Worldpay
- Feature Levels
- UI Configuration/Processing Options Tab
- Supported Functionality
- $1/$0 Authorizations Available for 3 Credit Card Types
- Recurring Payment and $1 Authorization Support
- Worldpay Smart Payments Enhancements for SEPA Direct Debit
- Tokenization
- Webhook Notifications Implemented for Worldpay Smart Payments
- Update Payment Token via API Added
- Worldpay Smart Payments: Enhanced Webhook Notifications
Feature Levels
| Feature | Basic | Advanced | Complete |
|---|---|---|---|
| Tokenization | X | X | |
| Credit Card Processing (Authorization, Capture, Cancel, Reversal) | X | X | |
| Debit Card Processing (Authorization, Capture, Cancel, Reversal) | |||
| 3DS Secure 1.0/2.0 | |||
| Refunds (Full and Partial) | |||
| Recurring Transaction Indicators (CIT/MIT) | X | X | |
| Fraud Scoring | X | X | |
|
Webhook/Event Notifications (Asynchronous Events and Chargeback) |
X | X | |
|
Minimal Authorizations ($0/$1 Authorizations) |
X | X | |
| U.S. ACH Direct Debit | X | X | |
| U.K. BACS Direct Debit | |||
| E.U. SEPA Direct Debit | X | X | |
| Level 2/3 Data | |||
| Account Updater (Batch or Real Time) | |||
| Soft Descriptor | X | X | |
| CVV/AVS Controls | |||
| Digital Payment Method (Apple Pay) | X | X | |
| Deferred Payment Methods | |||
| Network Tokenization |
Worldpay is a U.S. multinational financial technology and payment processing company, providing payment and technology services to merchants and financial institutions globally. Its base consists of other financial institutions, including regional banks, community banks, credit unions, and regional personal identification number (PIN) debit networks.
As part of Smart Payment functionality, Worldpay enables payment capture, fraud scoring, and a host of other supported features.
UI Configuration/Processing Options Tab
Screen shot of UI Processing Options tab with field names/descriptions
Soft Descriptors
Aria has implemented soft descriptors to set the description that will appear on a customer’s bank statement for credit/debit transactions. This applies to Credit Card, Tokenized Credit Card, ACH and SEPA payments. This can be added at the Payment Gateway level (Configuration > Payments > Payment Gateways/Collection Groups > Field Options tab) and the Collection Group level (Configuration > Payments > Payment Gateways/Collection Groups > Advanced Options tab) level.
Aria truncates the original soft descriptor to the maximum allowable characters before sending it to Worldpay, in accordance with the pay methods in the following table:
| Pay Method | Maximum Amount of Allowable Characters |
|---|---|
| Credit Card, Tokenized Credit Card | 22 |
| ACH, SEPA, Tokenized SEPA | 25 |
Soft descriptors are currently used in support of pay method 2 as an alternate payment method. This will support other alternate payment method types in future releases (Configuration > Payments > Payment Gateways > Field Options). This field supports a maximum of 25 characters; Aria will truncate the field value if it exceeds this length to avoid transaction failure.
Fraud Sight Scoring
Aria has also implemented Worldpay’s Fraud Sight feature to integrate with Worldpay’s credit card fraud protections. Aria receives the
Additional Fraud Scoring Fields Added
Aria enables more fields for fraud sight data scoring as part of Worldpay’s Smart Payments configuration. The following fields will be sent for Tokenized Credit Card payments (pay method 13) via the validate_acct_fraud_scoring_m API:
| Aria Fields | Worldpay Fields | Worldpay Description About This Field |
|---|---|---|
| <first_name>+<last_name> | shopperName | The shopper's name |
| <acct_no> | shopperId | Your ID for your shopper |
| <date_of_birth> |
birthDate.date dayOfMonth="xx" month="xx" year="xxxx" |
The shopper's date of birth |
| <bill_first_name> | shopperAddress.address.firstName | The first name of the shopper on your system |
| <bill_last_name> | shopperAddress.address.lastName | The last name of the shopper on your system |
| <bill_address1> | shopperAddress.address.address1 | The first line of the shopper's address |
| <bill_address2> | shopperAddress.address.address2 | The second line of the shopper's address |
| <bill_zip> | shopperAddress.address.postalCode | The shopper's post code |
| <bill_city> | shopperAddress.address.city | The shopper's city |
| <bill_country> | shopperAddress.address.countryCode | The shopper's country (Format: ISO-3166 country code) |
| <intl_phone> | shopperAddress.address.telephoneNumber | The shopper's telephone number |
To use this feature, the following must be configured at the Payment Gateway or Collection Group level for Worldpay (Configuration > Payments > Payment Gateway/Collection Groups > Processing Options):
- Send Fraud Sight Request – Enabled
The following fraud score results are returned from Worldpay via validate_acct_fraud_scoring_m when Send Fraud Sight Request is Enabled (from the
High-Risk Low-Risk Review
Apple Pay Payment Method Now Available
Aria is excited to introduce Apple Pay as a digital payment method to our Worldpay Smart Payments integration. Tokenized payments are supported for the Visa® and Mastercard® card types.
To configure Apple Pay for Worldpay Smart Payments, navigate to the Apple Pay tab (Configuration > Payments > Payment Gateways/Collection Groups [Worldpay]). Download the Certificate Signing Request (.csr) file (Step 1). After downloading the .csr file, perform the following (Step 2):
- Visit the Apple Pay portal.
- Log into your merchant account.
- Attach the CSR file.
- Get the .cer format file.
After obtaining the .cer file, upload the file from the Apple Pay tab (Step 3) to complete the pre-requisite steps for making Apple Pay payments.
You can now contact Aria with your Apple Pay payload using existing Aria APIs as part of your Worldpay Smart Payments integration.
SEPA Payments Modified and Shipping Contact Details Stored for Apple Pay
Worldpay Smart Payments now supports storage of shipping contact details in Aria by parsing this information from an Apple Pay-encrypted payload. Additionally, Aria has modified the implementation of SEPA Direct Debit Payments (Payment Method = 26) and Tokenized SEPA Direct Debit Payments (Payment Method = 37) so that, instead of a create_token request, now Aria will get a payment request. Transaction logging has been modified to support this change.
Supported Functionality
Additional details on available features
Capture and Payment
Worldpay’s Smart Payments integration includes Capture and Payment for pay method 1 (Credit Card). For Capture, this covers a previously authorized amount. For Payment, Aria performs both an Authorization and Capture internally.
Note: Payments are supported up to $1,000 USD. Any exceeded amount will generate the following error: “Transaction amount exceeds Maximum Transaction Amount set up for this merchant.”
Cancel Authorization
Authorization reversals have also been implemented as part of Worldpay’s Smart Payments integration. Since Worldpay doesn’t accept $0 Authorizations, the amount must be > $0. The old_proc_id is required to reverse authentication; in the absence of this id, the proc_payment_id is required.
Query Token
For Worldpay, Query Tokenization is included for pay method 13 (Tokenized Credit Card). For the Query Token action, Aria provides the token (<bill_agreement_id>
Refunds
Worldpay supports refunds of previously authorized transactions to your customer’s original payment method through the following:
- UI Refund: Refund the full or partial amount of a transaction to the original payment method via the UI (Accounts > [search for an account] > Payments & Credits > Refunds).
- API Refund: Refund either the full or partial amount of a transaction to the customer's original payment method via the issue_refund_to_acct_m API.
Tokenization (Create Token and Payment)
Create Token and Payment with Token functionality is now implemented as part of Worldpay Smart Payments for the following card types:
- American Express
- Discover
- Japan Credit Bureau (JCB)
- Mastercard
- VISA
Transactions for a specific amount using a customer credit card or Worldpay token are authorized for
Delete Token
Aria’s Smart Payments integration with Worldpay now includes the ability to delete (revoke) tokens and tokenized pay methods so they can no longer be used to process tokenized payments. This can be performed by either of the following:
- The remove_acct_payment_method_m API
- The Aria Billing Cloud UI (Configuration > Payments > Payment Methods)
ACH Direct Debit Payments
Also, ACH Direct Debit payments are now supported within your Worldpay integration (pay_method = 2). The following fields must be completed to enable this pay method (Account > [search for account] > Account Overview > Payment Methods):
- billingAddress
- firstName
- address1
- postalCode
- city
- countryCode
- bankAccountType
- accountNumber
- routingNumber
ACH direct debit in Worldpay requires a “bankAccountType” to be passed in the payment request with bank account number and routing number as the type of direct debit account used in the transaction.
Possible Values:
- Checking
- Savings
- Corporate
- Corp Savings
Note: ACH Direct Debit payments support both full and partial refunds.
$1/$0 Authorizations Available for 3 Credit Card Types
For the Worldpay payment gateway, Aria performs $1/$0 authorizations for the VISA, Mastercard and Discover card types only (for the Tokenized Credit Card pay method). Aria will not record authorizations for other Worldpay-supported card types.
Recurring Payment and $1 Authorization Support
Worldpay’s Smart Payments integration now includes recurring processing model support (via the
0 (CIT – Credentials on File) 1 (CIT – New) 2 (MIT – Recurring) 3 (MIT – Credentials on File)
Also, $1 authorization reversals have been enabled for Worldpay Smart Payments with this release. Initially, an authorization is performed for the incoming auth request. When an authorization is successful and the auto-reverse is enabled within the authorization request, a reversal request is built using the reference data from the original request and response.
The following client parameter must be set to True to enable an authorization request:
| Parameter | Description |
|---|---|
| Perform Authorization Request on Credit Card Update | Governs whether or not to perform a $1 authorization (in whatever currency is applicable) when an account's credit card information is updated. |
Please consult your Aria representative to enable this client parameter.
Worldpay Smart Payments Enhancements for SEPA Direct Debit
Aria has built additional functionality into Worldpay's Smart Payments integration with this release, including the following features:
- Aria introduces the Worldpay Query Token, which can be used for tokenized SEPA payments by passing in the bill_agreement_id as the token (referencing a back-end table in Aria).
- SEPA Direct Debit payments are now supported for Worldpay (Pay Method 26). Aria first performs an authorization transaction and then a capture transaction when receiving a Direct Debit payment request. The payment is authorized first, then captured, and finally settled by the customer's bank once the fund transfer is complete.
- SEPA Direct Debit Create Token functionality is now supported for Worldpay. This has been implemented along with Tokenized SEPA Direct Debit payments (Pay Method 37).
- SEPA Direct Debit Payment full and partial refunds are now supported for Pay Methods 26 and 37.
Transaction logging has also been implemented for the following:
- SEPA Direct Debit Payments
- SEPA Direct Debit Create Token and Tokenized SEPA Direct Debit Payments
- SEPA Direct Debit Refunds (must be in a settled status)
Tokenization
For pay method 37 (Tokenized Direct Debit), Aria will store the IBAN suffix (last four digits of the account number) when creating a token for this pay method. Aria will also store the generated mandate_id value when creating a token. Both the IBAN suffix and the mandate_id values will be displayed on the Payment Methods list (Accounts > [search for an account] > Account Overview > Payment Methods).
Webhook Notifications Implemented for Worldpay Smart Payments
With this release of Smart Payments for the Worldpay payment gateway, Aria now supports webhook notifications for Credit Card, Tokenized Credit Card, ACH, SEPA, and Tokenized SEPA payment and refund transactions.
Details follow on feature implementation:
- Integrated Worldpay webhook notifications for following pay methods:
- Credit Card (pay method = 1)
- Tokenized Credit Card (pay method = 13)
- ACH (pay method = 2)
- SEPA (pay method = 26)
- Tokenized SEPA (pay method = 37)
Update Payment Token via API Added
With this release, Aria adds the ability to update token expiry details for Worldpay as part of Smart Payments integration via the update_payment_method_token_m API. This includes the following input fields:
- <cc_expire_mm>
- <cc_expire_yyyy>
- <bill_first_name>
- <bill_last_name>
Worldpay Smart Payments: Enhanced Webhook Notifications
With this release, Aria's Smart Payments integration for Worldpay now supports webhook notifications for Credit Card and Tokenized Credit Card authorization failure events (i.e., card expiration). Also included is webhook support for success events (captures and refunds) for Tokenized Apple Pay payments. Worldpay Smart Payments also includes webhook notifications for failure events for payments/refunds for all payment methods supported by Worldpay Smart Payments.
The following webhook events are supported by associated pay methods included in Worldpay Smart Payments:
| Event Types | Pay Methods |
|---|---|
|
47–Tokenized Apple Pay |
|
1–Credit Card 2–ACH Direct Debit 13–Tokenized Credit Card 26–SEPA Direct Debit 37–Tokenized SEPA Direct Debit 47–Tokenized Apple Pay |
|
1–Credit Card 2–ACH Direct Debit 13–Tokenized Credit Card 26–SEPA Direct Debit 37–Tokenized SEPA Direct Debit 47–Tokenized Apple Pay |
|
1–Credit Card 13–Tokenized Credit Card |