Payment and Security
Worldpay provide us with online payment services. You can get general information about Worldpay and their security policies by clicking on Worldpay Shopper Help and Worldpay Security
All card details are held on an encrypted server to which Jonathan Cainer and Worldpay staff have no access. Never send your card details in an email, as this is not a secure method of communication.
How can I update my payment card details?
Sign in to the Worldpay Shopper Management System
(you can also do this from your 5 Star Account Homepage by clicking on My Account and then clicking on the link to change your Worldpay details)
Once logged in at Worldpay:
- Click on the Futurepay ID number in blue.
- Click on the 'change payment details' option near the top of the page.
- Enter/change the required details.
- Check the details carefully, then click the Submit button.
- If your subscription has already been suspended, please return to your 5 Star homepage and click on 'Subscribe to the 5 star audio forecasts'/Retry Payment to renew.
Please note that Worldpay recommends you to double-check your card number, and make sure you are not including any spaces. The number they require is the long number that spans the width of your card. The number will be 15 or more digits, depending on your card type. The security code is the three digits on the signature strip on the back of the card. Please make sure you enter the start and expiry date of your card correctly.
If your card is not authorised please look at the the Worldpay Help pages for suggestions: http://www.worldpay.com/shopper/index.php
If you do not have the original email from Worldpay with your user details, email us at email@example.com with your subscription details and we will arrange a Worldpay password reset.
Please note that if you wish to change your card type from American Express to another type, or vice versa, it will be necessary to cancel the Futurepay agreement and create a new one. You will find the option to do this on your 5 Star page or once logged in to Worldpay.
What are the terms of the free trial?
If you would like to take up the offer of a free trial of the 5 Star Service you will need to provide us with your name and address. We need your email address to send you important information about your subscription (we will never share or distribute your email address to a third party).
You will also need to have your payment card verified with our secure transaction partner Worldpay (there will be no charge) before you start listening to your forecasts. If you decide during the free trial that the service is not for you, simply cancel from your account homepage, or send your request to firstname.lastname@example.org and you will never be charged a penny.
If you wish to continue subscribing you need do nothing - we will automatically begin collecting monthly payments at the end of the free trial period. After that you may cancel at any time you wish.The minimum subscription period is one month, payable in advance.
I have tried several times to have my card authorised at Worldpay but the page will not accept my order. Can I call a telephone number or mail a cheque?
At present we can only process payments through our online payment partners Worldpay and Paypal. If you are sure your card is good and that your issuing bank allows internet transactions, please try again. Most transaction refusals are due to the details supplied being incorrect. Double-check your card number, start and/or expiry date, security code and cardholder name before clicking on ‘continue’. If the problem persists and you are sure the details you entered are correct, you will need to contact your card issuer.
Is it possible to change my payment currency?
To change the currency of your account, we must first cancel any existing agreements with Worldpay or Paypal. At the end of the paid month you will be asked to re-subscribe when you sign in. You can then set your new Futurepay agreement to your preferred currency.
Why does the Worldpay agreement want me to agree to ‘No Limit’ to the frequency or amount of payments they can collect from my card?
The Futurepay agreement is a variable direct debit arrangement which Worldpay administers on our behalf. The Futurepay agreement you create will only be used to collect money for Jonathan Cainer's services. Your monthly subscription charges will be collected automatically and if you choose to add readings for extra signs you will not have to create a new agreement – the adjusted amount will be collected. You will also be able to make occasional, one off purchases – such as Tarot, without having to re-enter your credit card details. The monthly subscription charge will be collected automatically, charges for any additional services you request you will need to authorise at the time of the request.
Can you send my Worldpay details, as I have lost them?
Of course. We will need the details of your subscription with us and will arrange to send a password reset email to the address you originally provided to Worldpay. Just send your request to email@example.com
I have received a transaction confirmation for a purchase from Reality Marketing but I have only ordered something from the 5 Star site. What has happened?
Reality Marketing Ltd is the trading name used for all the online purchases from cainer.com. If you have any further concerns please email us at firstname.lastname@example.org
I have been sent an email by Worldpay saying that I need to make some urgent account changes.
Worldpay will inform you when your card expires and tell you how to update those details. If you feel that there is a false sense of urgency in the email, it may be a scam known as a 'phishing' email. Phishing emails are sent out completely at random in the hope of reaching the email address of a customer with an account at the bank or company they are pretending to be from.
We strongly advise you not to reply to the email, nor to open any attachments or click on any links in it. It is sensible never to reply to unsolicited emails about your credit cards or banking transactions - Worldpay and all other legitimate banks will never contact you by email to ask you for your password or any other sensitive information.
Please read the information below to help you identify if the email you have received is genuine or not:
A fraudulent (spoof) email often pretends to be from a well-known company, in an attempt to get personal information from you. People who send spoof emails hope to use your information - such as credit and debit card numbers or account passwords - to commit identity theft. You can prevent spoof from affecting you.
Spoof, or "phishing," emails - and the spoof websites often associated with them - are deceptive in appearance. However, they contain content that reveals they're not genuine. The most important thing to do to protect yourself is be able to spot this misleading content.
If you are in any doubt about the authenticity of an email purporting to be from Worldpay, don't click on any links in it or open any attachments. You can sign in to Worldpay from your Jonathan Cainer account.
Know a spoof when you see it - ways to recognize fake (spoof/phishing) emails:
Generic greetings. Many spoof emails begin with a general greeting, such as: "Dear Worldpay customer." If you do not see your first and last name, be suspicious and do not click on any links or buttons in the email.
Fake sender's address. A spoof email may include a forged email address in the "From" field. This field is easily altered.
A false sense of urgency. Many spoof emails try to deceive you with the threat that your account is in jeopardy if you don't update it ASAP. They may also state that an unauthorized transaction has recently occurred on your account, or claim that the bank is updating its accounts and needs information fast.
Fake links. It is best never to click on links from within an unsolicited email. Always check where a link is going before you click. Move your mouse over it and look at the URL in your browser or email status bar. A fraudulent link is dangerous. If you click on one, it could direct you to a spoof website that tries to collect your personal data. It can also confirm that your email address is a valid one which a person actually opens and reads, opening the floodgates for masses of unwanted marketing (spam) email. A fake email can also install spyware on your system. Spyware is an application that can enable a hacker to monitor your actions and steal any passwords or credit card numbers you type online. A fake email can cause you to download a virus that could disable your computer. Do not open any attachments which arrive on unexpected emails. As an added pre-caution it’s a good idea to invest in Ad-aware, an effective anti-spyware program which complements Norton’s or any other anti-virus software
Emails that appear to be websites. Some emails will look like a website in order to get you to enter personal information. Genuine banking sites never ask for personal information in an email.
Deceptive URLs. Only enter your password on secure pages. These begin with https://www. - the s stands for secure
If you see an @ sign in the middle of a URL, there's a good chance this is a spoof. Legitimate companies use a domain name (e.g. https://www.company.com).
Even if a URL contains a company name it may not be a site. Examples of deceptive URLs include: www.secure.com, www.uk.worldpay.com, www.secure-.com, and www.net.com.
Always sign-in to Worldpay by opening a new web browser and typing in the following: https://www.rbsworldpay.com
Never sign in to Worldpay or any other banking site from an unsolicited email.
Misspellings and bad grammar. Spoof emails often contain misspellings, incorrect grammar, missing words, and gaps in logic. Mistakes also help fraudsters avoid spam filters.
Unsafe sites. The term "https" should always precede any website address where you enter personal information. The "s" stands for secure. If you don't see "https," you're not in a secure web session, and you should not enter data.
Pop-up boxes. Worldpay will never use a pop-up box in an email as pop-ups are not secure.
Attachments. Like fake links, attachments are frequently used in spoof emails and are dangerous. Never click on an attachment in an unsolicited email. It could cause you to download spyware or a virus. Worldpay will never email you an attachment or a software update to install on your computer.
Questions we will never ask you in an email:
To help you better identify fake emails, we follow strict rules. We will never ask for the following personal information in emails:
Credit and debit card numbers
Bank account numbers
Driver's License numbers
Your full name
Ways to fight spoof email:
Report it. Forward the entire email - including the header information - or the site's URL to us and/or to email@example.com