Glossary

"0...9"

Term, abbreviation or acronym	French terminology	Definition
3-D Secure	3-D Secure	Tripartite authentication protocol (issuer/network/acquirer) for the end customer who identify themselves online (for example, by means of a password). Each scheme applies the 3-D Secure protocol in its own programme ("Verified by Visa" for Visa, "MasterCard SecureCode" for Mastercard). The protocol provides additional transaction security by requiring cardholder authentication. This programme offers several advantages: the end customer is guaranteed that their bank details will be transmitted to their bank the merchant is guaranteed that their customer is the cardholder, since the cardholder has been identified by their bank. For this transaction type, the merchant can take advantage of the payment guarantee (the financial responsibility for fraud is transferred to the guaranteeing entity for any defect in customer authentication). 3-D Secure is not suitable for all payment scenarios and does not apply to the following cases: deferred payments of more than 6 days payments in instalments or payments taken over several due dates recurring transactions (for example using the duplication function) offline payments (manual entry by the merchant, IVR, etc.).
3DS	3DS	Cf. 3-D Secure.
4DBC	4DBC	Cf. Card security code.

Term, abbreviation or acronym

French terminology

Definition

3-D Secure

Tripartite authentication protocol (issuer/network/acquirer) for the end customer who identify themselves online (for example, by means of a password). Each scheme applies the 3-D Secure protocol in its own programme ("Verified by Visa" for Visa, "MasterCard SecureCode" for Mastercard).

The protocol provides additional transaction security by requiring cardholder authentication. This programme offers several advantages:

the end customer is guaranteed that their bank details will be transmitted to their bank
the merchant is guaranteed that their customer is the cardholder, since the cardholder has been identified by their bank. For this transaction type, the merchant can take advantage of the payment guarantee (the financial responsibility for fraud is transferred to the guaranteeing entity for any defect in customer authentication).

3-D Secure is not suitable for all payment scenarios and does not apply to the following cases:

deferred payments of more than 6 days
payments in instalments or payments taken over several due dates
recurring transactions (for example using the duplication function)
offline payments (manual entry by the merchant, IVR, etc.).

3DS

Cf. 3-D Secure.

4DBC

Cf. Card security code.

"A"

Term, abbreviation or acronym	French terminology	Definition
AAS	SAA	Acquirer Authorisation Server.
Acceptor	Accepteur	In card scheme, name given to the stakeholder who accepts the card. In the Worldline context, it is the merchant or their PSP.
Acquirer	Acquéreur	The financial institution (or its agent) that receives financial information pertaining to a transaction from the acceptor (the merchant, its payment service provider) and enters this information into an exchange system.
ACS	ACS	Access Control Server. Access control server (3-D Secure) implemented by the issuer and allowing to: check whether authentication is available for a given card number authenticate the user for specific transactions
ANI	IAN	Cf. Automatic Number Identification.
Automatic Number Identification	Identification automatique du numéro	Telecommunication networks feature to automatically identify the caller's phone number and thus know whether this number is (for example) a mobile phone number, a toll-free number, etc.
Anti-carding system	Système anti-carding	Worldline Sips system to detect carding attacks and protect your payment system against them. Cf. Carding.
Authentication	Authentification	The use of an authentication service (such as 3-D Secure) to check the buyer's identity.
Authorisation	Autorisation	Checking of the validity of the Internet user's card with the card issuer. The checks carried out include: checking that the card is not a lost or stolen card, that the expiry date has not expired and that the transaction amount presented will be debited (payment limit of the card not exceeded).
AVS	AVS	Address Verification Code.

"B"

Term, abbreviation or acronym	French terminology	Definition
BIC	BIC	Bank Identifier Code. International identifier of the bank.
BIN	BIN	Bank Identification Number. The leading digits on bank cards. They identify the card issuer. Following the revision of ISO-7812, the length of the BIN has been increased from 6 to 8 digits. During the transitional period, both 6 and 8-digit BINs are allowed. Also called IIN.
BO	BO	Back Office.
Buyer	Acheteur	Cf. Final buyer.

"C"

Term, abbreviation or acronym	French terminology	Definition
Capture	Remise (en paiement)	Cf. Collection.
Cardholder	Porteur de carte	Natural person holding a bank card.
Carding	Carding	Illegal techniques for retrieving an individual's financial data, such as credit card number, bank account number, username or password, etc. The techniques used are, for example, the sending of fraudulent e-mails or the illegal use of data reading devices. The recovered data is then used for fraudulent payments. Cf. Anti-carding system.
Card issuer	Émetteur de la carte	Financial institution that issued a card.
Card range	Card range	Card ranges are basically set on an 8 digits long basis. Nevertheless, to ensure ecosystem readiness, Mastercard has asked all acquirers and their service providers, including processors, support 11-digit BIN ranges and 8-digit BIN standard by April 2022 for its own cards.
Card security code	Code de sécurité de la carte	Visual card security code: 3 digits printed on the signing bar on the back of the domestic VISA (referred to as CVV2), MASTERCARD (CVC2) and CB (CBN2) cards. This code adds an extra level of security for distance selling. In the case of American Express, the card security code is a 4-digit number and is referred to as 4DBC.
CB	CB	Bank card used in France ("Carte Bancaire").
CBN2	CBN2	Verification code for national bank cards. Cf. Card security code.
CCV	CCV	Card Code Verification. Cf. Card security code.
Chargeback	Impayé	Transaction not paid to the merchant.
Chargebacks report	Journal de rapprochement des impayés	This report contains transactions made from the merchant's Worldline Sips webshop that have been credited, and which have then been subject to a credit adjustment (unpaid due to a dispute with the customer for example). This report can be sent to the merchant every day.
CIT	CIT	Customer Initiated Transaction. Transaction initiated by the cardholder either : via an electronic channel (internet) either by direct entry of the card data or by using card data previously stored in a wallet. These transactions are subject to strong cardholder authentication. via a non-electronic channel (MO/TO); the card data was transmitted by the cardholder via a Mail or Telephone type channel. Their entry for payment purpose is done by the merchant. These transactions are not subject to strong cardholder authentication.
Client-Side Encryption	Client-Side Encryption	A technique for encrypting data before it is processed by the Sips Office payment gateway. This technique ensures that data is visualised only on the client side, since data is intercepted and encrypted during entry using an asymmetric encryption key.
CNIL	CNIL	Cf. Commission nationale de l'informatique et des libertés.
CNP	CNP	Card Not Present ou Customer Not Present. As opposed to the proximity acceptance mode using CP (Card Present).
Cobadged	Cobadgé	A cobadged card is a card that covers at least two brands. Most international cards issued in France are cobadged with CB (CB/VISA, CB/MASTERCARD, CB/MAESTRO, etc.).
Collection	Remise (en paiement)	Collection operation performed to pay for a transaction. It consists of crediting/debiting the merchant's account and debiting/crediting the Internet user's account.
Commission nationale de l'informatique et des libertés	Commission nationale de l'informatique et des libertés	(French National Commission for Information Technology and Civil Liberties.) Independant French data protection body created in 1978 to enforce compliance with privacy during the computer processing of personal data.
Credit	Crédit	A transaction in which an amount is transferred from the merchant's account to the buyer's account.
Credit card	Carte de crédit	Bank card with deferred debit option or linked to a revolving credit.
CSC	CSC	Card Security Code. Cf. Card security code.
CSE	CSE	Cf. Client-Side Encryption.
CSV	CSV	Comma-Separated Values. A computer file format in which the data is separated by commas.
CTC	CTC	Centre de Traitement (des transactions) et Compensation.
CVC2	CVC2	Card Validation Code (MasterCard). Cf. Card security code.
CVV2	CVV2	Card Verification Value (Visa). Cf. Card security code.

"D"

Term, abbreviation or acronym	French terminology	Definition
DB	BDD	Database.
DCC	DCC	Cf. Dynamic Currency Conversion.
Debit card	Carte de débit	Immediate debit bank card.
DS	DS	Cf. Directory Server.
Directory Server	Directory Server	Platform for securing remote payments, necessary for the implementation of strong cardholder authentication. Each payment scheme acts as a go-between between a merchant and an issuer's bank and therefore has its own platform.
Dynamic Currency Conversion	Conversion Dynamique des Devises	Service provided to the cardholder allowing them to pay in a currency other than that accepted by the merchant. This service allows the buyer to instantly know the amount paid, which helps to improve customer experience.

"E"

Term, abbreviation or acronym	French terminology	Definition
ELV	ELV	Elektronisches Lastschrift Verfahren. Direct debit payment type that is commmon in Germany. It is based on the following principle: the buyer provides their bank details to the merchant; once the payment has been accepted, a payment request is sent to the customer's account.
EMV	EMV	Europay Mastercard Visa. International security specifications for payment cards equipped with microprocessors, which define interoperability between these cards and EMV payment terminals and aim to improve transaction security.
EMVCo	EMVCo	International body in charge of creating and publishing EMV specifications.
Expired cards report	Journal des cartes échues	This report contains information on stored cards that will expire within a time frame of one to three months.

"F"

Term, abbreviation or acronym	French terminology	Definition
Final buyer	Acheteur final	The final buyer is an Internet user who connects to the merchant's website and pays for a given good or service.
FO	FO	Front Office.
Frictionless authentication	Authentification frictionless	Simplified and secure authentication process that minimises the buyer's intervention, for example for mobile phone payments, contactless card payments, one-click payments.
Frictionless payment	Paiement frictionless	Simplified and secure payment process that minimises the buyer's intervention, for example for mobile phone payments, contactless card payments, one-click payments.
FTP	FTP	File Transfer Protocol. Communication protocol for file sharing.

"G"

Term, abbreviation or acronym	French terminology	Definition
GDPR	RGPD	General Data Protection Regulation. A European Union regulation which acts as the reference text on the protection of personal data. It strengthens and unifies data protection for individuals within the European Union.
Gift card	Carte cadeau	Card with a face value, usable in one or more times. This card can be single or multi-brand.

"H"

Term, abbreviation or acronym	French terminology	Definition
Host	Hébergeur	A service provider hosting one or more websites on its own servers connected to the Internet. Sometimes, hosting companies provide website creation/management services.
Hosted Fields	Hosted Fields	Cf. Sips Hosted Fields.

"I"

Term, abbreviation or acronym	French terminology	Definition
IAS	SAE	Issuer Authorization Server.
IBAN	IBAN	International Bank Account Number.
iframe	iframe	Worldline Sips HTML page embedded in the merchant's website HTML page.
IIN	IIN	Issuer Identification Number. The leading digits on bank cards. They identify the card issuer. Following the revision of ISO-7812, the length of the BIN has been increased from 6 to 8 digits. During the transitional period, both 6 and 8-digit BINs are allowed. Also called BIN.
Internet user	Internaute	Online customer of a merchant. Cf. Final buyer.
ISP	ISP	Intermediate Service Provider. Entity acting as a merchant on behalf of other merchants and securing communications during transactional processing without having to set security keys for each of the registered merchants (e.g. hosting companies or webshop management companies).
Issuer	Émetteur	Financial institution that issued the means of payment.
iSTI	iSTI	Initial Scheme Transaction Identifier. Reference identifier that must be provided in subsequent transactions to the CIT, allowing the MIT/CIT chaining to be performed.
IVR	SVI	Interactive Voice Response.

"L"

Term, abbreviation or acronym	French terminology	Definition
LS	LS	Liability Shift. Cf. below.
Liability Shift	Transfert de responsabilité	Merchants are usually responsible for unpaid e-commerce transactions resulting from fraud. Liability shift means that the loss due to non-payment is transferred from the merchant to the card issuing bank (to accept secured transactions only, please refer to the specific section in the 3-D Secure guide).

"M"

Term, abbreviation or acronym	French terminology	Definition
Mandate	Mandat	The SEPA direct debit materialises the customer's consent to the merchant. You must assign a Unique Mandate Reference (UMR) for each mandate.
MCC	MCC	Merchant Category Code. Code designating the merchant's business activity.
Merchant	Commerçant	A natural person or a legal entity operating a webshop. Merchants using Worldline Sips are registered with Worldline and can take advantage of the secure online payment service.
MerchantId	MerchantId	The merchant's unique identifier used by Worldline.
MIF	CMI	Multilateral Interchange Fee. New European legislation (Regulation 2015/751) on interchange fees for card-related payment operations. This legislation only applies to consumer payment cards issued in the EU, not to company cards and American Express cards.
MIT	MIT	Merchant Initiated Transaction. Transaction initiated by the merchant without the assistance of the cardholder, regardless of the channel. These transactions are not subject to the requirement for strong cardholder authentication. However, they must be linked to the CIT (via the chaining process).
MO	MO	Middle Office.
MOTO	MOTO	Mail Order Telephone Order. Telephone order or regular mail order (standard method for distance selling).
MPI	MPI	Merchant Plug-In. In the context of preventing card fraud, the MPI is a component that allows you to interact with participants during 3DS checks. It checks whether the cardholder is enrolled and gives the result of the authentication on the ACS.

"N"

Term, abbreviation or acronym	French terminology	Definition
Networks (electronic payment)	Networks (electronic payment)	A group of organisations that issue means of payment after entering into a reciprocal agreement regarding the transfer of funds between the cardholder (issuer) and the merchant (acceptor).

"O"

Term, abbreviation or acronym	French terminology	Definition
Operations report	Journal des opérations	This report contains operations from the merchant in the Sips Office Extranet interface or using the Sips Office and Sips Office Batch connectors (refund, validation, cancellation, etc.) since the previous day's report was sent. This report is usually sent to the merchant every day.
OPPOTOTA	OPPOTOTA	National register of French or foreign cards blocked and declared by the CB, Visa and MasterCard networks.

"P"

Term, abbreviation or acronym	French terminology	Definition
PAN	PAN	Primary Account Number. Main account number (card number, bank account number, supplier account for example for Paypal).
Payment capture	Remise (en paiement)	Cf. Collection.
Payment collection	Remise (en paiement)	Cf. Collection.
PCI DSS	PCI DSS	Payment Card Industry – Data Security Standard. Data securisation standard. The Worldline Sips solution is certified compliant with PCI DSS (since 2006, as the first PSP in France).
POS	POS	Point Of Sale.
PSD2	DSP2 PSD2	Cf. Revised Payment Services Directive.
PSP	PSP	Payment Services/Solutions Provider.

"R"

Term, abbreviation or acronym	French terminology	Definition
Reconciliations report	Journal de rapprochement des transactions	This report reconciles the transactions accounted for by the merchant in their Worldline Sips webshop with the transactions actually processed by the processing centre of their banking institution. The result is the amount that will actually be credited/debited to/from their account. In addition, the merchant is notified of any non-reconciled transactions. Thus, the report makes accounting easier for merchants. This report can be sent to the merchant every day.
Regulatory Technical Standards	Normes techniques de réglementation	A set of security measures adopted by the European Commission that better protect customers through higher security requirements for electronic payments (cf. Strong Customer Authentication).
Remitter	Remettant	The remitter is a partner acting as a technical operator on behalf of several shops. The remitter manages file exchanges with the Worldline Sips payment platform. A remitter may send several merchant transactions in the same file provided that they are declared in the name of the remitter at the time of registration.
Revised Payment Services Directive	Directive révisée sur les services de paiement	New European Commission directive that aims to better secure electronic payments and better protect payment data and customers' personal data.
RTG	RTG	Response Time Guarantee.
RTS	NTR RTS	Cf. Regulatory Technical Standards.

"S"

Term, abbreviation or acronym	French terminology	Definition
SafeDebit	SafeDebit	Bank account payment solution for issuing a payment guarantee for SDD chargebacks. This solution is offered by Score & Secure Payment (SSP) after a SafeDebit contract has been suscribed with them.
SAQ	SAQ	Cf. Self-Assessment Questionnaire.
SCA	SCA	Cf. Strong Customer Authentication.
SCI	ICS	Sepa Creditor Identifier. Reference needed to implement a direct debit. Replaces the national issuer number ("Numéro National d'Émetteur", or NNE) in France.
Score & Secure Payment	Score & Secure Payment	Publisher of the SafeDebit electronic payment solution.
SCT	SCT	SEPA Credit Transfer. Transfer: a euro means of payment for the execution of fund transfers between accounts located in the SEPA area.
SDD	SDD	SEPA Direct Debit. Direct debit: a euro means of payment for the execution of fund transfers between accounts located in the SEPA area. It is at the initiative of the creditor (the merchant), authorised in advance by the debtor (the Internet user/customer) through the issuing of a mandate.
SDK	SDK	Cf. Software Development Kit.
SDPX (library)	(Librairie) SDPX	Worldline Sips Javascript component used by merchants for their CSE or Hosted Fields integrations.
Secret key	Clé secrète	Unique value to ensure the confidentiality and integrity of payment through the Worldline payment solution.
Secure payment	Paiement sécurisé	Transactions recorded on the Internet are protected against unauthorised interception and against any unauthorised editing or modification of the original content of messages.
Self-Assessment Questionnaire	Questionnaire d'auto-évaluation	PCI DSS questionnaire completed by an organisation or a merchant that/who then forwards this questionnaire to any third party (e.g. acquirer) requesting it to assess the PCI DSS compliance of the said organisation/merchant.
SEPA	SEPA	Single Euro Payments Area. A European protocol implemented to create a single market for all citizens and businesses and to make payments across the European Union as easily, quickly and reliably as in the most efficient national payment systems.
Worldline Sips	Worldline Sips	Solution allowing you to collect the proceeds of your online sales and integrating a set of services to optimise your Internet sales activity.
Sips Hosted Fields	Sips Hosted Fields	An additional Sips Office option, in the form of embedded fields, allowing you to reduce PCI DSS constraints by outsourcing certain security requirements related to sensitive information.
Sips Office Batch	Sips Office Batch	Allows to provide merchants with Sips Office features in batch mode, based on file sharing.
Sips Office Extranet	Sips Office Extranet	Management interface allowing the merchant to view their transactions and carry out cash management operations.
Sips Office	Sips Office	Interface that works through a server-to-server dialog. This interface allows the merchant to manage their own payment pages, as well as their own management interface.
Software Development Kit	Kit de développement logiciel	A set of software tools for developers that facilitate the development of software on a given platform.
SPS	SPS	SEPA Payment Suite. Worldline's solution for managing SEPA payments.
SSP	SSP	Cf. Score & Secure Payment.
STI	STI	Scheme Transaction Identifier. Chaining identifier, unique reference provided by the issuer in the response of the CIT authorisation (or information) request which enables the chaining process. This identifier must be used in subsequent authorisation requests (MIT).
Strong Customer Authentication	Authentification forte du client	Procedure for authenticating card payments made online, aimed at enhancing the security of these payments by requiring the user to meet at least two conditions to prove their identity.

"T"

Term, abbreviation or acronym	French terminology	Definition
Token	Token	The token is a number shared by the merchant and Worldline Sips. It replaces the card number (PAN) and is not sensitive data.
Tokenisation	Tokenisation	Process of substituting the PAN, considered as a sensitive data element, with a non-sensitive equivalent data created by a tokeniser.
TRA	TRA	Transaction Risk Analysis. As part of the Revised Payment Services Directive (PSD2), a methodology for analysing fraud rates, carried out by an issuer (issuer TRA) or an acquirer (acquirer TRA) to determine whether Strong Customer Authentication (SCA) is required for a given transaction.
TRA exemption	Exemption TRA	A Strong Customer Authentication (SCA) specific case allowing an acquirer, and by delegation its merchant, not to apply the SCA procedure to a transaction identified as low risk. Please get in touch with your acquirer to know if you qualify for the TRA exemption. Cf. TRA.
Transaction Risk Analysis	Analyse du risque de transaction Transaction Risk Analysis	Cf. TRA.
Transactions Report	Journal des transactions	This report contains the payments (whether accepted or declined) made from the merchant's Worldline Sips webshop. This report is usually sent to the merchant every day.

"U"

Term, abbreviation or acronym	French terminology	Definition
UMR	RUM	Unique Mandate Reference.

"W"

Term, abbreviation or acronym	French terminology	Definition
Wallet	Wallet	A virtual storage space in which payment means can be stored in order to be able to pay without re-entering the payment means details (OneClick payment) or to trigger subsequent payments without the holder being present..
Wallet Initiated Payment	Wallet Initiated Payment	Service applying to Bancontact cards and allowing: not to process the 3-D Secure authentication phase on OneClick payments to process recurring payments
WCAG	WCAG	Cf. Web Content Accessibility Guidelines.
Web Content Accessibility Guidelines	Web Content Accessibility Guidelines	Recommandations du World Wide Web Consortium (W3C) pour rendre les contenus Web plus accessibles à des personnes en situation de handicap.
WIP	WIP	Cf. Wallet Initiated Payment

WL SIPS DOCS

Glossary

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"A"

"B"

"C"

"D"

"E"

"F"

"G"

"H"

"I"

"L"

"M"

"N"

"O"

"P"

"R"

"S"

"T"

"U"

"W"

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