Introduction
Worldline Sips is a secure multi-channel e-commerce payment solution that complies with the PCI DSS standard. It allows you to accept and manage payment transactions by taking into account business rules related to your activity (payment upon shipping, deferred payment, recurring payment, payment in instalments, etc.).
The purpose of this document is to explain the Giropay means of payment integration into Worldline Sips.
Who does this document target?
This document is intended to help you implement the Giropay means of payment on your e-commerce site.
It includes:
- functional information for you
- implementation instructions for your technical team
To get an overview of the Worldline Sips solution, we advise you to consult the following documents:
- Functional presentation
- Functionality set-up guide
Understanding Giropay payments with Worldline Sips
General principles
Giropay is a popular mean of payment in Germany, based on real-time bank transfers.
Payments made by Giropay are 100% guaranteed.
When the customers choose to pay for their order using Giropay, they must first of all choose their bank by taping their bank code. Once redirected to the interface of their bank, all they have to do is to authenticate themselves and confirm the bank transfer.
To use Giropay, your customers don't need to create a specific account; all that is required is that their bank allows Giropay payments.
Acceptance rules
Available functionalities
| Payment channels | ||
|---|---|---|
| Internet | V | Default payment channel |
| MOTO | X | |
| Fax | X | |
| IVS | X | |
| Means of payment | ||
|---|---|---|
| Immediate payment | V | Default method |
| End-of-day payment | X | |
| Deferred payment | X | |
| Payment upon shipping | X | |
| Payment in instalments | X | |
| Subscription payment | X | |
| Batch payment | X | |
| OneClick payment | X | |
| Currency management | ||
|---|---|---|
| Multicurrency acceptance | X | EUR only |
| Currency settlement | X | EUR only |
Payment pages
The customer selects the Giropay means of payment.
They are then redirected to the required information entry page:
After providing the required information, the customer is redirected to the verification page for a Giropay payment:
The payment ticket is displayed, then the customer returns to your website.
Signing your Giropay acceptance contract
In order to offer the Giropay means of payment on your website, you have to sign an acceptance contract with Worldline Sweden. Thereafter, you transmit us the contract number for recording in our information system.
Making a Giropay payment
You can offer the Giropay means of payment through the Sips Paypage which directly acts as the payment interface with customers via their web browser.
The only remittance mode available for a Giropay transaction is the immediate mode (the transaction remittance is executed at the time of the online payment acceptance).
The diagram below explains the different transaction statuses according to the chosen capture mode:
Making a Giropay payment with Sips Paypage
The payment process for Sips Paypage is described below:
Setting the payment request
The following fields have a particular behaviour:
| Field name | Remarks/rules |
|---|---|
| captureMode | Tհe value sent in the request is ignored. The capture
mode is forced to AUTHOR_CAPTURE. |
| captureDay | Tհe value sent in the request is ignored. The capture
delay is forced to 0. |
| customerLanguage | Allows to choose the language used on Worldline Sips and Giropay pages. |
| paymentPattern | Tհe value sent in the request is ignored. The payment
type is forced to ONE_SHOT. |
| statementReference | The value sent will appear on your account statement. The allowed characters are [a-zA-Z0-9 /\+=.]. |
Analysing the response
The following table summarises the different response cases to be processed:
| Status | Response fields | Action to take |
|---|---|---|
| Payment accepted | acquirerResponseCode = 00
authorisationId = (cf. the
Data Dictionary).captureDay = forced to
0.captureMode = forced to
AUTHOR_CAPTURE.paymentMeanBrand =
GIROPAYpaymentMeanType =
CARDresponseCode =
00 |
You can deliver the order. |
| Acquirer refusal | acquirerResponseCode = (cf.
the Data Dictionary).responseCode =
05 |
The authorisation is refused for a reason unrelated to
fraud. If you have not opted for the "new payment attempt"
option (please read the Functionality
set-up Guide for more details), you can suggest that your
customer pay with another means of payment by generating a new
request. |
| Refusal due to the number of attempts reached | responseCode = 75 |
The customer has made several attempts that have all failed. |
| Refusal due to a technical issue | acquirerResponseCode = 90-98
responseCode = 90, 99
|
Temporary technical issue when processing the transaction. Suggest that your customer redo a payment later. |
For the complete response codes (responseCode) and acquirer response
codes (acquirerResponseCode), please refer
to the Data dictionary.
Making a Giropay payment with Sips Office
The Giropay means of payment acceptance is not available through the Sips Office solution.
Managing your Giropay transactions
Available cash operations
No transaction management operation is available with the Giropay mean of payment.
Viewing your Giropay transactions
Reports
The reports provided by Worldline Sips allow you to have a comprehensive and consolidated view of your transactions, cash operations, accounts and chargebacks. You can use this information to improve your information system.
The availability of Giropay transactions for each type of report is summarised in the table below:
| Reports availability | |
|---|---|
| Transactions report | V |
| Operations report | V |
| Reconciliations report | V |
| Chargebacks report | X |
Sips Office Extranet
You can view your Giropay transactions and perform various cash management operations with Sips Office Extranet.
Here are the details of a Giropay transaction:
