Payment

This diagram lays out the basics of how we securely process your payments through RBS WorldPay.

1. Collecting payment data

Your payment details are entered directly by you into our Shopping Basket payment internet page or entered by us from information received over the telephone, fax or post or read by a card-reader into the RBS WordlPay system. No information about your payment is stored by us.

2. Authentication

Details of your purchase, details from your card and PIN are sent electronically through to RBS WorldPay. They identify the relevant card scheme (Visa, MasterCard etc.) and send the details through them to the bank or other institution that issued the card.

If the details can't be verified, the payment is normally declined.

3. Authorisation

The issuing bank checks the cardholder's identity, that the account has sufficient funds and that the card hasn't been reported lost or stolen. If everything is OK, the issuing bank authorise the amount requested and reserve those funds. Once the payment transaction is complete, a follow-up instruction is sent to the bank to debit the funds.

4. Settlement of funds

Our RBS WorldPay merchant account is credited with the value of your card transaction.