Help Centre

Create Payments is a fully integrated and secure payment gateway ready to use with your ecommerce store - and it's free to join! Sign up through your Create account and begin processing payments right away.

Have complete management over your checkout by using Create Payments, including the ability to view transaction volume, sales and total revenue generated through our tailor-made reporting system – all through your Create account. All major debit and credit cards are accepted and processing payments and orders could not be easier with exclusive control over transaction information and refunding, all in real time. 

Receiving and reconciling payments is just as easy with net settlements and bi-weekly batches paid directly into the bank account of your choice. 

How to set up Create Payments in your Create account

Create Payments is automatically added to all Create accounts, ready for you to get signed up! To sign up to Create Payments please follow the steps below:

1. Log in to your Create account
2. Select "Shop" from the Top Menu
3. Select "Settings" from the left hand menu
4. Select "Payment Gateways" from this drop-down menu.

You will now see the following Create Payments information box on this page:

To get signed up simply select the "Sign up today" text or the step 2 "Get verified" button:

Once you have selected this, you will be taken to an application form to fill in.

We have noted some top tips below to consider when filling out your application in order to speed up the process as much as possible:

• The average monthly turnover and estimated peak turnover both refer to transactions through this payment gateway only and not overall business turnover (if you have other payment gateways, a different method of sales, etc)
• With bank account details, proof will be required in the form of a bank statement, in order to settle the funds to you. You can find out more about this below. 
• If you operate as a sole trader, your must provide individual bank details for an account registered in your name only - joint and other multi-person accounts cannot be accepted for sole trading businesses. 
• Please note: Before submitting your application you should ensure that your website complies with the Consumer Contracts Regulations in order to be accepted for Create Payments. If you're unsure about the regulations check out our guide  "Website Content - What Must I Include" for tips. 

Complete the form and select the "Submit" button in the bottom right hand corner to send your application to join Create Payments.

Once we receive your application, we will make the final checks before Worldpay take over the approval process and you will receive any updates via email.

Test Mode

You are able to place a test order through your Create Payments gateway while waiting for your application to be accepted. This will enable you to see what the gateway will look like on your website, before it is activated!

Test orders can be placed when looking at your website in "Preview". To access your website via "Preview" please follow the steps below:

1. Log in to your Create account
2. Select "Publish" from your Top Menu
3. Select "Preview Your Site" from this page 

You can then use the following card numbers to test transactions in the test environment only. When using test cards, you can specify an expiry date up to seven years in the future. The test cards do not have a card verification code and issue number.

For further information on placing a test order through your Create Payments gateway, please refer to the following help guide.

Charges of Use

• There is no monthly or annual account fee.
• Standard transactions are charged at a fixed 2.4% on individual payments.
• All corporate / business card transactions are charged at 2.9% + 20 pence per transaction. This applies to all Visa, Mastercard, and Mastercard Electron corporate card transactions. 

Accepted Card Payments

Create Payments accepts the following credit and debit cards:

• Visa
• Visa Debit
• Visa Electron
• Maestro
• Mastercard
• American Express

Submitting Proof of Bank Details  

When asked to send proof of your bank details after application (via email from Worldpay), please ensure your proof of bank details are submitted in the following format:

• Business/Personal name & address
• Bank name/address
• Sort code & Account Number
• IBAN number
• Swift code (also known as a Bank Identifier Code (BIC))

All other information may be blacked out, and the statement must have been issued within the last 3 months. Please send this through as an electronic copy in response to the relevant email. Please note that a failure to submit a valid statement will incur delays in remittance of funds. 

Please note: Create Payments is powered by Worldpay and is currently available to UK and Ireland based businesses only.