e-Commerce Gateway

Customers can buy from your e-shop 24/7. They can pay with a debit, credit or prepaid card

24/7 PAYMENTS WITH DIRECT CREDIT

Your customers can buy from your e-shop from their computer, smartphone or tablet, whenever they want in the day. They complete their card payment the moment of purchase.

The next business day, the collection of their card payments for their purchases in your e-shop are credited to your account.

WITH EUROBANK OR ANOTHER BANK CARD

For their purchases in your e-shop, your customers can use debit, credit, prepaid or corporate Visa, Mastercard and Maestro cards. It does not matter which bank issued the card or the country of origin.

American Express and Diners Club cards are excluded.

WITH ALTERNATIVE PAYMENT METHODS

Boost your sales with additional payment options for your card paying customers:

• Payment Link – send customers a payment request automatically by email through Worldline's ePOS platform or through an email, SMS, social media etc. that you process. See in detail how they can pay with the Payment Link service. Payment Link.
• Live Pay – customers can complete their payment by debit, credit or prepaid card of any bank on the Live-Pay platform. See how to pay with the Live-Pay online payment service step-by-step. Live-Pay.

Your customers pay through the services without registering for them.

THROUGH PAYMENT OR PRE-AUTH

Transactions in your e-shop can be completed:

• Through direct debit (Payment).
• Through pre-authorization (Pre-auth) – with the possibility of full (Capture of Pre-auth) or partial (Partial Capture of Pre-auth) debit of the initial amount.

You do e-commerce with specifications trusted by leading companies in Greece. Take advantage of promotional opportunities.

HIGH STANDARDS OF E-COMMERCE

More than 10,000 businesses in the e-commerce sector in Greece use the e-Commerce service.

They carry out over 1,500,000 transactions every month.

COST BASED ON YOUR NEEDS

With the e-Commerce service you can meet your e-commerce needs, regardless of your business activity.

The cost is based on the features of the e-Commerce service you want for your e-shop. You receive an economic offer depending on the size and needs of your business.

OPEN UP TO NEW MARKETS

Bring your business up to date with multiple payment options through your e-shop. This gives you the opportunity to:

• Dynamically enter the ever-growing e-commerce market.
• Attract more customers from Greece and abroad for your products and services.

By developing your business in the field of e-commerce you gain competitive advantages in the market.

PROMOTION AND ADVERTISING OPPORTUNITIES

For example, by participating in the €pistrofi loyalty programme you gain another competitive advantage. Boost the visibility of your business and participate in promotional activities with a wide audience.

They can pay quickly with the same card, with interest-free instalments or a standing order, and be rewarded for their purchases.

FAST ONLINE PAYMENTS WITH TOKENIZATION

With the Tokenization functionality, your customers do not have to fill in their card number every time they pay in your e-shop.

After their first purchase with their card in your e-shop, a unique number (token) is generated. This number:

• Is stored in your system instead of the card details.
• Corresponds to only one card.
• Cannot be used for payments to other e-shops.

This allows your customers to make quick purchases in your e-shop without having to enter their card details each time.

See in detail how your customers' payments are protected.

MONTHLY INTEREST-FREE INSTALLMENTS

If your customers pay by card in your e-shop, they can choose to pay for their purchases in interest-free instalments.

According to your commercial policy, you can specify:

1. The minimum and maximum purchase amount that can be made in interest-free instalments.
2. The number of instalments corresponding to each purchase amount.

See in detail with which credit cards your customers can pay you in interest-free instalments.

RECURRING PAYMENTS

Your customers can securely make recurring fixed amount payments to you, such as for:

• Insurance premiums
• Monthly or annual subscriptions
• Smartphone charges etc.

BY STANDING ORDER

Give your customers the opportunity to make payments in your e-shop with automatic debit of their card on the date they have set.

€PISTROFI LOYALTY PROGRAMME

If your business participates in the €pistrofi loyalty programme, customers earn €pistrofi euros for purchases made with a Worldline card that participates in the programme.

See all the benefits your customers get from the €pistrofi loyalty programme.

Manage your e-shop transactions quickly and safely, with complete notification and through different user levels.

THE MANAGEMENT TOOL YOU USE

Connect to the Back Office management tool of the Worldline e-Commerce service to monitor and manage the transactions made in your e-shop.

After acquiring the Worldline e-Commerce service, you receive the login credentials for the Back Office management tool (Username and Password) and make test transactions. You are then able to use the service to make sales in your e-shop.

View in detail:

• How to use the Back Office tool in the guide with instructions for managing your transactions.

COMPLETE INFORMATION ABOUT YOUR E-SHOP TRANSACTIONS

Through the Back Office management tool of the e-Commerce service you are able to:

• Be informed in real time at the moment of the transaction.
• View the full history of transactions at any time.
• Save and, if you like, print the receipt for each transaction, e.g. charges, refunds.

This way, you can refer to your transaction log and monitor your e-commerce activity quickly and easily.

YOUR ACCOUNT ACTIVITY

Easily control your account activity from your e-commerce transactions:

• Online with your e-Banking codes

At the end of each day, your account is automatically updated for the transactions made through your e-shop.

FLEXIBILITY IN THE MANAGEMENT OF EACH TRANSACTION

Individually manage each transaction that takes place in your e-shop the way you want. Through the Back Office management tool you can set:

• Partial or full charge for card payments.
• Partial or total reversal of payment for specific payments.

CLASSIFICATION OF USER RIGHTS

Worldline e-Commerce users manage transactions in your e-shop with different access rights:

• Admin – right to any kind of management
• View Only – viewing rights only

Through the Back Office management tool, you can define users and access rights for each user individually as needed.

Your online transactions are carried out in Worldline's secure environment, in accordance with international security protocols.

PAYMENTS WITH STRONG CUSTOMER IDENTIFICATION

The e-Commerce service fully supports the 3D Secure protocol that secures online card payments.

To reduce the risk of fraud in online transactions, it implements Strong Customer Authentication (SCA). To secure transactions, you can use the guidelines for fraud prevention in e-commerce transactions.

By 31/12/2020, businesses must adopt the new EMV 3D Secure protocol.

SECURE ONLINE ENVIRONMENT

Customers make their payments in Worldline's secure online environment. Access to Worldline's systems is protected by Firewall technology.

The Firewall allows you to use certain services and block others. It also prevents unauthenticated users from gaining access to systems and databases containing confidential data and information.

DATA ENCRYPTION

The personal information of your customers who pay by card in your e-shop is protected by the TLS (Transport Layer Security) protocol. Their info is transferred at 256-bit encryption using the SSL (Secure Sockets Layer) protocol.

This way, your e-shop does not have access to their personal data, e.g. card number and expiry date, CVV2 / CVC2 code.

With a Redirect or Direct connection, you can make transactions in your e-shop. Additionally, you can make telephone or postal sales.

REDIRECT CONNECTION

If you have a Redirect connection, the customer pays you for their purchases in your e-shop through Worldline's online environment.

1. They make their purchases and are automatically transfered to Worldline's online environment to make their payment.
2. They fill out their card information and complete their payment. You are automatically notified of the completion of the payment through the Worldline platform.
3. Your e-shop is notified of the successful completion of the transaction. They then return to your company's e-shop.

With a Redirect connection, your company's e-shop does not have access to the customer's card details. This facilitates the shop's certification according to PCI DSS standards.

In addition, you can choose how the payment page is displayed in Worldline's online environment:

• Redirection – use the payment page from Worldline's systems
• iFrame – configure the payment page according to your ideas and aesthetics.

See the guide with technical instructions for the Redirect connection (available only in English).

DIRECT CONNECTION

If you have a Direct connection, your customer makes their purchases in your e-shop and fills in their card details in the online environment of your business.

Your customer's card details are securely transferred to Worldline (through the use of xml web service) and you are automatically notified when the transaction is completed. Your customer is informed by your e-shop about the completion of the payment.

Direct connection is suitable if you manage a large volume of transactions. It is important for your business systems to:

• Have developed infrastructure.
• Transfer data with a minimum of 128bit encryption using the SSL (Secure Sockets Layer) protocol.
• Be certified according to PCI DSS standards.

For more detailed information, see:

• Guide with technical instructions for Direct (MPI) interface (available only in English).
• Guide with technical instructions for Direct (EPOS) interface (available only in English).

FOR TELEPHONE OR MAIL ORDERS

Through the Virtual Terminal service you can easily make telephone or mail orders in your e-shop:

1. Receive your customer's card details by phone or written authorisation.
2. Enter the card details on the specially designed payment page of the Virtual Terminal service with the codes we give you.

Payments by credit, debit or prepaid cards are protected in accordance with all security rules and standards.

To connect to the Virtual Terminal service, you do not require any technical implementation. If you desire, you can integrate the telephone orders you receive into your company's commercial management system (ERP, CRM, Call Center, etc.).

Contact us and get specialized advice on your connection to the service and every other need.

CONNECTING TO THE SERVICE

Follow the step-by-step instructions in the user manuals we provide you for Redirect or Direct connections.

To make your connection to e-Commerce even easier, we offer additional solutions:

• Our associates provide you with specialized technical support.
• You can get your questions answered by phone at (+30) 2106303000.

FOR EVERY NEED THAT ARISES WHEN USING THE SERVICE

For any assistance you may need when using the e-Commerce service:

• Call at (+30) 2106303000. The help line is available Monday to Friday 07:00-00:00, Saturday 08:00-22:00 and Sunday 11:00-20:00.
• Send an e-mail to ecommerce_support@cardlink.gr.

DO I HAVE TO HAVE AN E-SHOP TO GET E-COMMERCE?

Yes. The e-Commerce service is linked to existing e-shop infrastructure.

HOW CAN I CONNECT TO EUROBANK’S MERCHANT SERVICES E-COMMERCE THROUGH WORLDLINE?

You can manage your customers’ payments online:

• By Redirect interface
• By Direct interface

Additionally, for mail or telephone orders through your e-shop, you can connect to the Virtual Terminal service without technical implementation..

CAN I SELL TO MY CUSTOMERS ABROAD?

Yes, as long as your e-shop customers make payments using Visa, Mastercard or Maestro cards.

HOW DOES THE EUROPEAN PAYMENT SERVICES DIRECTIVE 2 (PSD2) AFFECT ONLINE PAYMENTS TO MY E-SHOP?

PSD2 introduces new security requirements related to:

• Single payments in an e-commerce environment.
• Standing orders for recurring payments to e-shops.