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About SafetyPay

SafetyPay is a global, secure Internet payment solution that is available in a number of countries.

Online banking shoppers can use SafetyPay to make online purchases from merchants worldwide and pay directly through their local bank account in their local currency. In some countries SafetyPay offers shoppers the chance to complete their payment in cash over the counter at a bank, after they finish their online shopper journey.

Shopper journey overview

To use this method to make a payment:

  1. On the payment page, the shopper selects the SafetyPay payment method.

    The merchant's system redirects the shopper to the SafetyPay website associated with their declared country.

  2. The shopper selects the bank they want to use to complete the payment and clicks Confirm.

  3. The Transaction Confirmation screen appears with a transaction ID and instructions on how to complete the payment.

    If the shopper has chosen to pay in cash over the counter of their bank, this completes the shopper's online journey.

    If the shopper has chosen to pay by bank transfer, the shopper clicks on Continue and is then redirected to their internet bank.

  4. From their internet bank the shopper follows the onscreen instructions and completes the payment.

Many banks authorise the transaction immediately. Some other banks might authorise the transaction only during opening hours.

Note:  The screenshots below are for guidance only. They are correct as of September 2013, but may change in wording and/or design at any time.

SafetyPay landing page (Austria)

Shows bank transfer options.

SafetyPay landing page (Peru)

With currency selection dropdown menu, payment option choices and a message that shows delayed authorisation occurs outside normal business hours.

SafetyPay transaction confirmation screen

With instructions on how to complete the payment by a cash payment over the counter in a bank.

SafetyPay transaction confirmation screen

With instructions on how to complete the payment and the Continue button to display the shopper's online bank website.

Integration considerations

Time out

If a shopper decides to pay over the counter at a bank, they must do so less than two hours (maximum) after placing the order. If the shopper does not pay within two hours, the SafetyPay invoice automatically cancels. If the shopper then goes to the bank and tries to pay, payment is impossible and the merchant does not receive a payment.

We recommend that merchants allow a margin of 15 minutes after the two hours has passed. This 15 minutes allows time for communication delays between the bank, SafetyPay and Worldpay.

Merchants must think carefully about how to implement the timeout setting. If necessary discuss these arrangements with your support contact at Worldpay.


We recommend that merchants price their goods or services in one of the two authorisation currencies: US dollars (USD) or Euros (EUR). This policy avoids the double foreign exchange effect of an item priced in a local currency (for example 100 BRL) and then converted to the preferred currency for authorisation, and then converted back to local currency for the shopper to pay (104.23 BRL). Due to the foreign exchange conversions, this price is more than the advertised price!

Shopper country (XML Codes)

Merchants must understand the meaning of the XML codes shopperCountryCode (DIRECT) and country (REDIRECT).

Set these codes to the country of the shopper’s bank account. This is not always the same as the shopper’s IP country or the country of the shopper’s billing address.

For example, if the shopper has a bank account in Peru but is resident in Mexico, set the shopperCountryCode to Peru.  If this is not done, the shopper only has a selection of Mexican banks from which to make the payment.


We recommend that merchants inform their shoppers that Envoy Services appears as the payment recipient on the SafetyPay payment page. Making shoppers aware of this may reduce levels of shopper abandonment.

Payment method properties

The payment properties appear in the following table:

Property Description/ Value

Payment Type

Bank transfer


Austria, Brazil, Costa Rica, Mexico, Peru, Spain

Acceptance currencies


Settlement to Worldpay currency

Settled in the same currency as authorised:


Preferred currency


Shopper debit currency

Shopper's local currency. The current options are: EUR, BRL, CRC, MXN, PEN, USD

Worldpay accepts payment authorisation requests in USD or EUR, but SafetyPay displays the corresponding local currency amount to your shopper for payment. If the authorisation currency (USD or EUR) and the local currency are different, SafetyPay applies an FX (Foreign Exchange) margin to this currency conversion. This margin can be more than 5%.

Minimum amount for a single transaction


Maximum amount for a single transaction

5,000 USD

Direct refunds (Yes/No)?


Direct refunds - period

See the WPG Refunds Capability Table

Bank transfer refunds (Yes/No)?


Bank transfer refunds - period

See the WPG Refunds Capability Table

Chargebacks (Yes/No)?


Payment method mask


Supported languages

Spanish (ES), German (DE), Portuguese (PT)

Statement narrative (Yes/No)?


Dynamic descriptor (Yes/No)?


Payment traceability

Order number and transaction ID are SafetyPay references only. These cannot be used in the Merchant Interface (MI).

Direct model (Yes/No)?


Redirect model (Yes/No)?


Sandbox (Yes/No)


Service level




Payment timetable

The payment status is expected to change according to the following timetable:

Trigger Delay WPG payment status changes to: Notes

Shopper chooses the SafetyPay payment method


Payment is created in SHOPPER _REDIRECTED status.


Shopper selects the bank of their choice on the SafetyPay website to complete the payment

Typically minutes



Shopper completes the payment process using their online bank

Typically minutes


If the shopper chooses to pay by online bank transfer





Shopper makes a delayed payment at their bank

N hours


Where N represents the bank timeout in whole hours applicable for this merchant (or the default if no override is specified).

Bank/PSP authorises the payment

0 minutes


N hours


Some banks authorise the payment immediately, which results in a real time notification.

Other banks authorise the payment only during working hours. If a payment is submitted during non-working hours, the payment is not authorised until the opening hours of the bank.

Worldpay capture the payment

< 1 hour



Worldpay clears and settles the payment internally

6 working days



Worldpay settles to the merchant

n working days


The settlement to the merchant will happen according to the normal merchant settlement cycle.

SafetyPay: Example XML order