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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 CACF means of payment integration into Worldline Sips.

This document is intended to help you implement the CACF 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

The CACF is a private mean of payment offered by major retailers, with the exclusive acquirer Crédit Agricole.

The CACF card, offered by the Crédit Agricole Consumer Finance Group, is a "co-branded" card that can be used:

  • Like an ordinary bank card under the Visa means of payment.
  • Like a CACF private credit card allowing to make a payment on credit.

By these means of payment, the customer can choose the suitable credit terms from the means of payment list of choice. This mean of payment specifies the desired credit conditions; in particular: the credit rate, the number of payment due dates, the amount of each maturity, the additional costs related to the payment.

Payment channels
Internet V Default payment channel
Fax X
Means of payment
Immediate payment X
End-of-day payment V Default method
Deferred payment V
Payment upon shipping V
Payment in instalments X
Subscription payments X
Batch payment X
OneClick payment X
Currency management
Multicurrency acceptance X EUR only
Currency settlement X EUR only

All pages developed respect the principles of responsive design and can be used on all terminals, smartphones/tablets and others.

The payment customisation rules in effect on Worldline Sips are applied on the pages of this payment process.

The customer who clicks on the "VISA CACF" card logo is redirected from Worldline Sips to the Crédit Agricole Consumer Finance payment options page of choice.

This page allows, among other things, the choice of a dual offer type option, with the number of monthly payments or the amount of the monthly payments entry by the customer. The cardholder can view the credit conditions on this page displayed by CACF.

The customer is then redirected by Crédit Agricole Consumer Finance to Worldline Sips. Crédit Agricole Consumer Finance sends Worldline Sips the payment option applicable to the purchase during this redirection.

The wording of the payment option sent to Worldline Sips will be displayed on the Worldline Sips pages following the payment process.

 the Crédit Agricole Consumer Finance payment options page of choice

The customer is then redirected to the required information entry page.

They enter the following information on this page:

  • card number
  • card expiry date
  • card security code

If any of these data are missing or invalid, or if the card number entered is not in range, an error message is displayed and a new entry is requested.

The standard operation of Worldline Sips applies: the number of input attempts is capped, the code 75 is returned if the number of attempts is exceeded.

the card information entry page

Note: in case of the payment process breaking, the manual and automatic responses are not sent directly. Every hour, Worldline Sips collects the transactions in this case and sends an automatic response with all the data of the transaction.

In order to offer the CACF means of payment on your website, you have to sign an acceptance contract with Crédit Agricole Consumer Finance and hold a CB distance selling contract supporting the 3-D Secure. Thereafter, you transmit us the contract number for recording in our information system.

You can offer the CACF mean of payment through the Sips Paypage which directly acts as the payment interface with customers via their web browser.

The remittance modes available for a CACF transaction are:

  • Cancellation mode: default mode allowing transaction remittance on a predefined date, called capture delay. When this capture delay is reached, the remittance is sent automatically. This delay is set via the captureDay field with its 0 default value (end-of-day payment).
  • Validation mode: you must validate the transaction to trigger the remittance. A capture delay must also be defined. When this capture delay is reached or exceeded, you will not be able to validate the transaction, which will therefore expire automatically.

The diagram below explains the different transaction statuses according to the chosen capture mode:

diagram showing the different statuses of a transaction

If the merchant chooses validation mode, the transaction will either go to the To validate status if it has been accepted (response code 00) or to the refused status if it has been refused (response code different of 00). If the merchant chooses the cancellation mode, the transaction will either go to the To capture status if it was accepted (response code 00) or to the refused status if it was refused (response code different of 00).

The payment process for Sips Paypage is described below:

image showing the kinematics of a payment via Paypage

1) After finalizing the order on the merchant website, the customer proceeds to the payment. 2) The customer is redirected to the payment pages hosted on the <keyword keyref="Sips"/> side and selects CACF. 3) The customer is redirected to the ACS of his bank to do a strong authentication. 4) When the customer returns to <keyword keyref="Sips"/> the ticket with the result is displayed. 5) If the customer clicks on the return to shop button, his redirected to the merchant's website which unlocks the manual response. 6) The <keyword keyref="Sips"/> engine also sends an automatic response to the merchant website.

The following fields have a particular behaviour:

Field name Remarks/rules
paymentPattern Tհe value sent in the request is ignored.
The payment type is forced to ONE_SHOT.
captureDay The value sent in the request must be 21 at a maximum.
A larger value will be forced to 21.
customerLanguage Allows to choose the language used on Worldline Sips and CACF pages.

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).
maskedPan = (cf. the Data Dictionary).
panExpiryDate = (cf. the Data Dictionary).
paymentMeanBrand = CACF
paymentMeanType = CARD
paymentMeanTradingName = card name with reference to the trading name.
responseCode = 00
settlementMode = code of the means of payment chosen by the customer. Please contact Crédit Agricole Consumer Finance for a list of the means of payment.
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.

The CACF means of payment acceptance is not available through the Sips Office solution. 

The following operations are available on CACF transactions:

Cash management
Cancellation V Cancellation available on a total amount only. The cancellations will be prohibited in a time slot 19h/20h to avoid errors in processing the discount. The cancellation is available on a transaction created in validation mode.
Validation V Validation available only on a total amount of the transaction.
Refund X
Duplication V The payment terms of the original transaction are repeated for the duplicated transaction.
Credit X

The diagram below explains which cash management operation is available when a transaction is in a given state:

image too complex to be described, please contact the  support

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 CACF transactions for each type of report is summarised in the table below:

Reports availability
Transactions report V
Operations report V
Reconciliations report X
Chargebacks report X
Note: for CACF transactions, the paymentMeanBrand field is populated with the value CACF.

You can view your CACF transactions details and perform various cash management operations with Sips Office Extranet

Here are the details of a CACF transaction:

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