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1. It might help if you transcribe the information from your card. The designs printed on most plastic cards make the numbers difficult to read in many lights. 
2. Take care to copy the name and all issue information exactly as it is printed on the card. 
3. Check for a new security code which is printed,  not embossed, and don't forget the issue number. Not all cards have this yet.

The information required

Everything that you pass over the net from the payment page is encrypted. 

Unlike ordinary emails which could be read if they were intercepted, extracting your card details would be effectively impossible.

It is very much safer for you to use the secure payment provider, rather than to send us your card details, and is also usually quicker, as you can see immediately if you have not provided all the required information.

The name on the card - exactly as it is written. Use the title, capital letters and any hyphens exactly as they  appear on the card.

Card issuer or type. The specific brand does not matter as much as the type of card. There are two main credit card systems, MasterCard and Visa, but there are numerous other reputable brands. The situation with debit cards is more complicated but Switch is the UK brand leader.

The Card number is the big, embossed number across the centre of the card. 

Valid until date is at the bottom right hand corner. Normally expressed as 2 sets of 2 digits i.e. 02 02 for February 2002. This format avoids US/European date format conflict!

(On some cards) The Issue number is normally 1 but, if there are several cards with the same details within a family or business, this number helps you, the cardholder, to identify the card used. The information is for your benefit.

The Billing Address. This must be the address to which the card statement is currently sent. The billing address must match the address held by the Card Issuer exactly. Address verification does increase the number of occasions when we have to query customers when the address entered does not match the address held by the card-issuer. Typically this happens when the cardholder has changed their address.

We do not need a delivery address for any of the services, unless you opt for a hard copy version of your Copy editing.

The card security code is a new number printed on the vast majority of credit/debit cards, often on the back of them. It is not embossed hence does not appear on receipts. This will help prevent 'cardholder not present' fraud, which often uses the information from discarded receipts.

How to find the security code. The format and position of the security code varies across card-schemes. Some cards have a three-digit number printed at the end of the card's signature strip. Some (Amex cards for example) have a four digit number on the front of the card. Some card issuers refer to this number as the 'security code', others as the 'personal security code' and others as 'card verification value'. In addition it may also go by the name of 'CVV2' for Visa Cards,  'card verification code' (CVC) for MasterCard/Eurocard and 'security code' for AMEX cards. The security code field is not mandatory so the shopper can ignore it.

The checks carried out on the details provided

The name on the card and the number must be a perfect match or your card will not be accepted.

The expiry date is checked as people do forget to use their new card when it is sent to them.

Address verification is provided by your bank and card-issuer. The information entered by you is passed to our banking partner who passes it to the card-issuer for comparison with their records. The result is then passed back through the system to us. Not every bank and card issuer supports address verification.

Security Code verification. The majority of card-issuers are educating their cardholders about these measures and preparing their computer systems so that the information can be verified. In the short term the security code will not be used as a security measure which may reject payment.

Digital receipt

Dear Customer,

Your TEST payment for goods to the value of:

WorldPay Digital Guarantee for transaction ID:

Description:

Purchased from: WritersServices

Merchant's cart ID:

At:            GMT

has been processed.

This receipt is sent to you by WorldPay - your payment has been processed by our Payment Gateway.

In addition to this WorldPay receipt, you may also receive a purchase receipt from the merchant.

Should you wish to enquire about your purchase, contact should be made in the first instance with the supplier of the goods/services at writers@writersservices.com  If you didn't make this transaction or dispute the transaction, please email  immediately and return a copy of this digital receipt.

If you require further information about your payment or if you are unable to contact the supplier, please contact WorldPay Customer Services  by email at Shopper@WorldPay.com.  Please provide details of your payment and purchase including the value, date, time and the store from which you which you made it.

Thank you for shopping with WritersServices.

Repeat Transactions

The card security code cannot be stored. It is against 'the rules'. So it is not possible to operate 'repeat' transactions where your system magically remembers the information. 

We could install a 'cookie' and there are various utilities that do store this information and complete forms for you but we do not recommend this. Re-entering the information is a small price to pay for the extra security. Without it, another user of the computer could unintentionally use your card to pay or you might pay with the wrong card. 

Another reason that we do not store, or ask your system to store, your card details is that you might press a few keys and find yourself sending us money. Some payment systems may appear smarter but we do it this way by choice. We think you will prefer the increased security.

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