Oney Paylater

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 Oney Paylater mean of payment integration into Worldline Sips.

Who does this document target?

This document is intended to help you implement Oney Paylater mean 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

Understanding Oney Paylater payments with Worldline Sips

General principles

Oney Bank is a French financial institution that offers consumer credit and payment solutions.

Oney offers an online credit solution with one-time payment in 30 days called Oney Paylater

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	X	Forced to the immediate payment.
Payment upon shipping	V	Forced to 30 days max.
Payment en plusieurs fois	X
Payment par abonnement	X
Batch payment	X
Payment OneClick	X

Oney Paylater means of payment characteristics

Oney Paylater is a payment solution that offers client 30 days to pay the order.

In order to use Oney Paylater, it is required to send the payment request with (settlementMode) the commercial code for Oney's offer.
Make contact with Oney to know commercial codes possible.
For each offer, there is a specific threshold (max and min amount) which can be set up with Oney.
If you don't know these thresholds, Please make contact with Oney.

Validations that take place on the payment server are:

orderId data must be filled. It is treated as an order reference for Oney. You should make sure that the orderId is unique.
Oney requires other data to be present in the payment request, to acknowledge this list, please refer to paragraph «Setting the payment request».

Cart delivery

The instant response returned from the online payment can be definitive (CAPTURED) or temporary (TO_CONFIRM_CAPTURE).

The definitive response is known upon confirmation operation (going to CAPTURED status in cas of approval, or REFUSED otherwise). In order to know the final result of the payment, you must check the detailed remittance transactions daily in the Operations report.

Therefore, you have to wait for the transaction to be in CAPTURED state to deliver the package to your clients.

Payment pages

The client choses Oney Paylater as mean of payment.

Then he's redirected to Oney's payment details page

Once he's on the next page, it contains payment details which he has to fill.

Screenshot showing the input fields for the payment data

Finally, when the order is processed with Oney, a confirmation page appears.

Signing your Oney Paylater acceptance contract

In order to offer the Oney Paylater mean of payment on your website, you have to sign an acceptance contract with Oney. Thereafter, you transmit us the contract number for recording in our information system.

Making an Oney Paylater payment

You can offer the Oney Paylater 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 an Oney Paylater transaction are :

Immediate mode: the authorisation and remittance are executed online simultaneously.
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:

Description of the possible statuses for an Oney Paylater transaction

Making an Oney Paylater payment with Sips Paypage

The payment process for Sips Paypage is described below:

image showing the kinematics of a payment via Paypage

Setting the payment request

The following fields have a particular behaviour:

Field Name	Remarks/rules
`amount`	Mandatory, max and min amount which can be set up with Oney.
`captureDay`	The value sent in the request must be 30 at a maximum. A larger value will be forced to 30.
`paymentPattern`	Tհe value sent in the request is ignored. The payment type is forced to ONE_SHOT.
`orderId`	Mandatory
`customerId`	Mandatory, maximum 8 characters
`paymentMeanData.oneypaylater.settlementMode`	Mandatory : Business transaction code; Contact Oney for a complete list of these payment terms.
`customerContact`	For more details, cf. the tables below.
`customerAddress`	For more details, cf. the tables below.
`customerLanguage`	Mandatory, allows to choose the language used on Worldline Sips and Oney pages.
`deliveryData`	For more details, cf. the tables below.
`deliveryContact`	For more details, cf. the tables below.
`deliveryAddress`	For more details, cf. the tables below.
`shoppingCartDetail`	For more details, cf. the tables below.

Table 1. customerContact
Field Name	Remarks/rules
`customerContact.title`	Mandatory (M, MME or MLLE)
`customerContact.lastname`	Mandatory
`customerContact.firstname`	Mandatory
`customerContact.phone`	Mandatory
`customerContact.mobile`	Mandatory
`customerContact.email`	Mandatory

Table 2. customerAddress
Field Name	Remarks/rules
`customerAddress.streetNumber`	Optional
`customerAddress.street`	Mandatory
`customerAddress.zipCode`	Mandatory
`customerAddress.city`	Mandatory
`customerAddress.country`	Mandatory (ISO 3166-1 alpha-3)
`customerAddress.addressAdditional1`	Optional

Table 3. deliveryData
Field Name	Remarks/rules
`deliveryData.estimatedDeliveryDate`	Mandatory
`deliveryData.deliveryMode`	Mandatory 1 – At the merchant 2 – Third-party relay point 3 - Airport, train station, travel agency 4 – Billing address 5 – Delivery address 6 – Electronic ticket
`deliveryData.deliveryMethod`	Mandatory, on 2 digits 1st digit : delivery option 1 - Express (under 24h) 2 – Standard 3 – Priority 2nd digit : delivery priority 0 - If no priority 1 - Delivery over 1 hour 2 – Immediate delivery

Table 4. deliveryContact
Field Name	Remarks/rules
`deliveryContact.title`	Optional (M, MME or MLLE)
`deliveryContact.lastname`	Mandatory
`deliveryContact.firstname`	Mandatory
`deliveryContact.phone`	Mandatory
`deliveryContact.email`	Mandatory

Table 5. deliveryAddress
Field Name	Remarks/rules
`deliveryAddress.streetNumber`	Optional
`deliveryAddress.street`	Mandatory
`deliveryAddress.zipCode`	Mandatory
`deliveryAddress.city`	Mandatory
`deliveryAddress.country`	Mandatory (ISO 3166-1 alpha-3)
`deliveryAddress.addressAdditional1`	Optional
`deliveryAddress.company`	Optional

shoppingCartDetail

Attention: shoppingCartItemList is a complex object.

Please refer to the inegration guide of the connector you have chosen to integrate to learn you to implement this field.

Note: the most expensive product must be the first item in the cart.

Field Name	Remarks/rules
`shoppingCartDetail.shoppingCartTotalQuantity`	Mandatory
`With N items … (minimum 1 item)`	Mandatory
`shoppingCartDetail.shoppingCartItemList.itemX.productSKU`	Mandatory Values : 1 – Food and drink 2 – Car and motorcycle 3 – Culture and entertainment 4 – Home and garden 5 – household appliances 6 - Auctions and multiple purchases 7 – Flowers and gifts 8 – PC and software 9 - Beauty and well-being 10 – Services to a person 11 – Professional services 12 – Sport 13 – Clothing and accessories 14 – Travel and tourism 15 – Hifi, photo and video 16 – Phone and communications
`shoppingCartDetail.shoppingCartItemList.itemX.productDescription`	Mandatory : label
`shoppingCartDetail.shoppingCartItemList.itemX.productCode`	Mandatory : external reference
`shoppingCartDetail.shoppingCartItemList.itemX.productQuantity`	Mandatory
`shoppingCartDetail.shoppingCartItemList.itemX.productUnitAmount`	Mandatory
`shoppingCartDetail.shoppingCartItemList.itemX.travelData`	Optional From version IR_WS_2.38 (Sips Paypage SOAP/REST) or HP_2.38 (Sips Paypage POST) Travel data - cf table below.

Note: travelData is a container reserved for tour operators. A field marked "Mandatory" below is mandatory only if its container is not empty.

Table 6. travelData
Field Name	Remarks/rules
`travelData.numberOfTravelers`	Optional
`travelData.journeyDataList`	Optional Fields marked "Mandatory" in this list are mandatory only if a journey is entered in the list
`travelData.journeyDataList.journeyDataX.journeyStage`	Optional - Possible values : OUTWARD TRANSIT RETURN
`travelData.journeyDataList.journeyDataX.journeySequence`	Conditional - Mandatory if `journeyStage` is TRANSIT Indicates the sequence of the transient journey in the list of journeys, from 1 to 9
`travelData.journeyDataList.journeyDataX.departureDateTime`	Mandatory - Format ISO8601 Departure date and time
`travelData.journeyDataList.journeyDataX.departureLocation`	Mandatory Departure city
`travelData.journeyDataList.journeyDataX.arrivalLocation`	Mandatory Arrival city
`travelData.journeyDataList.journeyDataX.classLevel`	Mandatory - Possible values : 1 - First class or business class 2 - Second class or economy class
`travelData.journeyDataList.journeyDataX.ticketExchangeabilityIndicator`	Mandatory - Possible values : true - Tickets can be exchanged false - Tickets can not be exchangede
`travelData.journeyDataList.journeyDataX.journeyInsuranceIndicator`	Mandatory - Possible values : true - The journey is guaranteed false - The journey is not guaranteed
`travelData.journeyDataList.journeyDataX.journeyMode`	Optional - Possible values : AIR RAIL RENTAL CRUISE
`travelData.stayDataList`	Optional Fields marked "Mandatory" in this list are mandatory only if a stay is entered in the list
`travelData.stayDataList.stayDataX.numberOfPeopleStaying`	Optional
`travelData.stayDataList.stayDataX.stayLocation`	Mandatory Place of residence
`travelData.stayDataList.stayDataX.stayNumberOfRooms`	Optional Number of rooms
`travelData.stayDataList.stayDataX.stayArrivalDateTime`	Mandatory - Format ISO8601 Arrival date and time
`travelData.stayDataList.stayDataX.stayDepartureDateTime`	Mandatory - Format ISO8601 Departure date and time
`travelData.stayDataList.stayDataX.stayRentalCarIndicator`	Optional - Possible values : true - A vehicle is rented for this stay false - No vehicle rented for this stay
`travelData.stayDataList.stayDataX.stayInsuranceIndicator`	Mandatory - Possible values : true - The stay is guaranteed false - The stay is not guaranteed
`travelData.stayDataList.stayDataX.stayCategory`	Optional - Possible values : HOTEL RENTAL TOUR OTHER

Example of travelData with Sips Paypage, with two trips :

A trip to New York with a round flight from Paris and a stay in a hotel.
A day in London, departure from Paris by train with a connection in Lille and return to Paris by plane.

Post
Json

shoppingCartDetail.shoppingCartTotalQuantity=2
|shoppingCartDetail.shoppingCartItemList={productDescription=Paris NewYork,productCode=189,productSKU=14,productUnitAmount=250000,productQuantity=1,travelData.numberOfTravelers=1,
travelData.journeyDataList={departureLocation=Paris,arrivalLocation=New York,departureDateTime=2021-01-01T10:30:00+02:00,classLevel=1,journeyMode=AIR,journeyStage=OUTWARD,journeyInsuranceIndicator=true,ticketExchangeabilityIndicator=true},
{departureLocation=New York,arrivalLocation=Paris,departureDateTime=2021-01-05T17:30:00+02:00,classLevel=1,journeyMode=AIR,journeyStage=RETURN,journeyInsuranceIndicator=true,ticketExchangeabilityIndicator=true},
travelData.stayDataList={stayLocation=Blue Motel,stayArrivalDateTime=2021-01-01T20:00:00+02:00,stayDepartureDateTime=2021-01-05T07:30:00+02:00,stayNumberOfRooms=1,stayInsuranceIndicator=true,stayRentalCarIndicator=true}},
{productDescription=Paris London,productCode=190,productSKU=14,productUnitAmount=15000,productQuantity=1,travelData.numberOfTravelers=1,
travelData.journeyDataList={departureLocation=Paris,arrivalLocation=Lille,departureDateTime=2021-06-01T07:00:00+02:00,classLevel=2,journeyMode=RAIL,journeyStage=OUTWARD,journeyInsuranceIndicator=false,ticketExchangeabilityIndicator=false},
{departureLocation=Lille,arrivalLocation=London,departureDateTime=2021-06-01T09:00:00+02:00,classLevel=2,journeyMode=RAIL,journeyStage=TRANSIT,journeySequence=1,journeyInsuranceIndicator=false,ticketExchangeabilityIndicator=false},
{departureLocation=London,arrivalLocation=Paris,departureDateTime=2021-06-01T20:00:00+02:00,classLevel=1,journeyMode=AIR,journeyStage=RETURN,journeyInsuranceIndicator=true,ticketExchangeabilityIndicator=true}}


{
   "shoppingCartDetail":{
      "shoppingCartTotalQuantity":"2",
      "shoppingCartItemList":[
         {
            "productCode":"189",
            "productDescription":"Paris New York",
            "productQuantity":"1",
            "productSKU":"14",
            "productUnitAmount":"250000",
            "travelData":{
               "numberOfTravelers":"1",
               "journeyDataList":[
                  {
                     "arrivalLocation":"New York",
                     "classLevel":"1",
                     "departureDateTime":"2021-01-01T10:30:00+02:00",
                     "departureLocation":"Paris",
                     "journeyInsuranceIndicator":"true",
                     "journeyMode":"AIR",
                     "journeyStage":"OUTWARD",
                     "ticketExchangeabilityIndicator":"true"
                  },
                  {
                     "arrivalLocation":"Paris",
                     "classLevel":"1",
                     "departureDateTime":"2021-01-05T17:30:00+02:00",
                     "departureLocation":"New York",
                     "journeyInsuranceIndicator":"true",
                     "journeyMode":"AIR",
                     "journeyStage":"RETURN",
                     "ticketExchangeabilityIndicator":"true"
                  }
               ],
               "stayDataList":[
                  {
                     "stayArrivalDateTime":"2021-01-01T20:00:00+02:00",
                     "stayDepartureDateTime":"2021-01-05T07:30:00+02:00",
                     "stayInsuranceIndicator":"true",
                     "stayLocation":"Blue Motel",
                     "stayNumberOfRooms":"1",
                     "stayRentalCarIndicator":"true"
                  }
               ]
            }
         },
         {
            "productCode":"190",
            "productDescription":"Paris London",
            "productQuantity":"1",
            "productSKU":"14",
            "productUnitAmount":"15000",
            "travelData":{
               "numberOfTravelers":"1",
               "journeyDataList":[
                  {
                     "arrivalLocation":"Lille",
                     "classLevel":"2",
                     "departureDateTime":"2021-06-01T07:00:00+02:00",
                     "departureLocation":"Paris",
                     "journeyInsuranceIndicator":"false",
                     "journeyMode":"RAIL",
                     "journeyStage":"OUTWARD",
                     "ticketExchangeabilityIndicator":"false"
                  },
                  {
                     "arrivalLocation":"London",
                     "classLevel":"2",
                     "departureDateTime":"2021-06-01T09:00:00+02:00",
                     "departureLocation":"Lille",
                     "journeyInsuranceIndicator":"false",
                     "journeyMode":"RAIL",
                     "journeySequence":"1",
                     "journeyStage":"TRANSIT",
                     "ticketExchangeabilityIndicator":"false"
                  },
                  {
                     "arrivalLocation":"Paris",
                     "classLevel":"1",
                     "departureDateTime":"2021-06-01T20:00:00+02:00",
                     "departureLocation":"London",
                     "journeyInsuranceIndicator":"true",
                     "journeyMode":"AIR",
                     "journeyStage":"RETURN",
                     "ticketExchangeabilityIndicator":"true"
                  }
               ]
            }
         }
      ]
   }
}
}

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 documentation). `paymentMeanBrand` = ONEY_PAYLATER `paymentMeanType` = PROVIDER `responseCode` = 00	You can deliver the order.
Pending	`acquirerResponseCode` = (cf. the Data Dictionary documentation). `responseCode` = 60	Waiting for Oney acceptance.
Acquirer refusal	`acquirerResponseCode` = (cf. the Data Dictionary documentation). `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 maximum 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 Oney Paylater payment with Sips Office

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

Managing your Oney Paylater transactions

Available cash operations

The following operations are available on Oney Paylater transactions:

Cash management
Cancellation	V
Validation	V	Validation available on the total or partial amount of the transaction.
Refund	V
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:

image too complex to be described, please contact the support

Viewing your Oney Paylater 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 Oney Paylater transactions for each type of report is summarised in the table below:

Disponibilité des journaux
Transactions report	V
Operations report	V
Reconciliations report	V
Chargebacks report	X

Note: for Oney Paylater transactions, the paymentMeanBrand field is populated with the value ONEY_PAYLATER.

Sips Office Extranet

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

Screenshot of an Oney paylater transaction details

WL SIPS DOCS