FREQUENTLY ASKED QUESTIONS

1. How do I know my customer's data is secure?
Ensuring your customer's payment data is secure is very important. Not only to help build your customers trust and confidence in your site but also to reduce the risks to yourselves associated with data loss and fraud. A good online payment solutions provider should be able to prove they are PCI DSS compliant and provide evidence of the security of their systems.

WPM Software is classed as a Level 1 service provider under the standard and, as such, has an annual independent audit carried out to certify this compliance. Clients using WPM services that do not handle the card details themselves are covered by WPM Software's compliance.

2. Do you have a service guarantee?
You need to make sure that if you are providing your customers with the flexibility to pay at any time then you should be able to have a guarantee from your provider that your payment gateway will be available to process your payments.

WPM Software industry leading service level agreement guarantees 99.5% availability of the service. Typical availability for the 12 months ending 12/2008 was in excess of 99.98%.

3. Are there any hidden costs?
Every provider will have their own pricing model based on their product mix, offering and level of support and maintenance. Make sure you are aware of all the costs involved in order to make an informed decision on what is the best package for your business.

WPM Software solutions are provided under an annual licence, which also covers the hosting and maintenance of the system. There are no limitations, or additional costs, based on the amount of users, products, orders or customers processed using the solutions, and there is no additional hardware or software needed to implement the system.

4. Is your solution scalable, can it expand and change with my business?
Selling your products online can dramatically change your business model. You could find you have tapped into a previously unexplored market, be able to sell a wider range of products and greatly increase your sales. Therefore your online payment solutions provider must have the flexibility to expand and evolve with your business.

WPM Software solution architecture is completely modular. Therefore the solutions can fit together to provide a completely integrated online payment system or each solution can be run in its own right and work in conjunction with existing systems to allow for flexibility and the ability to add additional solutions and evolve functionality over time.

5. How do I keep my solution up-to-date with industry regulations?
The online payment industry is continually evolving, releasing new rules and regulations and amending card processing requirements. These need to be monitored to ensure you are not providing insecure or incompliant payment processes.

WPM Software believes you should be able to rely on your online payment solutions provider to keep you informed of the changes and adapt your solution in line with industry requirements. Therefore any changes made due to amendments to the card processing requirements are included under the maintenance fee.

6. What systems can you integrate with?
Always ensure that your online payment solution is compatible with your finance and operational systems in order for you to be able to control and monitor your online payment processes.

WPM Software has integrated with a wide range of systems used in a wide range on industries. If WPM has not previously integrated with your system they will develop a solution that will.

7. Are you fully Payment Service Provider (PSP) independent?
Any business wishing to accept online card payments must use a PSP in order to transfer payment instructions and card details to the bank. We recommend you use an online payment solutions provider that allows you to research the best choice of PSP for your business, allowing you to benefit from competitive rates and the latest fraud protection.

WPM Software is fully PSP independent, allowing you to use whichever PSP best suits your business and finance model.

8. Can I easily change my PSP to get a better rate?
In order for you to benefit from competitive PSP rates we recommend you choose a supplier that allows easy flexibility to switch between PSP's and use multiple PSP's.

It is very simple and quick to change your PSP using WPM Software's solutions. This will allow you to reduce costs and have control of your online payment processes.

WPM Software's online card payment solutions support any Payment Service Provider (PSP) and all major card brands including Visa, MasterCard and American Express. WPM Software's solutions also support Dynamic Currency Conversion which allow you to provide overseas payers with the flexibility to pay in their local currency*.

*Depending on currencies support by your acquirer.

9. How much experience have you got processing online payments?
To reduce the risk to your business we recommend you source evidence of your online payment solutions provider's ability to provide the service. Make sure your provider has firm financial foundations, a good track record and is professionally run.

WPM has been providing e-payment solutions for over 14 years. The WPM framework has proved to be continually dependent and resilient, and has processed over £1billion in payments, and hundreds of thousands of transactions.

10. What level of support can you provide?
Keeping on top of all your online transactions and disparate systems can be a complex task. Ensure you have the right level of technical expertise within your business in order to effectively manage your solutions and pick a provider that can help provide the level of functionality and support you require.

All WPM solutions are fully hosted and managed by WPM, minimising the downtime and maintenance costs of implementing an In-house online payment solution. WPM provides a dedicated Help Desk and an extensive training programme to help you get the most out of your solutions and the system can be implemented with minimal impact on IT staff resources.