Accepting credit / debit card payments online
To accept card payments online you will need to contact an acquiring bank to obtain an Internet merchant number.

When credit card details are captured from your shoppers, the information is forwarded to your bank for verification and authorisation, using your Internet Merchant Number as a unique identifier.

Without an Internet Merchant Number, it would not be possible to gain authorisation on card details and therefore all transactions would fail.

Setting-up your Sage Pay account
To apply for a Sage Pay account please click here.

If you are unsure on how to set-up your account please contact your account manager at iCommerce who will be happy to guide you through this process.

MOTO Merchant Numbers
MOTO stands for ‘Mail Order Telephone Orders’. This is specifically for card details that are given over the telephone by the shopper to you the Vendor.

MOTO transactions can be processed online using the terminal service included with your Sage Pay account.

To use the terminal page within your Sage Pay account you will need to obtain a MOTO Merchant Number from your acquiring bank.

Taking payments with PayPal
To accept card payments via PayPal you will need to first set-up a PayPal express checkout account. For more information please go to

Once you have set-up your express checkout account you will then be able to accept payments in to your PayPal account via Sage Pay. To activate this setting please log in to your Sage Pay account and go to:

Administration > Account Parameters

If you require assistance activating the PayPal settings in your account you can contact Sage Pay support

on 0845 111 4455. Sage Pay support services are available 24 hours a day.

Fraud prevention
Your Sage Pay account comes complete with a number of fraud prevention tools, including:
  • 3D Secure – also know as Verified by Visa and MasterCard SecureCode
  • AVS/CVV/CV2 card checks
  • Standard fraud screening tools in association with the 3rd Man

Acquiring banks
If you do not already have an Internet Merchant Number, please contact one of the following banks to apply for one.

Lloyds TSB Cardnet
0870 901 7915

Barclays Merchant Services
0800 616161

08457 585150

Natwest Streamline
0800 010166

Bank of Scotland
0800 6525808

  Integrating with Sage Pay
Once you have acquired your Internet Merchant Number you can then crate your account with Sage Pay.

Sage Pay provide the secure link between your iCommerce website and your bank of choice and pass information between the two, including results on authorisations and security checks performed by your bank.

It is important that you provide the correct Internet Merchant Number in your Sage Pay application or the process will be dramatically lengthened.

When Sage Pay receives your online application for an account there are several stages involved in the set up process. A ‘Test account’ will first be created and you will be receive notification and documentation which will allow you to start setting up your iCommerce website.

Sage Pay will contact your acquiring bank for confirmation of your merchant details and will allocate Terminal Id’s to your Internet Merchant Number.

Sage Pay will wait for confirmation from your Acquiring Bank. This can take between 3 to 5 working days.

This response will either:

Confirm the Internet Merchant details are correct and ready for use with Sage Pay


Decline the Merchant details as being incorrectly set up for use with Sage Pay and therefore decline the allocation of Terminal ID’s. This will mean your Sage Pay account cannot be processed any further until you and your bank have resolved the issue causing the decline.

Once your Internet Merchant Number has been confirmed you will receive details of your ‘Vendor name’ and ‘Encryption password’ that can then be added via your iCommerce admin panel.

Your Sage Pay account
Once you have set-up your Sage Pay account you will be able to:
  • Manage your transactions
  • Monitor fraud
  • Manage users and user profiles on your account
  • Reconcile your payments
  • Run comprehensive transaction reports
  • Perform refunds
  • Authorise payments
  • Void transactions
How do I integrate my Sage Pay account with iCommerce?
  • Go to 'Settings'.
  • Click the ‘Payment’ tab.
  • Enter your Sage Pay 'Vendor name', 'Encryption password' and the email address that you would like to receive payment notifications from Sage Pay.
  • Ensure that the 'Sage Pay account status' is set to 'TEST'. Once you have completed the initial integration stage with Sage Pay you will need to change this to 'LIVE' to process payments through your website.
  • Once you have completed all fields click on the ‘Save and close’ button.
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