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 | Security of Internet Purchases |
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FAQ's
   
Security Overview
Transaction Encryption
Security for the Shopper
Data Storage
How secure is WorldPay?
If I key in my card details at home or in the office, are the details encrypted before they arrive at the WorldPay system?
What is the level of encryption on the WorldPay server?
What is a digital certificate?
Security Overview
Security is probably one of the most significant concerns for both the shopper and the retailer during an online transaction. In reality, an online transaction is probably more secure than a card transaction in a shop or conducted over the telephone or by fax, as the information transmitted online is strongly encrypted using complicated logarithm combinations.
The WorldPay payment system uses a combination of both established and innovative techniques to ensure the security and integrity of all sensitive data. Furthermore, our public web servers are certified by Thawte, a public Certificate Authority, ensuring that both the shopper and retailer can have confidence that nobody can impersonate WorldPay to obtain confidential information.
Transaction Encryption
The transfer of the purchase details from the retailers site to Worldpay are encapsulated using our own encrypted and digitally-signed protocol. This uses a combination of standard methods such as PGP, RSA and MD5 to ensure that the information passed is secure and tamper-proof via SSL. See Purchase Token Security for details.
Security for the Shopper
Any communication between the shopper and WorldPay is also encrypted to the maximum strength supported by the shopper's browser using 128 Bit SSL. Shoppers are also protected from fraudulent use of their card in a "card not present" environment, by their card issuers. The card issuers provide the right for shopper to dispute a transaction if the goods/services did not arrive or if the card was used fraudulently.
Data Storage
Data storage on WorldPay systems, and the communication between WorldPay and the worldwide banking networks, is regularly audited by the banking authorities to ensure a secure transaction environment. We also ensure that we stay up-to-date with the latest versions of any third-party code we use, and continually review our own proprietary code
How secure is WorldPay?
WorldPay uses state of the art security tools and techniques, both proprietary and unique, to ensure that Big Safety and the shopper are protected against what is nowadays a virtually non-existent risk. Our systems also have inbuilt system redundancy and fault tolerance, to provide you with a virtually uninterrupted service 24 hours a day, seven days a week. Our systems have evolved over many years and throughout our history we have continuously sought and gained bank approval for our systems.
If I key in my card details at home or in the office, are the details encrypted before they arrive at the WorldPay system?
Yes, by using industry standard SSL, Thawte and WorldPay's unique encryption system, all the card details are encrypted before they reach the WorldPay system. What happens is when a shopper fills in the payment form and clicks the 'Submit' button, their details are not sent straight-away. Instead a secure link is set up between the shopper's browser and WorldPay producing a private/public encryption code which then wraps the transaction details before leaving the shopper's premises.
What is the level of encryption on the WorldPay server?
WorldPay use Thawte 2048 bit encryption systems. At the browser 128 Bit SSL is used.
What is a digital certificate?
A digital certificate is an electronic document that is passed between a browser and a server, in order to verify the sender's identity.
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