Payments hosted by us ePDQ Cardholder Payment Interface (CPI)

ePDQ Cardholder Payment Interface

Online payments securely processed on your behalf

  • Secure payment pages co branded with Barclaycard
  • Protection against fraud with Internet Authentication and enhanced fraud control
  • Straightforward integration with 3rd party e-commerce solutions
  • Process telephone and mail order payments at no extra cost
  • Compliant with the Payment Card Industry Data Security Standard (PCI DSS)
  • Dedicated UK technical support team
Apply for ePDQ CPI

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Overview

How ePDQ CPI helps your business

If your business needs to accept online payments securely, our end-to-end solution is ideal, as it is easy to integrate with your website.

Once it's integrated, customers who make a purchase on your website are directed to our secure payment pages where they can pay by credit, debit or charge card. There, we capture their details, process the transaction with their bank and handle the settlement of the payment to your business.

Increase revenue with our secure payment pages

Customers who find it easy to make secure payments online are likely to spend more, increasing your turnover. By accepting a wide range of cards and international currencies, ePDQ CPI keeps your website open for business day and night, to customers around the world.

Customers appreciate:
  • Simple to use payment pages
  • Fast and secure transactions
  • Authorisation in seconds
  • Dealing with the recognised and trusted Barclaycard brand.
Your business benefits from:
  • Easy integration with shopping carts and other 3rd party ecommerce solutions
  • Increased cash flow as customer payments are processed quickly
  • Frequent payments with funds cleared seamlessly into your account.
  • Management reports that allow you to access account and transaction details online.

Top-level fraud and security protection, for your peace of mind

To ensure you're fully protected online, our end-to-end solution has several measures in place, such as:

  • Compliant with the Payment Card Industry Data Security Standard (PCI DSS) so sensitive customer data is protected. Click here to see the ePDQ PCI DSS Certificate of Compliance.
  • Card Security Code (CSV) verification
  • Customer address checks
  • Enhanced fraud control, with you choosing the level of security that best suits your business
  • Internet authentication with Verified by Visa and MasterCard SecureCode at no extra cost
  • The ability to control access to the ePDQ administration tool, by setting different access levels for staff.
  • You can also process telephone, fax and mail order payments at no extra cost
  • Since all orders are handled on the same system, it simplifies your administration and accounting processes.

Support you can rely on

To help you seamlessly integrate this online payment solution, we offer:

  • A dedicated technical support team based in the UK
  • Technical information so your web developer is aware of what's needed to integrate ePDQ CPI
  • Upgrades to keep our ePDQ technologically up-to-date and compliant with security regulations, at no extra cost
  • Integration and user guides

Ultimate control remains yours

You're in charge of when payments are taken and could, for instance, choose to wait until orders are ready for dispatch before debiting the customer's account. ePDQ CPI also allows you to set up recurring billing transactions , with your customers' consent, saving time and hassle.

Getting started

To start accepting payments online using our end-to-end solution, you need a website with a shopping cart or order management system. If you don't have HTML or web coding experience, then a qualified web developer or agency can implement the product on your behalf.

It's important that your website is set up in a way that allows it to transfer data to and from Barclaycard. For full details, please visit the ePDQ CPI Technical Overview page.

A step-by-step guide to applying for ePDQ CPI

  1. Apply using our standard application process to start accepting online payments.
  2. Once we've processed your application, you'll receive a welcome letter with your next steps and a URL where you can collect your documentation.
  3. We email you to confirm your login details.
  4. Then for security reasons, we ask you to call us for your password.
  5. You are then ready to start integrating ePDQ CPI into your system and to carry out testing before going live.
  6. When you're ready to go live, simply complete an account activation form and we will activate your account for you.
  7. Finally, we send you a confirmation email to let you know your store's ready to start accepting card payments.

How it works

Using ePDQ CPI

Once you've signed up to our secure end-to-end solution, we take care of your entire online payment process, on behalf of your business. The process from start to finish is as follows:


Diagram showing how ePDQ CPI works. How customer payments are processed through your website and our secure ePDQ payments pages

  1. A customer visits your website, makes a selection and wants to pay.
  2. The customer and transaction details are automatically re-directed to our secure payment pages.
  3. Once the customer's entered their card details, ePDQ checks if your business is configured for Internet Authentication and if the customer has registered for the service with their card issuer.
  4. If it is, the customer's card issuer authentication page is shown and they enter a secure password or PIN to verify their identity.
  5. Transaction details are passed onto the customer's card issuer to be verified and authorised.
  6. The transaction result is passed back to your website, letting you know if the payment's been accepted or declined.
  7. The cardholder is shown the result.
  8. With the transaction complete, the customer is returned to your website.

Transaction details can be viewed in real time before payment is credited to your bank account. Or once it has been credited to your account you can access the transaction details online using our Store Administration Tool.

Fees and charges

Fees and charges

Integrated payments, competitively priced

When it comes to pricing ePDQ CPI, we believe in offering competitive charges which are excellent value for money.

Our charging structure is split into three parts to allow us to effectively tailor a solution to meet your needs at competitive prices:

  • New customers pay a joining fee, to cover the cost of setting up their account.
  • There's an online solutions charge which is in two parts: a flat monthly fee and a percentage of your transaction values. (Usually credit cards are charged as a % of the transaction value, while a flat fee applies to debit cards)
  • A transaction processing charge that is payable in addition to the online solution charge. This covers the activity of processing the transaction with the card scheme and the customer's card issuer.

The amount you pay will be calculated on a number of factors including your turnover, average ticket price and ratio of credit card transactions to debit card transactions. We will provide you with a full quote when you contact us.

 
Apply for ePDQ CPI

Call Charges: Calls may be monitored or recorded for security and quality purposes. Calls made to 0800 numbers are free if made from a UK landline.
For BT business customers, calls to 0844 numbers will cost no more than 5p a minute, min call charge of 5.9p (current at April 2010). The price on non-BT phone lines may be different.

Lending Code: Barclaycard is a trading name of Barclays Bank PLC. Barclays Bank PLC subscribes to the Lending Code which is monitored and enforced by the Lending Standards Board.
You can find out more about the Lending Code by visiting the Lending Standards Board website.

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