E-commerce is booming and by adding a secure credit card transaction area to your website you can be open for business 24 hours a day 365 days a year.

Catalogues can be created to display products for prospective customers to browse online which can be upgraded to feature shopping cart and on-line payment facilities.

Welcome to Web-Merchant...  Working With TalkInWebSites

... the easy, secure way to accept credit card payments on your web site.

Easy Acceptance

Obtaining a Merchant ID to allow your business to accept credit cards has always involved lengthy bureaucratic procedures, with submission of at least two years trading accounts.

Web-Merchant cuts through the red tape and allows potential merchants to obtain a Merchant Account quickly and easily. Over 95% of applications are accepted and it doesn't matter even if you are a sole trader or have been in business for only a week. 

On receipt of initial application form you will be notified of decision within 48 hours.

If you already have a Merchant ID with your acquiring bank, no problem. Web-Merchant is the link you require to connect your eCommerce site with the Credit Card Network.

Prices:

Free set-up

Annual charge £125 (plus VAT)

Optional PC Payment Terminal available for one-off £100 (plus VAT)

Transaction fee 4.5% (2.25% with an existing Merchant ID + Bank's charges)

Debit cards (Switch, Delta) charged at 50p only per transaction (25p with existing ID)

PC Payment Terminal

Once your account has been set up you will be able to accept credit card payments on your web site, with the transactions being verified automatically, in real time. 

With Web-Merchant this facility can then be extended for you to use in your conventional business.

A one-off  payment will provide you with the Web-Merchant Payment Terminal facility which allows you to verify credit card transactions on your PC.

You will be able to input information on a simple screen on your computer, enabling you to accept card details by phone, fax or mail-order. By simply connecting to the Internet you will link to your Web-Merchant facility and the transaction will be verified for you instantly. If you have a number of transactions to check, simply stay on-line and submit them one at a time.

Technology

At the heart of Web-Merchant is the WorldPay Payment Gateway. This provides the link between your web site and the International Credit Card Networks which include major operators such as Visa, MasterCard, JCB, American Express and Switch.

Web-Merchant integrates seamlessly with most of the leading eCommerce shopping cart software applications including Actinic, Intershop, Microsoft, Oracle, Shopcreator, Shop@ssistant, ShopMaster, etc.

All transactions routed via the WorldPay Payment Gateway generate digital receipts for both cardholder and the merchant. In addition, both parties are able to view an online statement of all transactions processed on their behalf.

Flexibility & Control

Web-Merchant allows for payments to be taken periodically by credit or debit card. This is ideal for allowing the customer to pay by installments or by subscription. Payments may be fixed or variable providing the same flexibility as standing orders or direct debits.

Web-Merchant allows payments to be deferred for up to five days, thus fulfilling local legislation when exporting to USA and Germany.

In the event of a refund being necessary, a transaction may be reversed by the Merchant and the customer's account credited electronically.

If you already have a Merchant ID for Card Holder Not Present transactions, Web-Merchant will link that facility to your web site and the charge is only 2.25% on top of what you pay already.

Payments are made to the Merchant by WorldPay every week, 28 days in arrears.

Multi-Currency

Because Web-Merchant enables your business to accept more than 160 currencies, your web site can display prices which overseas customers recognise and understand, and at the same time they will avoid the traditional currency conversion charges from their credit card operator. When it comes to the Merchant getting paid he can choose to receive his funds in over 20 currencies.