPG", which stands for "Universal Payment Gateway" - you'll need to mention that when you call the bank.

If you would like to speak to a real person about Internet Merchant Accounts please call us on 0845 475 4402

You'll need a shopping cart on your website, and a database to contain your products and their prices.

There are many different kinds of shopping carts.

And a few different types of database you could use.

Applying for Shopping Carts & Databases
Applying for a shopping cart and database will depend on who hosts your website.

Your host might have restrictions as to what carts and databases you can use.

Contact them to find out how to apply.

If you have questions about Shopping Carts & Databases - call us on 0845 475 4402

CURRENCIES
Your Skypay account can accept any currency as long as your bank has approved it - you'll need to ask them for more details.

CARD TYPES
Skypay can transact from the following card types.....

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*Amex/Diners need separate merchant agreements with the card issuer - please contact them for further details

If you would like to speak to a real person about currencies & card types please call us on 0845 475 4402

Once you have chosen your shopping cart and database, you will need to integrate them into your website.
We have a couple of methods of integration depending on your requirements and your level of compliance under PCI DSS (Payment Card Industry Data Security Standard).

Skypay Complete

• we host a standardised payment form on our system so you have no need to deal with credit card numbers, reducing your compliance needs
• your site registers the payment and then sends the client to our secure URL for payment.  We send notification of success and then return the client to you site
• supports 3DSecure authentication
• the payment form can be templated to match the design of your site
• download our Skypay Complete documentation

Modules

We have some modules that other developers have created to integrate various membership and ecommerce software into Skypay. Please click here to see the available Modules.

If you would like to speak to a real person about integration please call us on 0845 475 4402

Taking payments online is a serious business, with strict rules governing the way it must be done.

We are fully-compliant with all the latest rules and regulations  and can supply advice or whole solutions.

We are audited each year to make sure we adhere to the highest levels of compliance and the criteria are shown below:

Build and Maintain a Secure Network
Requirement 1: Install and maintain a firewall configuration to protect cardholder data
Requirement 2: Do not use defaults for system passwords and other security parameters

Protect Cardholder Data
Requirement 3: Protect stored cardholder data
Requirement 4: Encrypt transmission of cardholder data across open, public networks

Maintain a Vulnerability Management Program
Requirement 5: Use and regularly update anti-virus software
Requirement 6: Develop and maintain secure systems and applications

Implement Strong Access Control Measures
Requirement 7: Restrict access to cardholder data by business need-to-know
Requirement 8: Assign a unique ID to each person with computer access
Requirement 9: Restrict physical access to cardholder data

Regularly Monitor and Test Networks
Requirement 10: Track and monitor all access to network resources and cardholder data
Requirement 11: Regularly test security systems and processes

Maintain an Information Security Policy
Requirement 12: Maintain a policy that addresses information security

We passed the latest audit in June 2011.

If you would like to speak to a real person about compliance please call us on 0845 475 4402

When your customers put their card details into your website, they must be sure the data is encrypted.

You'll need an encryption tool like a secure certificate in place on your website.

We can supply one if required or advise you as you complete your own encryption solutions.

More details about our secure certificates are below:

Geotrust

GeoTrust is the world's second largest digital certificate provider and the right choice for small-businesses looking to offer security and peace-of-mind coupled with a brand consumers know and trust. More than 100,000 customers in over 150 countries trust GeoTrust to secure online transactions and conduct business over the Internet. Their range of digital certificate and trust products enable organizations of all sizes to maximize the security of their digital transactions cost-effectively.

Thawte

Thawte is the certification authority chosen by hundreds of thousands and has been innovating and delivering trusted services for more than a decade. They enable businesses and individuals to communicate and transact securely by verifying and authenticating their identities, thus allowing them to gain the trust and confidence of millions of users. thawte is the choice for small businesses throughout Europe and Asia and is a name consumers in those regions know and trust.

VeriSign

VeriSign is the trusted provider of Internet infrastructure services for the networked world. Billions of times each day, VeriSign helps companies and consumers all over the world engage in communications and commerce with confidence. 93% of Fortune 500 companies choose VeriSign to provide SSL services for their websites.

 

Your website will need some design work to accommodate the new facilities.

You may already have a designer that can help with that?

If you don't, we can help. Our design team can be reached at design@skypay.co.uk

If you would like to speak to a real person about design please call us on 0845 475 4403