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Release 22.5

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PayButton CBC-KBC integration

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WL 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 PayButton means of payment integration into WL Sips.

This document is intended to help you implement the PayButton means 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 WL Sips solution, we advise you to consult the following documents:

  • Functional presentation
  • Functionality set-up guide

PayButton is a mean of payment offered by the Belgian banks KBC and CBC allowing customers to pay by bank transfer.

When customers decide to pay via PayButton, they are redirected to the website of the online bank to authenticate themselves and than confirm the bank transfer.

Customers need to have a card reader.

Payment channels
Internet V Default payment channel
MOTO X
Fax X
IVR X
Means of payment
Immediate payment V
Payment at the end of the day X
Deferred payment X
Payment upon shipping X
Payment in instalments X
Subscription payments X
Batch payment X
OneClick payment X
Currency management
Multicurrency acceptance X EUR only
Currency settlement X EUR only

Those payment buttons have the following features:

  • credit transfer
  • euro only
  • single message payment:
    • no remittance
    • no chargeback
  • account:
    • merchant:
      • have a KBC/CBC banking account.
      • have signed a KBC/CBC Online acceptance contract.
    • customer :
      • have a KBC/CBC banking account.
      • have a KBC/CBC card reader.
  • identification:
    • account holders login with their BCK/CBC card reader.
  • real time online payment:
    • online feedback:
      • 3 feedback attempts with a delay of 3 minutes in case of online communication problems
      • after three bad attempts, 3 feedback attempts with a delay of 2 hours
    • in case of timeout from mainframe on the processing of the money transfer (very unusual), you have to check your account manually (only possible in cases when the beneficiary's account is the same as your account).

You have to sign an ING Home’Pay acceptance contract and ING will provide you a VENDOR_ID.

You have to provide a technical password to ING Home’Pay.

You should also have an ING banking account and should subscribe to an online ING bank in order to check transfers.

KBC/CBC Online acquiring contracts are 2 distinct contracts, one for KBC bank and the other for CBC bank.

You should also have a KBC/CBC banking account.

You have to give to WL Sips your VENDOR_ID given by ING Home’Pay during the ING registration and the technical password you have given to ING Home’Pay.

WL Sips has an integrator identification for both KBC/CBC Online.

On your registration step, you should transfer the following data to WL Sips:

  • merchant name
  • merchant IBAN account number
  • merchant BIC account number

You can offer the PayButton means 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 PayButton transaction is the immediate mode (the transaction remittance is executed at the time of the online payment acceptance).

The diagram below explains the different statuses by which ING transactions can be made according to the chosen capture mode:


diagram showing the different statuses of a transaction

In the immediate mode, the transaction will go to the Captured status if it was accepted (response code 00), the transaction will go to the Refused status if it was refused (response code 05), the transaction will go to the Undefined status if no response (response code 97).

The diagram below explains the different statuses by which KBC and CBC transactions can be made according to the chosen capture mode:


diagram showing the different statuses of a transaction

In the immediate mode, the transaction will go to the Captured status if it was accepted (response code 00), the transaction will go to the Refused status if it was refused (response code 05), the transaction will go to the Undefined status if no response (response code 97), the transaction will go to the Aborted status if it was refused (response code 17).

The payment process for Sips Paypage is described below:


image showing the kinematics of a payment via Paypage

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 CBC or KBC or ING payment method. He is redirected to CBC, KBC or ING pages to do the payment. 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.

No specific field required to submit a PayButton payment request.

For KBC-CBC, the statement reference is expected to be a numeric on 10 digits. If it does not, we send a different field to the acquirer; this field is composed as follow:

  • Transaction date with format "MMdd” (4 characters), followed by
  • Transaction id left padded with "0” (6 characters).

Example: 1121009453 where Transaction date is 21st of November and Transaction is = 9453.

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).
paymentMeanType = CREDIT_TRANSFER
You can deliver the order.
Acquirer refusal acquirerResponseCode = (cf. the Data Dictionary). 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 PayButton means of payment acceptance is not available through the Sips Office solution.

No transaction management operation is available with the PayButton mean of payment.

The reports provided by WL 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 PayButton transactions for each type of report is summarised in the table below:

Reports availability
Transactions report V
Operations report X
Reconciliations report X
Chargebacks report X
Note: for PayButton CBC/KBC-ING transactions, the paymentMeanBrand field is populated with the values KBCONLINE, CBCONLINE or INGHOMEPAY.

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

Here are the details of PayButton transactions for KBC, CBC and ING:







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