This section of the website contains links to all the technical documentation and guides you need to set up your website to accept online payments, as well as answers to the most frequently asked support questions.

Information here is divided according to the platform you are using – payment pages, Secure Trading API (STAPI), or web services. The most popular documentation and FAQs are listed below.

If you need to speak to a member of the team directly, please call 01248 672050 or email [email protected].

Top FAQs

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Q1. What is IC++?

A1. IC++ is a standard industry pricing framework that acquirers use to charge for payment processing services to merchants. It consists of the following fees:

IC stands for Interchange: This is a fee the acquirer (Secure Trading Financial Services (‘STFS’)) pays to the cardholder’s issuing bank (i.e. the bank that issued the card used to make the payment). The interchange rates are set by the Visa and MasterCard Schemes. STFS does not retain any part of the interchange fees as the full amount is passed through to the cardholder’s issuing bank.

First “+” stands for Card Scheme Fees: These are the fees STFS pay to the Visa and MasterCard Schemes. Visa and MasterCard set these fees at an industry wide level. As with Interchange STFS does not retain any part of scheme fees as the full amount is passed through to Visa and MasterCard. This Card Scheme Fee is the element which is changing and being highlighted in the letter sent to STFS merchants.

Second “+” stands for the acquirer fee: This is the fee STFS charges to cover its costs and margin for providing the merchant acquiring services.  This fee is agreed between STFS and merchants and is detailed in the Pricing Schedule STFS entered with the merchant.

What version of Java will I need for STAPI?

You will need either Java 1.7 or 1.8, and use the relevant Java client in STPP.

I use Xpay on ST2K. What do I use on STPP?

You have two options in STPP: Webservices and STAPI.

  • Webservices: you no longer need to install and support a Java client. You can build your own requests/responses and submit them to a URL which is available to handle them.
  • STAPI: if you still prefer to install and support a Java client that will take care of the request/responses, you still have that option through our STAPI client.