What is HSBC's Secure ePayments?
It's a series of products developed by HSBC that allow us to accept credit cards. This is a secure online service. What this means is your encrypted order information, is sent to HSBC merchant services for authorisation then returned to us, also via an encrypted process. Some online payment systems require you to leave the suppliers site and go to a third party to enter your details and obtain authorisation. The system we have with HSBC is a seamless fully integrated solution which in most cases does not require you to leave our website as all the processing is handled via a secure link from our own secure private server to the HSBC bank servers. For added security your encrypted card details are not retained on our server, Our site also incorporates the latest 3D Secure'Verified by Visa' and 'Mastercard Securecard' protocols for even greater security and confidence. If the bank that issued your card is a member of the 3D Secure scheme a pop-up window may appear either asking you to register your card or if you have already registered asking you for a password to enable them to identify you.
These are the steps that will you go through when you buy something from our website and pay using a credit card:
1. You access our website, place an order for goods by adding them into your shopping basket and proceed to the checkout.
2. You then provide your card details which are encrypted and sent to HSBC's Secure ePayments gateway for authorisation, they are then security checked and verified with your card issuer. If you have previously registered with your card issuer to participate in the 'Mastercard SecureCode' or 'Verified by Visa' system a secure 'PopUp' window will open asking you to enter your password. If you have not already registered your card, you may be requested to enrol. Either way you are then able to continue with your transaction.
3. You will be advised via our website if your card has been authorised or declined or if you need to contact us or your bank direct.
4. Once your payment is completed, your order will be authorised and despatched to you via your selected method.
How does this benefit you, the customer?
When you are on a website and it comes time to provide your details and credit card information, you know that we have employed the very best technology available from some of the most respected companies in the world, Equifax/GeoTrust/HSBC and MasterCard/Visa secure 3D, to ensure you are fully protected. This is the same technology used by some of the biggest names in on-line retailing such as Tesco, British Airways, John Lewis, Comet, Currys and PC World etc.
Since 2007 some banks have made it a condition of all online credit/debit card transactions that your card is processed through the 3D protocols, other banks and card issuers have yet to implement the scheme. Please be aware that using websites that have not implemented 3D Secure could make you more vunerable to credit card fraud. If a company thinks so little of their customers vunerability to fraud that they don't bother to implement 3D secure protocols, do they really deserve your business?
If you have any difficulty complying with this latest security protocol please do not hesitate to contact us to arrange another method of payment.
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