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
Fax 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


Your preliminary risk scoring on the transaction.
Setting a value in this field must be done in accordance with Cofidis.


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.


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.
Note: Cofidis sends you recommendations to populate the preScoreValue and cofidisPrivateData fields . These instructions are not controlled by Sips because they do not block the payment processing.


Field name Remarks/rules
customerContact.title Customer's title
customerContact.firstname Customer's first name
customerContact.lastname Customer's name Landline number Mobile phone number E-mail address


Field name Remarks/rules
customerData.birthDate Birth date
customerData.birthZipCode Birth province


Field name Remarks/rules


Street number
customerAddress.street Street name
customerAddress.streetAdditional1 Supplemental address
customerAddress.zipCode Postal code City Country code


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
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 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

Viewing your 4xCBCofidis 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 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
Note: for 4xCBCofidis transactions, the paymentMeanBrand field is populated with the value COFIDIS_4X.

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: