Split Platform Processing

Can I process transactions on the Worldpay Core platform and use Dynamic Payout?

Yes. While you would (continue to) process payment transactions on the Worldpay Core platform and consume reconciliation reports (e.g., EMAF) from the Core platform, you would integrate to the eCommerce platform to use Dynamic Payout to distribute funds to your sub-merchants. You would also consume certain Scheduled Secure Reports (SSR) from the eComm platform.

 

Can I process across both the Worldpay eCommerce and Worldpay Core platforms and still use Dynamic Payout?

Yes. You can process payment transactions on both platforms, if you need the capabilities of both. For example, if you were to process POS transactions on the Core platform and eComm transactions on the eCommerce platform. In this case, Worldpay requires the creation of Merchant IDs (MID) on the Core platform, even if the sub-merchant is only submitting transactions on the eComm platform. This allows us to use the Core MID as a common reference for payment reconciliation, as well as the Funding MID for funding instructions.

 

Do I need to create Legal Entities or sub-merchant on the eCommerce platform if the sub-merchants are only processing payment transactions on the Worldpay Core platform?

No. You do not create Legal Entities or sub-merchants on the eComm platform unless they are processing payment transactions on that platform. The eComm platform is aware of MIDs created on the Core platform via a back-end integration of the two platforms.

 

If I process deposits for a sub-merchant across multiple platforms, can I pay the sub-merchant for the total volume processed?

Yes. For example, if you process Visa deposits worth $500 on the Worldpay Core and Direct Debit transactions worth $100 on the eCommerce platform, you can pay your sub-merchant with one funding instruction for the sum total of $600.

 

Can I use Dynamic Payout in conjunction with the split settlement feature available on the Worldpay Core Platform?

No. We decided not to support this scenario, since it would add considerably to your operational overhead and potentially create confusion for your sub-merchants. For example, you would have to support multiple mechanisms for reconciliation, funding failures, and notices of change. Also, you would have to generate two 1099K forms for your sub-merchants (one per platform), and your sub-merchants would be funded from each platform each day.

 

What should I expect from a processing, funding, and reconciling standpoint, if I process payment transactions on the Worldpay Core platform and use Dynamic Payout on the eComm platform?

The following table provides a high-level view of the associated tasks.

#	Task	Platform	Comments
1	Sub-merchant Creation	Worldpay Core	Use Boarding Interface, or Merchant Boarding File/ Merchant Update File.
2	Process Payment Transactions	Worldpay Core	Use ISO 8583/ 610/ Express Acquired.
3	Transaction Level Reconciliation	Worldpay Core	Use EMAF File.
4	Working Chargebacks	Worldpay Core	Use Worldpay Core iQ and Charts File.
5	Reconcile Billing for #1 - 4	Worldpay Core	Use Worldpay Core iQ
6	Process Funding Instructions	eCommerce	Submit Funding Instructions to eComm platform via Batch or Online.
7	Reconcile Instruction-Based Payouts/rejects/NoCs	eCommerce	Use Scheduled Secure Reports.
8	Reconcile Billing for Dynamic Payout	eCommerce	Billing occurs daily on a per instruction basis.