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Welcome to Secpay


Our Services FAQs User Manual
Integration Guide 
Integration Guide 
3-D Secure Integration Guide
(including Verified by Visa and Master Card SecureCode)


SECCard is a secure, real time, online credit and debit card transaction *authorisation and clearance service developed for use on the World Wide Web by SECPay. It provides an easy to use payment mechanism for merchants wishing to sell goods or services.

*Authorisation and processing is performed by the acquiring bank and is not a guarantee of payment.

Why use SECCard?

SECCard provides a cost-effective gateway which allows your customers to securely pay for goods and services or complete subscriptions ordered from your web site. The security and privacy of all card details are maintained by our high levels of encryption, and the transaction is authorised within seconds. All transactions are cleared through to your acquiring bank at the end of each day.

Which cards are accepted?

SECPay will deal with all Visa and Mastercard credit cards and their derivatives, Switch, Delta, Solo and JCB through the acquiring bank. We also support American Express and Diners Club, though you will require a separate merchant facility with American Express and Diners Club.

What does it cost?

Set-up and Connection £50.00
Monthly Standing Charge £10.00
Transaction Fees of either 1.9% of transaction value or a fixed rate of £0.39p per transaction.

We also offer a higher volume tariff

Set-up and Connection £50.00
Monthly Standing Charge £20.00
Transaction Fees of either 1% of transaction value or a fixed rate of £0.20p per transaction.

These are exclusive of the Acquiring Bank charges.

Should you be looking at very high transaction volumes, we are happy to negotiate a different tariff structure for you, we are also able to offer software

* Charity rates available on request

Please note SECPay operates a "no hidden charges" policy

How does it work?

SECPay simply provides a pre-defined API for you to provide a link on your web site to our secure payment server. When activated, a few basic details will need to be completed, such as the transaction amount, and your SECPay account number. SECPay first checks card number format, expiry date and the issue date/start date, then securely carries-out authorisation through a connection with the acquiring banks.

Authorised transactions are cleared overnight to your acquiring bank, normally reaching you bank account within 48-72 hours.

You may wish to supply a payment detail form of your own, however, this must be held on our secure server unless your site is hosted on your own secure server. We will still authorise the card details and supply confirmation. When a payment is authorised, we then present a confirmation callback to your customer, and E-Mail order confirmation to both you and your customer with the details of the order (which you have passed across on the link).

For detailed instructions on linking to our system, please read the API-Howto (or get your web-designer to do this for you).

Viewing, Reporting and Refunding your Transactions

Apart from the E-mail confirmations, SECPay provide you with your own login to our Extranet where you can easily view your transactions, produce output files, search for specific transactions, and carry out refunds/release/repeat payments where necessary.

Signing Up

To sign up for this service complete the registration form and submit this to us. Payment can be made on our site's registration form. Simply enter information and your card details for the sum of £50 + VAT, this is non-refundable. When this has been submitted, SECPay will start processing your set up. During this time a merchant facility must be obtained from one of the acquiring banks with which we have arrangements to enable your company to trade on-line. You will need to inform them that you wish to take credit and debit cards over the Internet and that you will be using SECPay as your Payment Service Provider.

What support do you provide?

Telephone support is available during standard office hours Monday to Friday or Out Of Hours in the case of an emergency only.
Email support is available 24/7 and will be responded to as soon as possible.
General enquiries to
Technical enquiries to


SECPay can be contacted at:

51 St Marys Road

Tel: 01732 300200
Fax: 01732 300219