CyberShopUK ecommerce without installing shopping basket software. Plus add secure card processing to any web site

Approaching an 'acquiring bank' for an Internet Merchant Account

You are of course free to choose any of the following acquiring Banks, regardless of who you use as your current business bankers:

	American Express : In order to accept AMEX Cards, you will require a separate merchant agreement directly with American Express. You may only use this account in conjunction with one of the other Merchant Services. Recruitment line: 0800 339911
	Diners Club International : In order to accept Diners Club Cards, you will require a separate merchant agreement directly with Diners Club International. You may only use this account in conjunction with one of the other Merchant Services. Recruitment line: 0800 389 2224
	Alliance & Leciester : Merchant Services provided by euroConex. Recruitment line: 0845 8500195 option 3
	Bank of Scotland To use this bank, you must be an existing Bank of Scotland Customer. Recruitment line: 0800 652 5808
	Barclays Merchant Services Recruitment line : 0800 616161
	euroConex Recruitment line : 08456 080 120 Primarily for the Euro Zone
	HSBC Recruitment line : 08457 023344
	LloydsTSB Recruitment line : 0870 9017915 (option 1)
	Paymentech Recruitment line : +1 603 896 8530 Primarily for US/Canadian companies
	National Westminster Bank Streamline is a service provided by Natwest, a member of the Royal Bank of Scotland Group. This bank also supports multi-currency processing. Recruitment line : 0800 010166
	Ulster Bank Recruitment line : 028 9027 5824 (N.I) Recruitment line : 0035310025435

In addition to an internet merchant account, you will need some method by which the card transactions are processed (a Payment Solution Provider)

(£50 set-up + £10 p.mth + Bank Merchant ID required - For example, their fees may be £250 + 3.5% per transaction)

To register for a SECPay account, please complete our SECPay Registration Form with as much information as available. Where you are not sure of an answer, please leave the form blank and SECPay will talk you through the details if applicable.

Please ensure that a printed copy of the registration form is completed in block capitals, signed, and returned by post to :

SECPay Limited
Hanover House
High Street
Tonbridge
Kent
TN9 1BW.

Please note, this form requires Netscape 4 or IE4 or above. (Old AOL browsers may return an error)

(£200 set-up + £30p.mth + Transaction fees of approx 4.5%)

To register for a WorldPay account, please complete our WorldPay Registration Form with as much information as available. They will then be able to quote you costs and fees for the account.

WorldPay Registration Form

Real-time credit card processing system

One of the most important issues for shoppers on the Internet is that of SECURITY...will their credit card numbers be safe.

At CyberShopUK credit card numbers are not made available to the merchant - or indeed ourselves.

E-commerce security is provided by customer details being 'encrypted' during the journey from the shopper's computer to the e-commerce store.

At CyberShopUK we understand the importance of credit card security - which is why we do NOT issue card details to any of our merchants. When you proceed to our checkout, you are moving to a series of pages that are defined as 'secure'. This means that information will be scrambled ('encrypted') before leaving your computer.

One indicator that a page is secure, is the padlock icon that is common to many browsers. The locked padlock icon appears in the browser's status bar at the bottom of your screen on secure webpages. This shows you that data (such as credit card numbers) will be encrypted before it leaves your computer. When you proceed to the checkout after selecting your purchases in our Mall you will be taken to a secure area of our website so that you can enter your personal details and complete the transaction.

Padlock icon
(Internet Explorer)

Padlock icon
(Netscape)

Identifying a secure website
You may receive a warning message from your browser when you enter or leave a secure area of a website. This message can be switched off, so may not appear on your machine. If you see this message when entering a secure webpage it is further confirmation that data will be encrypted. Some e-commerce solutions are so poor that they offer crecit card payments via normal pages NOT even encrypted (look out for the padlock !)

Security certificates
Security certificates are used to confirm the identity of the website's operators. This is normally to provide the shopper with reassurance that the company concerned does exist and are not going to simply collect credit card numbers and run off!

A certificate can be issued by the company creating the web site or by a third party 'certificate authority' such as VeriSign. Companies such as VeriSign seek to establish the identity of the applicant before the certificate is issued.

CyberShopUK have been awarded a VeriSign certificate at https://www.CyberShopUK.com. If you wish to verify our certificate you can double-click on the padlock icon in your browser.

A security certificate can take some time to be awarded, and costs around £500. Using the CyberShopUK system you do not have to incurr this additional delay or up front cost. This makes our system both secure and cost effective.

CyberShopUK Card Processing
All the CyberShopUK merchants use a secure processing system. Card details are processed by a bank approved third party (either WorldPay or SECPay). Their systems decode the card details and process the transaction before taking the details off-line. These real time processing systems provide security that would normally cost a great deal to set-up for yourself. (We can of course provide this if required). Our merchants do not even have to worry about renting a phone based terminal as the details forwarded are simply the delivery address and payment confirmation.

Both the WorldPay and SECPay processing systems keep credit card details secure. In order to reduce administration and enhance security both the WorldPay and SECPay systems do not provide merchants with access to shopper's credit card details. WorldPay have even launched a NEW fraud guarantee scheme that protects the shopper from 3rd party fraud and protects the business from chargebacks !

As you can see - we take credit card security very serously!