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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 Presto means of payment integration integration into Worldline Sips.

This document is intended to help you implement the Presto means of payment integration 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

Cetelem, a brand of BNP Paribas Personal Finance, is a French financial institution specialising in financing individuals consumer credit activities.

The Presto means of payment, offered by BNP Paribas Personal Finance (BNPP PF), allows to make online purchases on credit.

During a Presto payment, the customer is redirected to the BNPP PF credit file opening application. Having completed the entry, they are informed online of the credit request application result.

Payment channels
Internet V Default payment channel
Fax 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

The customer selects the Presto means of payment.

Once the means of payment has been selected, the payment option selection page is displayed as well as the refund simulation:

The customer must then enter the required information:

After providing the required information, the order confirmation page is displayed:

The customer must then sign electronically their contract:

The customer must then upload the necessary documents:

In the case of a Presto transaction, the credit can be automatically funded at the end of the payment, which is associated with the following final transaction status:


The customer credit request might also require a study before being approved. If a credit request is under validation by PBNPPF, the associated transaction status is:


A daily request from Worldline Sips to Celetem is performed to update these transactions to a final status:

  • CAPTURED if the credit request is approved by BNPPF.
  • CAPTURE_REFUSED if the credit request is refused by BNPPF, or if no update have been noted for 90 days.

In order to offer the Presto means of payment on your website, you have to sign an acceptance contract with BNP Paribas Personal Finance. Thereafter, you send us the contract number for us to store this number in our information system.

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

For Presto payments, it is not allowed to defer the remittance, you cannot adjust the date of funds transfers.

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

Description of the possible statuses for a Presto transaction

In immediate mode (captureMode = IMMEDIATE), if the transaction is waiting for confirmation of authorisation (responseCode equal to 00 or 02), it is set to status TO_CONFIRM_CAPTURE. If the transaction is accepted (responseCode equal to 00 or 08), it is set to status CAPTURED. If the transaction is refused (responseCode not equal to 00), it is set to status REFUSED. And if the transaction is aborted (responseCode equal to 17), it is set to status ABORTED.

The diagram below describes the different statuses of a transaction, depending on the progress on Cetelem side.

Following a first processing on Cetelem side, a transaction can have 3 different statuses according to 3 reasons:

  • Transaction refused by Cetelem (Final status REFUSED)
  • Transaction under study at Cetelem (Intermediate status TO_CONFIRM_CAPTURE)
  • Transaction accepted by Cetelem (Final status CAPTURED)

Transactions in a TO_CONFIRM_CAPTURE status are then processed by Cetelem before granting a final decision. This decision can take several days. Following this decision, the transaction may have two different statuses:

  • Transaction refused by Cetelem (Final status CAPTURE_REFUSED)
  • Transaction accepted by Cetelem (Final status CAPTURED)

During the time required for Cetelem to process the transaction, you have the option to request cancellation. In this case, the transaction will have the following status:

  • Transaction cancelled by merchant (Final status CANCELLED)

Diagram very complex to describe, please contact the support sips@worldline.com

The payment process for Sips Paypage is described below:

Steps of a Presto payment via Paypage

1) The customer proceeds with the payment. 2) They are redirected to the means of payment selection page hosted by Worldline Sips, they select Presto and enter their card number. 3) They are redirected to the Presto page where they authenticate themselves. 4) They are redirected to a Worldline Sips page. 5) If they click on the back to eshop button, they are redirected to your website which triggers the manual response to be sent. 6) Worldline Sips sends an automatic response.

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.
paymentPattern Tհe value sent in the request is ignored.
The payment type is forced to ONE_SHOT.
Mandatory (13 alphanumeric characters maximum)
Customer purchase order identifier

Mandatory (21 alphanumeric characters maximum)
Customer reference

paymentMeanData.presto.​financialProduct Mandatory to populate with CLA
paymentMeanData.presto.​prestoCardType Optional




Mandatory cf. the table below


Optional cf. the table below


Mandatory cf. the table below


Field name Remarks/rules
customerContact.title Optional
customerContact.firstname Mandatory (30 characters maximum)
customerContact.lastname Mandatory (30 characters maximum)
customerContact.phone Optional
customerContact.mobile Optional
customerContact.email Mandatory (49 characters maximum)


Field name Remarks/rules
customerData.birthDate Optional


Field name Remarks/rules
customerAddress​​.addressAdditional1 Mandatory (32 characters maximum)
customerAddress​.addressAdditional2 Optional
customerAddress.zipCode Mandatory
customerAddress.city Mandatory (30 characters maximum)

The following table summarises the different response cases to be processed:

Status Response fields Action to take
Payment accepted acquirerResponseCode = 00 or 08
authorisationId = (cf. the Data Dictionary).
paymentMeanBrand = PRESTO
paymentMeanType = ONLINE_CREDIT
responseCode = 00
You can deliver the order.
Transaction under study acquirerResponseCode = 02
authorisationId = (cf. the Data Dictionary).
paymentMeanBrand = PRESTO
paymentMeanType = ONLINE_CREDIT
responseCode = 00
The customer credit request is under study at Cetelem.
You can wait for the final decision before delivering the order or not.
The result of the study is checked daily, as explained above.
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 Presto means of payment acceptance is not available through the Sips Office solution.

If the error is related to the data entered on the merchant side (financial product, etc.), the four-digit error code starts with 1XXX (1001 for example).

Check that the code of the financed property is properly set. This value is defined with Cetelem when the approval is opened.

Also check that your PrestoPlus payment request complies with the instructions described in this document.

Frequent errors:

  • orderId not populated,
  • paymentMeanData.presto.paymentMeanCustomerId not populated.
    Error cause Error code Description
    Merchant error 1003 Empty orderId field
    1004 Empty paymentMeanData.presto.paymentMeanCustomerId field
    1005 Equipment code length different from 3 characters
    1006 Financial product code length different from 3 characters

If the error is related to the Worldline application, the four-digit error code begins with 2XXX (2001 for example).

If the error is related to the Cetelem application, the four-digit error code begins with 3XXX (3001 for example).

The equipment code allows to associate a credit request with the property type. You have to determine the correspondence between the items in your catalogue and the BNP PF reference system (cf. the appendix).

Note: in the case of a composite cart where all items do not belong to the same category, the equipment code of the category representing the largest amount should be used.

List of equipment codes:

Code Field Code Field
320 Household – other 616 Computing
322 Refrigerator/Freezer 619 TV-HIFI group purchases
323 Dishwasher 620 Photo equipment
324 Washing machine 621 Telephony
325 Household group 622 Home cinema
326 Refrigerator 623 LCD screen / Plasma screen
327 Freezer 624 Camcorder
328 Stove/hob 625 Computer
329 Dryer 626 Printer/Scanner
330 Furniture – other 631 Holiday travels
331 Lounge 640 Clothing
332 Dining room 650 Books
333 Bedroom 660 Leisure – other
334 Sofa 663 DIY – gardening
335 Furniture group 730 Jewellery
336 Armchair 737 Shutter
337 Library/Wardrobe 738 Lawnmower
338 Bedding 739 Cultivator
339 Bedroom 740 Chainsaw
340 Soft furnishing 741 Brush cutter
341 Office furniture 742 Quad
342 Bathroom furniture 743 Garden furniture
343 Kitchen furniture 744 Barbecue
610 Video/Audio/Computer – other 855 Piano
611 VCR/Video/DVD 857 Organ
613 HIFI equipment 858 Music – other
615 TV set

The following operations are available on Presto transactions:

Cash management
Cancellation V

Cancellation request sent to BNPP on the credit request linked to the transaction.

Validation X
Refund X
Duplication X
Credit X

The diagram below allows you to know which cash management operation is available when a transaction is in a given state:

Cash management operations availability

In case of refusal, the transaction changes from TO_CONFIRM_CAPTURE to CAPTURE_REFUSED status, in case of acceptance, the status is set to CAPTURED. In the case of total cancellation the status is set to CANCELLED.

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 Presto 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 Presto transactions, the field paymentMeanBrand is populated with the value PRESTO.

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

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