Paytrail

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 (via the Paytrail platform)the Finnish online bank payment integration into Worldline Sips.

Who does this document target?

This document is intended to help you implement (via the Paytrail platform)the Finnish online bank 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 Paytrail payments with Worldline Sips

General principles

Paytrail is a Finnish payment platform that offers online bank payments for 11 Finnish banks.

OP-Pohjola
Danske Bank
LähiTapiola
S-Pankki
Aktia
Ålandsbanken
Handelsbanken
Nordea
Säästöpankki
Nooa
POP

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 one of the Finnish banks:

image of the selection page of a Finnish bank

They are then redirected to the Finnish bank login page (differ from bank to bank):

An authentication page on the online bank (differ from bank to bank) is displayed:

image of the authentication page on the online bank

After providing the required information, the customer is redirected to the payment transaction confirmation page (differ from bank to bank):

image of the transaction confirmation page

The payment ticket is displayed, then the customer returns to your website:

Signing your Paytrail acceptance contract

Please contact your Account Support Manager.

Making a Paytrail payment

You can offer the Paytrail mean 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 Paytrail 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:

diagram showing the different statuses of a transaction

Making a Paytrail 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 IMMEDIATE.
`captureDay`	Tհe value sent in the request is ignored. The capture delay is forced to 0.
`customerLanguage`	Mandatory. Allows to choose the language used on Worldline Sips and Paytrail pages.
`paymentPattern`	Tհe value sent in the request is ignored. The payment type is forced to ONE_SHOT.
`amount`	Mandatory. 65<amount<20000000 cents
`billingAddress.addressAdditional1`	Mandatory. First billing adress line
`billingAddress.addressAdditional2`	Optionnal. Second billing adress line
`billingAddress.zipCode`	Mandatory. billing adress zipCode
`billingAddress.city`	Mandatory. billing adress city
`billingAddress.country`	Mandatory. billing adress country
`billingContact.email`	Mandatory. billing contact email

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). `paymentMeanBrand` = PAYTRAIL `paymentMeanType` = CREDIT_TRANSFER `responseCode` = 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 Paytrail payment with Sips Office

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

Managing your Paytrail transactions

Available cash operations

No transaction management operation is available with the Paytrail mean of payment.

Viewing your Paytrail 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 Paytrail 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 Paytrail transactions, the paymentMeanBrand field is populated with the value PAYTRAIL.

Sips Office Extranet

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

Here are the details of a Paytrail transaction:

WL SIPS DOCS