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Paytrail 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 (via the Paytrail platform)the Finnish online bank payment integration into WL Sips.

This document is intended to help you implement (via the Paytrail platform)the Finnish online bank 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

Paytrail is a Finnish payment platform that offers online bank payments for 11 Finnish banks.

  • OP-Pohjola
  • Danske Bank
  • LähiTapiola
  • S-Pankki
  • Aktia
  • Ålandsbanken
  • Handelsbanken
  • Nordea
  • Säästöpankki
  • Nooa
  • POP
Payment channels
Internet V Default payment channel
MOTO X
Fax X
IVS X
Means of payment
Immediate payment V Default method
End-of-day payment X
Deferred payment X
Payment upon shipping X
Payment in instalments X
Subscription payment X
Batch payment X
OneClick payment X
Currency management
Multicurrency acceptance X EUR only
Currency settlement X EUR only

The customer selects one of the Finnish banks:


image of the selection page of a Finnish bank

They are then redirected to the Finnish bank login page (differ from bank to bank):


image of the Finnish bank login page

An authentication page on the online bank (differ from bank to bank) is displayed:


image of the authentication page on the online bank

After providing the required information, the customer is redirected to the payment transaction confirmation page (differ from bank to bank):


image of the transaction confirmation page

The payment ticket is displayed, then the customer returns to your website:


image of the payment ticket

Please contact your Account Support Manager.

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

The diagram below explains the different transaction statuses according to the chosen capture mode:


diagram showing the different statuses of a transaction

In the immediate mode, the transaction will either go to the Captured state if it has been accepted (response code 00), or to the Refused state if it has been refused (response code other than 00) or to the Aborted state if it was abandoned (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 Paytrail payment method. He is redirected to the pages of his online bank to authenticate himself. 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.

The following fields have a particular behaviour:

Field Name Remarks/rules
captureMode Tհe value sent in the request is ignored.
The capture mode is forced to IMMEDIATE.
captureDay Tհe value sent in the request is ignored.
The capture delay is forced to 0.
customerLanguage Allows to choose the language used on WL Sips and Paytrail pages.
paymentPattern Tհe value sent in the request is ignored.
The payment type is forced to ONE_SHOT.
amount 65<amount<20000000 cents

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).
paymentMeanBrand = PAYTRAIL
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 Paytrail means of payment acceptance is not available through the Sips Office solution.

No transaction management operation is available with the Paytrail 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 Paytrail 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
Note: for Paytrail transactions, the paymentMeanBrand field is populated with the value PAYTRAIL.

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

Here are the details of a Paytrail transaction:



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