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 3xCBCofidis and 4xCBCofidis payment means integration into Worldline Sips.
Who does this document target?
This document is intended to help you implement the 3xCBCofidis and 4xCBCofidis payment means 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 Cofidis payments with Worldline Sips
General principles
Cofidis, a French company specialised in credit, offers a mean of payment allowing to pay for online purchases in 3 or 4 instalments, with a credit card.
During a Cofidis payment, the customer is redirected to the Cofidis credit file opening application. At the end of the entry, they are informed online of the credit request result.
3xCB and 4xCB Cofidis payment means are available for France, Spain and Belgium .
Acceptance rules
Available functionalities
| Payment channels | ||
|---|---|---|
| Internet | V | Default payment channel |
| MOTO | X | |
| Fax | X | |
| IVS | X | |
| Means of payment | ||
|---|---|---|
| Immediate payment | V | |
| End-of-day payment | V | |
| Deferred payment | V | Limited to 6 days |
| Payment upon shipping | V | Limited to 6 days |
| Payment in instalments | X | |
| Subscription payment | X | |
| Batch payment | X | |
| OneClick payment | X | |
| Currency management | ||
|---|---|---|
| Multicurrency acceptance | X | EUR (978) only |
| Currency settlement | X | EUR (978) only |
Payment pages
The customer selects the 3xCBCofidis and 4xCBCofidis payment means.
They ares then redirected to the required information entry page.
At the end of the kinematic, the payment ticket is displayed, then the customer returns to your website.
Signing your Cofidis acceptance contract
In order to offer the 3xCBCofidis and 4xCBCofidis payment means on your website, you have to sign an acceptance contract with Cofidis. Thereafter, you transmit us the contract number for recording in our information system.
Making a 3xCBCofidis payment
You can offer the 3xCBCofidis and 4xCBCofidis payment means through the Sips Paypage interface.
The remittance modes available for a Cofidis 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.
- Immediate mode : the authorisation and remittance are executed online simultaneously.
The diagram below explains the different transaction statuses according to the chosen capture mode:
Making a payment with Sips Paypage
The payment process for Sips Paypage is described below:
Setting the payment request
This part lists all the data exchanged between the various actors (merchant, Worldline Sips, Cofidis) during a payment request.
Some fields that you have populated allow to pre-fill the form hosted by Cofidis.
| Field name | Remarks/rules |
|---|---|
| captureDay | The value sent in the request must be 6 at a maximum. A
larger value will be forced to 6. |
| paymentPattern | Tհe value sent in the request is ignored. The payment
type is forced to ONE_SHOT. |
| orderId | Mandatory: 15 alphanumeric characters maximum |
| amount | Formated in cents: 9 digits maximum |
paymentMeanData.cofidis3x.preScoreValue |
Optional (N7). Your preliminary risk scoring on the
transaction. Setting a value in this
field must be done in accordance with Cofidis for a 3xCB payment
request. |
paymentMeanData.cofidis4x.preScoreValue |
Optional (N7). Your preliminary risk scoring on the
transaction. Setting a value in this
field must be done in accordance with Cofidis for a 4xCB payment
request. |
customerIpAddress |
Optional. Customer IP address. |
| subMerchantName | Identifier of the merchant of the Payment Facilitator in the context of Collecting offer or a Marketplace offer. |
| customerContact | Mandatory. Cf. the tables below for more
details. |
| customerId | Optional. (15 characters maximum) Customer identifier. |
| customerData | Optional. Cf. the tables below for more
details. |
| customerAddress | Optional. Cf. the tables below for more
details. |
| customerLanguage | Allows to choose the language used on Worldline Sips and Cofidis pages. |
| shoppingCartDetail | Optional. Cf. the tables below for more
details. |
customerContact
| Field name | Remarks/rules |
|---|---|
| customerContact.title | Customer's title (MR, MRS or MISS) |
| customerContact.firstname | Customer's first name (32 characters maximum) |
| customerContact.lastname | Customer's name (32 characters maximum) |
| customerContact.phone | Landline number (10 numeric characters maximum) |
| customerContact.mobile | Mobile phone number (10 numeric characters maximum) |
| customerContact.email | E-mail address |
customerData
| Field name | Remarks/rules |
|---|---|
| customerData.birthDate | Birth date |
| customerData.birthZipCode | Birth province (32 characters maximum) |
| customerData.birthCity | Birthplace |
| customerData.birthCountry | Country of birth |
| customerData.nationalityCountry | Country of nationality |
| customerData.maidenName | Maiden name (32 characters maximum) |
customerAddress
| Field name | Remarks/rules |
|---|---|
customerAddress.streetNumber |
Street number (5 numeric characters maximum) |
| customerAddress.street | Street name (40 characters maximum) |
| customerAddress.streetAdditional1 | Addition to the address (32 characters maximum) |
| customerAddress.zipCode | Postal code (5 characters maximum) |
| customerAddress.city | City (32 characters maximum) |
| customerAddress.country | Country code |
| customerAddress.postBox | Boîte postale de l'adresse (8 characters maximum) |
| customerAddress.state | Etat/département de l'adresse (2 numeric characters maximum) |
shoppingCartDetail
| Field name | Remarks/rules |
|---|---|
| shoppingCartDetail.shoppingCartTotalQuantity | Total quantity of all products in the basket (2 numeric characters maximum) |
| shoppingCartDetail.discountAmount | 1 if a discount has been made, 0 else |
| shoppingCartDetail.shoppingCartItemList.itemX.productUnitAmount | Unit amount of the product |
| shoppingCartDetail.shoppingCartItemList.itemX.productDescription | Detailed description of the ordered product |
| shoppingCartDetail.shoppingCartItemList.itemX.productCategory | Category of the ordered product (20 characters maximum) |
| shoppingCartDetail.shoppingCartItemList.itemX.productCode | Ordered product code (15 characters maximum) |
| shoppingCartDetail.shoppingCartItemList.itemX.productQuantity | Product quantity in the cart (3 numeric characters maximum) |
| shoppingCartDetail.shoppingCartItemList.itemX.productName | Ordered product name (20 characters maximum) |
deliveryData
| Nom du champ | Remarques / règles |
|---|---|
| deliveryData.deliveryChargeAmount | Total charge of the order delivery (7 numeric characters maximum) |
| deliveryData.deliveryMethod | 1 – Withdrawal at the merchant 2 – Network of withdrawal points 3 - Withdrawal at a train station, an airport, a travel agency 4 – Carrier (eg. La poste, Colissimo, UPS, private carrier) 5 – Electronic ticket 6 – Locker, pick-up point without identity check 7 – autre |
| deliveryData.deliveryMode | S - Strandard E – Express I – Immediate O - Other |
| deliveryData.deliveryOperator | Delivery provider (50 characters maximum) |
deliveryAddress
| Nom du champ | Remarques / règles |
|---|---|
deliveryAddress.streetNumber |
Number of the street of the address (5 numeric characters maximum) |
| deliveryAddress.street | Name of the street of the address (40 characters maximum) |
| deliveryAddress.streetAdditional1 | Addition to the address (32 characters maximum) |
| deliveryAddress.zipCode | Postal code for the address (5 characters maximum) |
| deliveryAddress.city | City (32 characters maximum) |
| deliveryAddress.country | Coutry code |
| deliveryAddress.postBox | Post box for the address (8 characters maximum) |
| deliveryAddress.state | Country/region of the address (2 numeric characters maximum) |
deliveryContact
| Nom du champ | Remarques / règles |
|---|---|
| deliveryContact.mobile | Mobile phone number for the contact (15 characters maximum) |
travelData
| Nom du champ | Remarques / règles |
|---|---|
| travelData.stayDataList.stayDataX.stayDepartureDateTime | Departure date of stay |
| travelData.stayDataList.stayDataX.stayArrivalDateTime | Arrival date of stay |
| travelData.stayDataList.stayDataX.stayCategory | Nature of service for the stay |
| travelData.stayDataList.stayDataX.stayLocation | Country code |
customerAccountHistoric
| Nom du champ | Remarques / règles |
|---|---|
| customerAccountHistoric.creationDate | Customer registration date on merchant site |
| customerAccountHistoric.firstPurchaseDate | First customer purchase date |
| customerAccountHistoric.lastPurchaseDate | Last customer purchase date |
| customerAccountHistoric.numberOfPurchase180Days | Number of purchases made on the customer's account via the merchant site over the last six months (last 180 days) (2 numeric characters maximum) |
| customerAccountHistoric.numberOfTransactionYear | Number of accepted or abandoned transactions in the last year on the merchant's customer account. (2 numeric characters maximum) |
Analysing the response
The following table summarises the different response cases to be processed:
| Status | Response fields | Action to take |
|---|---|---|
| Payment accepted | acquirerResponseCode = 00
paymentMeanBrand =
COFIDIS_3XpaymentMeanType =
ONLINE_CREDITresponseCode =
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 payment with Sips Office
the 3xCBCofidis and 4xCBCofidis payment means acceptance is not available through the Sips Office solution.
Managing your transactions
Available cash operations
The following operations are available on 3xCBCofidis or 4xCBCofidis transactions:
| Cash management | ||
|---|---|---|
| Cancellation | V | |
| Validation | V | |
| Refund | V | |
| Duplication | X | |
| Credit | X | |
The diagram below explains which cash management operation is available when a transaction is in a given status:
Viewing your 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 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 transactions and perform various cash management operations with Sips Office Extranet.
