RBS WorldPay XML Direct

What is XML Direct?

Merchants who collect and store their shoppers' payment details on their own platform can use the XML Direct model as an effective payment-processing gateway. With this model, the merchant collects both order and payment details and then communicates the relevant payment details on a per order basis with RBS WorldPay, for processing. The XML Direct model only allows for using a select number of on-line payment methods, where no consumer interaction is involved. In view of the cost involved in establishing appropriate security measures this model only applies for merchants with established high transaction volumes.

Security
A core issue associated with using the XML Direct model is security. The collection and storage of payment information, such as, card numbers and cardholder names must take place in a secure environment.

Payment Card Industry Data Security Standard (PCI DSS)
PCI DSS is a global Card Scheme initiative that aims to ensure that every entity that handles, stores or processes cardholder data does so in a secure manner. MasterCard and Visa have combined their own security standards for cardholder data creating an aligned program, which is now endorsed by American Express, JCB and Diners. Much of PCI DSS relates to the technology involved in capturing and processing card data and this is particularly relevant to those merchants who process and capture cardholder data on their own systems rather than those who use the secure RBS WorldPay payment pages.

Souce Taken : http://www.rbsworldpay.com/support/kb/gg/3dsecure/dxml1000.html

For integration, you guys can refer to this URL :
http://rbsworldpay.com/support/kb/gg/submittingtransactionsdirect/dxml.html#dxml0001.html

p/s: Use this payment gateway with instantestore.com.