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](../../resources/images/en/WLSIPS.131-PM-Paytrail-integration/Bank-selection-page.png)
They are then redirected to the Finnish bank login page (differ from bank to bank):
![image of the Finnish bank login page](../../resources/images/en/WLSIPS.131-PM-Paytrail-integration/Bank-login.png)
An authentication page on the online bank (differ from bank to bank) is displayed:
![image of the authentication page on the online bank](../../resources/images/en/WLSIPS.131-PM-Paytrail-integration/Bank-authentication-page.png)
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](../../resources/images/en/WLSIPS.131-PM-Paytrail-integration/Bank-transaction-confirmation.png)
The payment ticket is displayed, then the customer returns to your website:
![image of the payment ticket](../../resources/images/en/WLSIPS.131-PM-Paytrail-integration/Bank-transaction-process.png)
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](../../resources/images/en/WLSIPS.131-PM-Paytrail-integration/ProcessPayment-PAYTRAIL-EN.png)
Making a Paytrail payment with Sips Paypage
The payment process for Sips Paypage is described below:
![image showing the kinematics of a payment via Paypage](../../resources/images/en/WLSIPS.131-PM-Paytrail-integration/ProcessPaypage-PAYTRAIL-Sips-EN.png)
After finalising the order on the merchant's website, the customer proceeds to the payment. To do so, they are redirected to the payment pages hosted by WL Sips. The customer selects the Paytrail payment method. He is redirected to the pages of his online bank to authenticate himself. Then he goes back to Sips pages. The ticket with the payment result is displayed. Two responses are sent; a manual response that redirects the customer to the merchant website and an automatic response sent to the merchant website by the Sips server.
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 =
PAYTRAILpaymentMeanType =
CREDIT_TRANSFERresponseCode =
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 |
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: