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Electronic commerce, commonly written as e-commerce, is the trading or facilitation of trading in products or services using computer networks, such as the Internet.
Electronic commerce draws on technologies such as mobile commerce, electronic funds transfer, supply chain management,
Internet marketing, online transaction processing, electronic data interchange (EDI), inventory management systems, and automated data collection systems.
Modern electronic commerce typically uses the World Wide Web for at least one part of the transaction's life cycle, although it may also use other technologies such as e-mail.
E-commerce businesses may employ some or all of the following:
Comparison of shopping cart software
The following is a comparison of the features of notable shopping cart software packages available.
Some such shopping cart software is extensible through third-party software components and applications.
As such, the features listed below may not encompass all possible features for a given software package.
The software listed here is but a fraction of all such packages on the market.
The following is a list of notable online payment service providers:
Online shopping (sometimes known as e-tail from "electronic retail" or e-shopping) is a form of electronic commerce which allows consumers to directly buy goods or services from a seller over the Internet using a web browser.
Alternative names are: e-web-store, e-shop, e-store, Internet shop, web-shop, web-store, online store, online storefront and virtual store.
Mobile commerce (or m-commerce) describes purchasing from an online retailer's mobile optimized online site or app.
An online shop evokes the physical analogy of buying products or services at a bricks-and-mortar retailer or shopping center; the process is called business-to-consumer (B2C) online shopping.
In the case where a business buys from another business, the process is called business-to-business (B2B) online shopping.
The largest of these online retailing corporations are Alibaba, Amazon.com, and eBay.
Shopping cart systems
Simple shopping cart systems allow the off-line administration of products and categories.
The shop is then generated as HTML files and graphics that can be uploaded to a webspace.
The systems do not use an online database.
A high-end solution can be bought or rented as a stand-alone program or as an addition to an enterprise resource planning program.
It is usually installed on the company's webserver and may integrate into the existing supply chain so that ordering, payment, delivery, accounting and warehousing can be automated to a large extent.
Other solutions allow the user to register and create an online shop on a portal that hosts multiple shops simultaneously from one back office.
Examples are Big Commerce, Shopify and FlickRocket.
Open source shopping cart packages include advanced platforms such as Interchange, and off-the-shelf solutions such as Magento, osCommerce, Shopgate, PrestaShop, and Zen Cart.
Commercial systems can also be tailored so the shop does not have to be created from scratch.
By using an existing framework, software modules for various functionalities required by a web shop can be adapted and combined.
A payment gateway is an e-commerce application service provider service that authorizes credit card payments for e-businesses, online retailers, bricks and clicks, or traditional brick and mortar.
A payment gateway facilitates the transfer of information between a payment portal (such as a website, mobile phone or interactive voice response service) and the Front End Processor or acquiring bank.
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In online marketing, a shopping cart is a piece of e-commerce software on a web server that allows visitors to an Internet site to select items for eventual purchase, analogous to the American English term "shopping cart."
In British English, it is generally known as a shopping basket, almost exclusively shortened on websites to "basket."
The software allows online shopping customers to accumulate a list of items for purchase, described metaphorically as “placing items in the shopping cart” or “add to cart.”
Upon checkout, the software typically calculates a total for the order, including shipping and handling (i.e., postage and packing) charges and the associated taxes, as applicable.
Worldpay (formerly RBS WorldPay)
is a payment processing company.
It is listed on the London Stock Exchange and is a constituent of the FTSE 100 Index.
Worldpay started as an electronic payment system called Streamline which was first released by CentreFile in 1989 in the UK but has extended into mail order/telephone order, "unattended" payments and handling secure payments over the Internet through merger and acquisition of several other companies.
Worldpay first provided international multi-currency processing in 1992 and Internet payment services in 1994, making it one of the first providers of such services in the world.
CentreFile was formed in 1965 but had become a wholly owned subsidiary of National Westminster Bank (NWB) before 1985.
In 1995 the Streamline system was reabsorbed into the bank when the rest of CentreFile was sold to Ceridian.
It was acquired in 2002 by The Royal Bank of Scotland Group (RBS) which renamed the business RBS WorldPay.
RBS expanded the business significantly by acquiring and merging a number of payment solutions companies from different countries.
Over the next five years it was combined with seven leading retail payment solutions brands: Streamline, Streamline International, PaymentTrust, Netherlands based Bibit, RiskGuardian and US based Lynk.
By 2007, Worldpay was the largest merchant acquirer in Europe and one of the largest globally, operating in more than forty countries, 120 transaction currencies and fourteen settlement currencies.
That year Worldpay processed 4.4 billion transactions worldwide.
As a condition in the European Commission's clearance in December 2009 of state aid to RBS, Worldpay was to be sold as part of a plan to divest selected businesses from the group.
On 6 August 2010, Advent International and Bain Capital agreed to acquire Worldpay for £2.025bn including a £200m contingent consideration.
The RBS Group retained a 20% stake in the newly independent business with Advent International and Bain Capital owning 40% each.
The sale completed on 1 December 2010.
RBS WorldPay was renamed Worldpay as part of the deal.
On 21 December 2010, almost immediately following on from the sale, Worldpay acquired Cardsave, one of the UK’s leading independent sales organisations distributing credit and debit card processing services to small retailers.
In May 2011 Worldpay acquired Envoy Services Limited, a leading provider of alternative payment solutions to eCommerce merchants worldwide, for an undisclosed amount.
In June 2013, Worldpay launched Worldpay Zinc, a mobile card processing terminal which connects to smart phones.
In September 2013 Worldpay revealed it had acquired US payment processing company Century Payments.
In November 2013, Royal Bank of Scotland said it had sold its remaining stake of about 20 percent in Worldpay to the payment processing firm’s majority shareholders, private equity firms Advent International and Bain Capital.
The company listed on the London Stock Exchange through an initial public offering (IPO) in October 2015.
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