4xCBCofidis integration
Introduction
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 4xCBCofidis means of payment integration integration into WL Sips .
Who does this document target?
This document is intended to help you implement the 4xCBCofidis means of payment integration 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
Understanding 4xCBCofidis payments with WL Sips
General principles
Cofidis, a French company specialised in credit, offers a mean of payment allowing to pay for online purchases in 3 or 4 instalments, with a credit card.
During a 4xCBCofidis payment, the customer is redirected to the Cofidis credit file opening application. At the end of the entry, they are informed online of the credit request result.
Acceptance rules
Available functionalities
| Payment channels | ||
|---|---|---|
| Internet | V | Default payment channel |
| MOTO | X | |
| Fax | X | |
| IVS | X | |
| Means of payment | ||
|---|---|---|
| Immediate payment | X | The immediate mode is forced to end-of-day payment. |
| End-of-day payment | V | |
| Deferred payment | X | The deferred payment is forced to end-of-day payment. |
| Payment upon shipping | V | Allowed between 0 and 8 days as a maximum (value to be defined with Cofidis). If a value greater than 8 days is set in the request, WL Sips will force to 8. |
| Payment in instalments | X | |
| Subscription payment | X | |
| Batch payment | X | |
| OneClick payment | X | |
| Currency management | ||
|---|---|---|
| Multicurrency acceptance | X | EUR (978) only |
| Currency settlement | X | EUR (978) only |
Payment pages
The customer selects the 4xCB Cofidis means payment.
They are then redirected to the required information entry page:
The payment ticket is displayed, then the customer returns to your website.
Signing your 4xCB Cofidis acceptance contract
In order to offer the 4xCB Cofidis means of payment on your website, you have to sign an acceptance contract with Cofidis. Thereafter, you transmit us the contract number for recording in our information system.
Making a 4xCBCofidis payment
You can offer the 4xCB Cofidis 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 4xCBCofidis 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 4xCBCofidis payment with Sips Paypage
The payment process for Sips Paypage is described below:
Setting the payment request
This part lists all the data exchanged between the various actors (merchant, WL Sips , Cofidis) during a 4xCBCofidis payment request.
Some fields that you have populated allow to pre-fill the form hosted by Cofidis.
| Field name | Remarks/rules |
|---|---|
| captureDay | The value sent in the request must be 8 at a maximum. A
larger value will be forced to 8.
|
| paymentPattern | Tհe value sent in the request is ignored. The payment
type is forced to ONE_SHOT.
|
| orderId | Mandatory (15 alphanumeric characters maximum) |
| amount | Formated in cents 9 digits maximum |
|
paymentMeanData.cofidis4x.preScoreValue |
Optional. Your preliminary risk scoring on the
transaction.
Setting a value in this field must be done
in accordance with Cofidis.
|
|
paymentMeanData.cofidis4x.cofidisDisplayCancelButton |
Optional (AN4): Information that displays a "Cancel"
button (or link) on the 4xCB payment pages hosted by Cofidis.
To view this link, the partner will set the value to
UR17.
|
|
paymentMeanData.cofidis4X.cofidisPrivateData |
Optional. The value setting rules for this field will
be indicated directly by Cofidis.
|
| paymentMeanData.cofidis4x.basket | Content of the customer basket. |
| customerContact | Optional. Cf. the tables below for more
details.
|
| customerData | Optional. Cf. the tables below for more
details.
|
| customerAddress | Optional. Cf. the tables below for more
details.
|
| customerLanguage | Allows to choose the language used on WL Sips and Cofidis pages. |
| shoppingCartDetail | Optional. Cf. the tables below for more
details.
|
customerContact
| Field name | Remarks/rules |
|---|---|
| customerContact.title | Customer's title |
| customerContact.firstname | Customer's first name |
| customerContact.lastname | Customer's name |
| customerContact.phone | Landline number |
| customerContact.mobile | Mobile phone number |
| customerContact.email | E-mail address |
customerData
| Field name | Remarks/rules |
|---|---|
| customerData.birthDate | Birth date |
| customerData.birthZipCode | Birth province |
customerAddress
| Field name | Remarks/rules |
|---|---|
|
customerAddress.streetNumber |
Street number |
| customerAddress.street | Street name |
| customerAddress.streetAdditional1 | Supplemental address |
| customerAddress.zipCode | Postal code |
| customerAddress.city | City |
| customerAddress.country | Country code |
shoppingCartDetail
| Field name | Remarks/rules |
|---|---|
| shoppingCartDetail.shoppingCartItemList.itemX.productCode | Ordered product code |
| shoppingCartDetail.shoppingCartItemList.itemX.productQuantity | Product quantity in the cart |
| shoppingCartDetail.shoppingCartItemList.itemX.productName | Ordered product name |
Analysing the response
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
=
COFIDIS_4X paymentMeanType
=
ONLINE_CREDIT responseCode
=
00 |
You can deliver the order. |
| Acquirer refusal |
acquirerResponseCode
= (cf.
the Data Dictionary). responseCode
=
05 |
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
.
Making a 4xCBCofidis payment with Sips Office
The 4xCBCofidis means of payment acceptance is not available through the Sips Office solution.
Managing your 4xCBCofidis transactions
Available cash operations
The following operations are available on 4xCBCofidis transactions:
| Cash management | ||
|---|---|---|
| Cancellation | V | |
| Validation | V | |
| Refund | V | |
| Duplication | X | |
| Recycling | X | |
| Credit | X | |
The diagram below explains which cash management operation is available when a transaction is in a given status:
Viewing your 4xCBCofidis transactions
Reports
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 4xCBCofidis 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 |
Sips Office Extranet
You can view your 4xCBCofidis transactions and perform various cash management operations with Sips Office Extranet .
Here are the details of a 4xCBCofidis transaction:
