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 CACF means of payment integration into WL Sips.
Who does this document target?
This document is intended to help you implement the CACF means of payment on your e-commerce site.
- 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
Understanding CACF payments with WL Sips
The CACF is a private mean of payment offered by major retailers, with the exclusive acquirer Crédit Agricole.
The CACF card, offered by the Crédit Agricole Consumer Finance Group, is a "co-branded" card that can be used:
- Like an ordinary bank card under the Visa means of payment.
- Like a CACF private credit card allowing to make a payment on credit.
By these means of payment, the customer can choose the suitable credit terms from the means of payment list of choice. This mean of payment specifies the desired credit conditions; in particular: the credit rate, the number of payment due dates, the amount of each maturity, the additional costs related to the payment.
|Internet||V||Default payment channel|
|Means of payment|
|End-of-day payment||V||Default method|
|Payment upon shipping||V|
|Payment in instalments||X|
|Multicurrency acceptance||X||EUR only|
|Currency settlement||X||EUR only|
All pages developed respect the principles of responsive design and can be used on all terminals, smartphones/tablets and others.
The payment customisation rules in effect on WL Sips are applied on the pages of this payment process.
The customer who clicks on the "VISA CACF" card logo is redirected from WL Sips to the Crédit Agricole Consumer Finance payment options page of choice.
This page allows, among other things, the choice of a dual offer type option, with the number of monthly payments or the amount of the monthly payments entry by the customer. The cardholder can view the credit conditions on this page displayed by CACF.
The customer is then redirected by Crédit Agricole Consumer Finance to WL Sips. Crédit Agricole Consumer Finance sends WL Sips the payment option applicable to the purchase during this redirection.
The wording of the payment option sent to WL Sips will be displayed on the WL Sips pages following the payment process.
The customer is then redirected to the required information entry page.
They enter the following information on this page:
- card number
- card expiry date
- card security code
If any of these data are missing or invalid, or if the card number entered is not in range, an error message is displayed and a new entry is requested.
The standard operation of WL Sips applies: the number of input attempts is capped, the code 75 is returned if the number of attempts is exceeded.
Signing your CACF acceptance contract
In order to offer the CACF means of payment on your website, you have to sign an acceptance contract with Crédit Agricole Consumer Finance and hold a CB distance selling contract supporting the 3-D Secure. Thereafter, you transmit us the contract number for recording in our information system.
Making a CACF payment
You can offer the CACF 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 a CACF 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.
The diagram below explains the different transaction statuses according to the chosen capture mode:
Making a CACF payment with Sips Paypage
The payment process for Sips Paypage is described below:
Setting the payment request
The following fields have a particular behaviour:
|paymentPattern||Tհe value sent in the request is ignored.
The payment type is forced to ONE_SHOT.
|captureDay||The value sent in the request must be 21 at a
A larger value will be forced to 21.
|customerLanguage||Allows to choose the language used on WL Sips and CACF pages.|
Analysing the response
The following table summarises the different response cases to be processed:
|Status||Response fields||Action to take|
||You can deliver the order.|
||The authorisation is refused for a reason unrelated to
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||
||The customer has made several attempts that have all failed.|
|Refusal due to a technical issue||
||Temporary technical issue when processing the transaction. Suggest that your customer redo a payment later.|
Making a CACF payment with Sips Office
The CACF means of payment acceptance is not available through the Sips Office solution.
Managing your CACF transactions
Available cash operations
The following operations are available on CACF transactions:
|Cancellation||V||Cancellation available on a total amount only. The cancellations will be prohibited in a time slot 19h/20h to avoid errors in processing the discount. The cancellation is available on a transaction created in validation mode.|
|Validation||V||Validation available only on a total amount of the transaction.|
|Duplication||V||The payment terms of the original transaction are repeated for the duplicated transaction.|
The diagram below explains which cash management operation is available when a transaction is in a given state:
Viewing your CACF transactions
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 CACF transactions for each type of report is summarised in the table below:
Sips Office Extranet
You can view your CACF transactions details and perform various cash management operations with Sips Office Extranet․
Here are the details of a CACF transaction: