UK & Ireland Merchant Activation Guide

Bank Requirements

Windcave customers need to arrange a "merchant facility" with one of the acquiring banks that Windcave has connectivity to. For more information on the banks that are presently supported, please visit the Processing Partners page.

Supported card types are Visa Credit, Visa Debit, MasterCard, MasterCard Debit, American Express, Diners.

Ensure you mention to the respective acquirer your chosen Payment Service Provider is to be Windcave. This will ensure a smooth activation between us and the acquirer resulting in customer being operational quicker.

Barclaycard 0800 61 61 61 Option 2
Elavon UK 0800 028 1662
First Data Merchant Solutions 0800 652 5808 Option 1
Global Payments 0800 731 8921 Option 1
Lloyds Cardnet 0345 60 44 635
WorldPay (Streamline) 0808 253 0635 Option 2
American Express 0800 339 911
Diners Club International 0845 862 2935
Allied Irish Bank (AIB) +353 1 218 2100

Requirements for Payment Gateway activation

Upon a successful Merchant account activation with your chosen acquirer, Windcave will need to be supplied with the merchant number you received from your chosen Acquirer.

Windcave complete activations with 2-3 business days.

If American Express and or Diners has been submitted at the time of application this also will be activated within the 2-3 business day period.

Each acquirer has a different length of digits for their respective Merchant numbers:


Merchant number is 7 digits

Elavon UK

Merchant number is 10 digits

First Data Merchant Solutions (FDMS)

Merchant number is 15 digits

Global Payments (Formerly HSBC Merchant Services)

Merchant number is 8 digits

Lloyds Cardnet

Merchant number is 15 digits

Worldpay (Formerly Streamline)

Merchant number is 8 digits

Requirements for Accepting American Express

For processing of American Express, Windcave customers are required to obtain an American Express "Merchant Number" exclusively for Windcave use

If you are an existing American Express merchant call American Express directly on 0800 339 911 and ensure your current merchant number is exclusively in use with Windcave. If not, you would need to request either an additional merchant number for exclusive use by Windcave, or you can request the Payment Service Provider is changed to Windcave.

The American Express Merchant number then needs to be submitted to Windcave for us to load onto your system service.

If you are not currently an American Express merchant call American Express directly on 0800 339 911 and discuss becoming an American Express merchant, requesting a "Merchant number" with Windcave as the Payment Service Provider.

Windcave advice 1-2 business days upon receiving your American Express Merchant number to activate this.

Requirements for Accepting Diners Club

To be able to process Diners, please contact Diners directly on 0845 862 2935


There will be a time you will hear some payment Jargon going around. We've listed the most common terms you are most likely to hear and what they mean.

Merchant ID (MID) This is an electronic merchant number generated by the bank specifically for your business to be able to transact online. Commonly referred to as a MID
Terminal ID This is a number associated with the 'Merchant ID' A merchant can have one or many Terminal ID's. Commonly referred to as a TID.
Card Acceptor Name This is the name that appears on the card holders' statement.
Card Acceptor Location This is the physical location of business operation. This is usually the town or city of your business.
Merchant Category Code Your bank will assign you with a merchant category code based on your business type
CNP Card not present transactions
EFT EFTPOS transactions
Ecommerce Website based online transactions
MOTO Mail Order and Telephone Order. Transactions taken without the card holder being present.
AVS Address Verification Service. This verifies the address a customer's card is registered to for additional security.
CVC Card Verification code. Last 3 digits on the back of a customer's card. Most acquirers would want this information supplied compulsorily.

Preauthorisation / Completion

Preauthorisation / completion is a two stage transactional process which involves validating a credit card in its first phase before completing the transaction. To facilitate this type of transaction, preauthorisation / completion must be enabled at your bank.


Multi-currency processing will enable you to accept currencies other than British Pounds (GBP). We are able to accept multi-currency through the following banking partners:

  • Barclaycard
  • Elavon UK
  • Global Payments
  • AIB
  • FDMS via Omnipay
  • Worldpay
  • AMEX
  • For more information please click here

3D Secure Authentication

Currently, 3D secure is available only on our Hosted solution (PxPay / PxPay 2.0). To enable this functionality, you will need to enrol with this with your bank.

At present, Elavon UK is our only banking acquirer that has made this compulsory with new and existing customers.

Upon successfully enrolling with 3D secure with your acquirer, you will be provided with 3D secure details for MasterCard and for Visa. This in turn needs to be provided to Windcave via email. We can usually activate this on our system the same working day.