Using Worldpay (previously Payrix) in the SMS - Merchant FAQ

Using Worldpay (previously Payrix) in the SMS - Merchant FAQ

Idea
Overview
These are the Frequently Asked Questions (FAQs) in relation to processing payments in the SMS through Worldpay (previously Payrix).

Notes
FAQs
Who is Worldpay?
Worldpay is a payment partner that provides a secure payment gateway and payment processing integrated within the eSkilled SMS.
Is Worldpay secure and compliant with financial regulations?
Absolutely. Worldpay is known for its commitment to security and compliance. The integrated system adheres to PCI-DSS standards and uses state-of-the-art encryption and fraud detection technologies.
Does eSkilled SMS store my payment data?
All client payment-related data is stored with our partner processor and payment gateway, Worldpay. Any payment details in the SMS are being pulled from the saved information from Worldpay, who stores this information following the Government’s privacy and security laws and regulations.
Where does Worldpay store my data?
Worldpay keeps all client processing data onsite in Australia. With both data centres being in Sydney, your data is stored and handled as per Australian Government laws and guidelines.
What are the fees?
The table below shows the Standard fee rates for Monthly transaction values of $ 1.00 - $75,000.00

Fee Type 
Per Transaction inc GST 
VISA/Mastercard MSF 
1.70% 
AMEX MSF 
1.95% 
Card Transaction 
$0.25 

Other fees and charges:

Fee Type 
Amount 
Settlement Fees 
$0.99 
Data Storage Fees 
$2.20 
Minimum Monthly Fee 
$24.95 

InfoNOTE: Special tiered rates are available for transactions above $75,000.00 
What is the Minimum Monthly Fee?
The Monthly Minimum Fee is the fee charged to any active Merchant account whose Monthly Transaction Value in is less than the Minimum monthly fee amount.
What are the accepted payment options with Worldpay?
The following are the accepted payment options with Worldpay:
  1. BPAY
  2. PayTo
  3. Apple Pay / Google Pay and Store Cards
  4. Credit and Debit Cards
  5. Bank Account
How do I sign up as a Merchant?
There are two ways to sign up as a Worldpay Merchant.  
  1. If you are already subscribed and have access to the SMS, a Worldpay Merchant Application button can be found in Administration > Settings > Details > Payments and Declarations. Use this button to be redirected to the Worldpay Application Form.
  2. If you do not have access to the SMS yet and would want to start your application for the merchant account early, you may contact your Account manager and provide them with the following details so we can start off your application process. You will receive an email with the link to continue the application on your end.  
InfoNOTE: For clients who are processing more than $75,000 in monthly transaction values, you may also contact your Account manager or the Support team so you can access better tier rates. Provide us with the same details as noted above and we will start off your application from our end.
What are the steps to sign up as a Merchant?
  1. Complete Application Form – cComplete all the fields and document requirements in your application.  
  2. Acceptance of the Terms and Conditions - Ensure that your authorised signatories accept the Terms and Conditions (sent via email) to complete your application.  
  3. Assessment Stage – Once your application is complete, Worldpay team will start the assessment of the application. In case there are any additional requirements needed, Worldpay support team will get in touch with you to request.  
  4. Account Creation - Once assessment is complete and your account is approved; your account will be created. Your Worldpay details will be sent to you via email so you can set up integration with the SMS. You will also receive your Merchant account credentials and information on how to book training to use your Merchant portal with Worldpay support.
What documents or information do I need to provide for my Merchant application?
To facilitate your application for payments, you will need the following:  
  1. Australia Business Number (ABN) - Used for the ABN verification process to match your company with its relevant ASIC record for the purpose of validating the application.  
  2. Company Banking Details - Needed to verify company bank account and confirm which accounts will be used for billing and settlement.  
    1. BSB, Account Name and Account Number for the billing and settlement, AND 
    2. Front page of recent bank statements (dated within 3 months of application) or stamped letter from your bank with your account details visible on the document provided.  
  3. Description of the goods you provide, average value of transactions and highest single transaction amount expected to be processed through Worldpay/SMS.  
  4. Confirmed details and form of identification of a Director or Authorised Representative, a beneficial owner with 25% or greater ownership in the company (can be sent as a request link so Owner/Director can complete this to protect their personal information) 
    1. Full Name, DOB, Residential Address, Ownership % and Role in business 
    2. Clear copy of current Driver’s license, Passport  
You may also refer to this link for documents required during the Merchant application process: Worldpay (previously Payrix) Application Requirements and Process.
Who should I list as Directors or Owners?
Applicable owners (those with 25% or more share in your company), Directors and/or Authorised Representatives such as President, Chairperson, board Member, CEO, CFO.

The owners/directors or authorised representatives that are listed in the application form will receive an email link for them to verify their information and upload any personal identification information required.
How many Directors/Owners need to accept the Terms and Conditions before it can progress to the next step?
Once all your Owners, Representatives and/or Directors have completed their details, you will need to elect 1 or more signatories to verify your application and authorise your company to receive financial services from eSkilled and Worldpay. If you only have one (1) Owner or Director, you will need only one (1) signatory. If you have 2 (two) or more Owner or Director, you will need signatures from at least two (2) of your Owners, Directors and/or Authorised Representatives.
Can a Company be listed as an owner/director in the application form?
Unfortunately, no, the application needs to have the names of the individual/s that have ownership of the company for Know-Your-Customer/Client (KYC) and Anti-Money Laundering (AML) purposes.
I am a NEW RTO and still in the registration process, can I apply for a Worldpay Merchant account?
Yes! You may apply for a Worldpay Merchant account while waiting for your RTO Registration. Once your application is approved by Worldpay, your account will be created but will be inactive until you are ready to start processing payment. During this period, the minimum monthly fee (MMF) is waived for your account. When your registration is approved and you are ready to start accepting enrolments, send us a copy of your registration information and we will submit this to Worldpay for reassessment. Once your reassessment is approved, your site will be activated, and you can start accepting payments.

InfoNOTE: Registering RTOs will have their approved Worldpay Merchant account inactive for a duration of 12 months from the date of application. Once the 12 months have passed you will need to start a new application process as part of the Risk Assessment policy of Worldpay.
I have completed all the details of the form and all signatories have signed; how do I know my application is now being processed?
Once your signatories have accepted the Terms and Conditions of the Application, they will see a message in the application confirmation that the application has moved to the next stage.
How long does Worldpay process my Merchant application?
Once your Merchant application has been received and moved to the assessing stage, approval and access follows the typical timeline below:
  1. 2 – 3 days Risk Assessment
  2. 2 – 3 days Account set up and creation
Timeframes can change in cases when during Risk Assessment, Worldpay team has additional documentation or information required. Timeframe may also adjust depending on the number of applications in the queue.
I have a concern about the transactions in my Merchant account. Who do I reach out to?
You may reach out to Worldpay’s Client Success team for all things related to the Worldpay Merchant Portal. They can be contacted on 1-866-622-2390 or via customerservices@worldpay.com
I have questions regarding the SMS and Worldpay integration. Who do I reach out to?
For all concerns related to the SMS, you may reach out to our Customer Success Team at 1800 884 811 or via support@eskilled.com.au
Where can I find more information and documentation on Worldpay?
Worldpay has extensive information available on their website covering their Terms and Conditions, Privacy Policy, PCI DSS documentation and other relevant information on Worldpay. Visit this link for more details: Worldpay Resource

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