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CUP card by Floa Bank integration

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It is advised to read the following documents before

  • Recommended

    3-D Secure

    Functional, technical documentation and user guides to help you to integrate WL Sips online payment solution.

    Open in new tab 3-D Secure

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 CUP card by Floa Bank integration into WL Sips.

This document is intended to help you implement the CUP card by Floa Bank 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

CUP card is a private mean of payment distributed by Cdiscount and has Crédit Mutuel as an exclusive acquirer.

The CUP card, offered by Floa Bank, is a co-branded card that can be used:

  • as an ordinary credit card under the MasterCard mean of payment
  • as a private Cdiscount credit card allowing to make a credit payment

Through this mean of payment the customer can choose the suitable credit terms from a list of mean of payment choices. This mean of payment specifies the desired credit terms, in particular: the credit rate, the number of payment due dates, the amount of each due date, the additional costs related to the payment.

Payment channels
Internet V Default payment channel
MOTO X
Fax X
IVS X
Means of payment
Immediate payment X
End-of-day payment V
Deferred payment V
Payment upon shipping V
Payment in instalments X
Subscription payment V
Batch payment X
OneClick payment X
Currency management
Multicurrency acceptance X EURO (978) only
Currency settlement X EURO (978) only

The maximum authorisation period for a CUP transaction is 20 days. After this period the transaction will be expired.

WL Sips offers you two solutions to integrate the CUP mean of payment:

  • Sips Office which gives you the possibility to display your payment pages and works through a server to-server dialog.
  • Sips Office Batch which allows you to process batch payments.

The remittance modes available for an American Express 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:


Diagram very complex to describe, please contact support sips@worldline.com

The CUP mean of payment acceptance is not available through the Sips Paypage solution.

The payment process for Sips Office is described below:


Steps of a CUP payment via Paypage

1) The customer proceeds with the payment directly on your website. 2) You send a payment request to WL Sips engine. 3) WL Sips sends an authorisation to the acquirer. 4) The transaction's final result is then sent to your website.

Creating a CUP payment is possible using the CardOrder CardCheckEnrollment/CardValidateAuthenticationAndOrder methods of CheckOut service.

The CardCheckEnrollment/CardValidateAuthenticationAndOrder method is dedicated to the 3-D Secure acceptance.

The following fields must be populated:

Field name Remarks/rules
captureDay The value sent in the request must be 20 at a maximum.
A larger value will be forced to 20.
cardExpiryDate Mandatory (format: YYYYMM)
cardNumber Mandatory
currencyCode Mandatory: EUR only (978)
orderChannel Mandatory (INTERNET)
paymentMeanBrand Must be populated with BCACUP.
paymentMeanData.bcacup.settlementMode Mandatory (COMPTAN, REVOLCR, or any other digital value on 7 positions)

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).
cardScheme = (cf. the Data Dictionary).
You can deliver the order.
Acquirer refusal acquirerResponseCode = (cf. the Data Dictionary). The authorisation is refused for a reason unrelated to fraud, you can suggest that your customer pay with another means of payment by generating a new request.
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 payment process for Sips Office is described below:


Steps of a CUP payment via Paypage

1) The customer proceeds with the payment directly on your website. 2) You send a payment request to WL Sips engine. 3) WL Sips sends an authorisation to the acquirer. 4) The transaction's final result is then sent to your website.

Creating a CUP payment is possible using the CardOrder CardCheckEnrollment/CardValidateAuthenticationAndOrder methods of CheckOut service.

The CardCheckEnrollment/CardValidateAuthenticationAndOrder method is dedicated to the 3-D Secure acceptance.

The following fields must be populated:

Field name Remarks/rules
captureDay The value sent in the request must be 20 at a maximum.
A larger value will be forced to 20.
cardExpiryDate Mandatory (format: YYYYMM)
cardNumber Mandatory
currencyCode Mandatory: EUR only (978)
orderChannel Mandatory (INTERNET)
paymentMeanBrand Must be populated with BCACUP.
paymentMeanData.bcacup.settlementMode Mandatory (COMPTAN, REVOLCR, or any other digital value on 7 positions)

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).
cardScheme = (cf. the Data Dictionary).
You can deliver the order.
Acquirer refusal acquirerResponseCode = (cf. the Data Dictionary). The authorisation is refused for a reason unrelated to fraud, you can suggest that your customer pay with another means of payment by generating a new request.
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 following operations are available on CUP transactions:

Cash management
Cancellation V Partial cancellation allowed only for the "one-time payment" and "revolving credit" settlement methods.
Validation V Partial validation allowed only for the "one-time payment" and "revolving credit" settlement methods.
Refund V Partial refund allowed only for the "one-time payment" and "revolving credit" settlement methods.
Duplication V The payment option of the duplicated transaction may be different from the original operation.
Please refer to the paragraph Duplicating a CUP transaction.
Credit X

The diagram below allows you to know which cash management operation is available when a transaction is in a given state:


Diagram very complex to describe, please contact support sips@worldline.com

For a duplication with the CUP mean of payment, settlementMode has a specific behaviour.

If nothing is specified and the settlementMode of the original transaction is used.

Otherwise it is possible to change the settlementMode of the original transaction by specifying it in the duplication request.

Field name Remarks/Rules Value setting example
paymentMeanData.bcacup.​settlementMode Optional (COMPTAN, REVOLCR, or any other digital value on 7 positions) COMPTAN

The reports provided by WL Sips allow you to to have a complete and consolidated view of your transactions, cash operations, accounting situation and chargebacks. You can use this information to improve your information system.

The availability of CUP transactions for each type of report is summarised in the table below:

Reports availability
Transactions report V
Operations report V
Reconciliations report V
Chargebacks report V
Note: for CUP transactions, the paymentMeanBrand field is populated with the value BCACUP.

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



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