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Below you find a description of the typical payment process for a credit/debit card payment:
1. A shopper browsing on your website completes an order request. A purchase token containing the shopper transaction details and required Worldpay parameters is passed to the secure Worldpay payment server.
2. The shopper is redirected to the Worldpay Payment Selection page. On this page the shopper selects their payment method (for example, Visa, MasterCard).
3. The shopper is directed to the Worldpay Payment Page and he/she submits their payment details. These payment details (debit or credit card details) are sent to the Payment Service.
4. The Risk Management Module (RMM) checks are run at this point and this may occasionally result in the payment receiving a REFUSED payment status if a strong risk of fraud is indicated. Processing does not continue in this case.
5. For all other payments, the Payment Service contacts the financial institution (card issuer) for an authorisation and a result is returned.
6. The payment server communicates this result to your system and a Worldpay result page is displayed to the shopper indicating whether the payment has been successfully processed or not.
7. If the payment is refused by the card issuer, the shopper may try again using a different card or payment method. The payment status of the order is set to REFUSED on the Merchant Interface.
8. If the payment is authorised by the card issuer, the payment status of the order is set to AUTHORISED in the Merchant Interface and the payment process continues.
9. After a predefined period of time (the capture delay), or after receiving an immediate capture message from your system, Worldpay instructs the financial network to transfer money from the shopper. The payment status of the order is set to CAPTURED.
10. The funds are transferred from the financial network to Worldpay and reconciled (matched) to the corresponding order made by the shopper. Any service charges are added and the payment status is set to SETTLED.
11. After the appropriate transfer delay (as agreed in your contract), the amount owed to you is transferred to your bank account (although please note that the status remains at SETTLED once we have passed the funds to you).
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