Introduction
The aim of this document is to present the integration of the use of scheme tokens in the payment process with wallet.
Who does this document target?
This document is aimed at merchants and their technical teams who wish to use scheme tokens in their CIT (Customer Initiated Transaction) or MIT (Merchant Initiated Transaction) with the wallet functionality.
To have an overview of Worldline Sips solution, we recommend that you consult the following documents :
Functional schema
This diagram describes the technical relationships between the merchant, Worldline Sips and TSPs (Token Service Provider).
Registration with TSP
Registration with the TSP is done through Worldline Sips. However, it is preferable to inform your acquirer in advance.
List of items to provide :
- Trade name of the webshop ;
- Webshop identification number :
- VISA and Mastercard : VAT identification number ;
- CB : Token Requestor ID (Initial temporary operation) ;
Note:Initial CB process specifics : You must contact your acquirer to request registration with the CB TSP. Once this registration is completed, the CB GIE will send the merchant (via their acquirer) an identifier (Token Requestor ID) that must be communicated to Worldline Sips.
Use cases
Here are the use cases of the scheme token on Worldline Sips when using wallet.
Scheme tokenization for wallet use cases
To benefit from scheme tokenization for this use case, it is imperative to have the option wallet enabled.
Scheme tokenization will be applied to authorized transactions made with a registered payment mean or when a new one is added to the wallet.
Here is the diagram of scheme tokenization after a transaction with a payment mean from a wallet :
Here is the diagram of scheme tokenization after a new payment mean is added in a wallet :
To avoid longer processing times, scheme tokenization will be performed asynchronously, whether after a payment made with a payment method from a wallet or when adding a new payment method.
Payment with the scheme token
After the scheme token is generated and ready to be used, the next time a transaction will be performed with the payment mean, it will be replaced by the associated scheme token.
Here is a diagram describing this operation :
If an error occurs during the process before the authorization request, Worldline Sips will fallback to the PAN associated to the payment mean instead of using the scheme token.
Disable the scheme token option
If the option is disabled, payments will no longer be made with a scheme token. The payment process will be as it was before its activation.
