Introduction
Worldline 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 Worldline Sips.
Who does this document target?
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 Worldline Sips solution, we advise you to consult the following documents:
- Functional presentation
- Functionality set-up guide
Understanding CUP payments with Worldline Sips
General principles
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.
Acceptance rules
Available functionalities
| 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 |
Authorisation request
The maximum authorisation period for a CUP transaction is 20 days. After this period the transaction will be expired.
Making a CUP payment
Worldline 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:
Making a CUP payment with Sips Paypage
The CUP mean of payment acceptance is not available through the Sips Paypage solution.
Making a CUP payment with Sips Office
The payment process for Sips Office is described below:
Setting the payment request
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) |
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).cardScheme = (cf. the Data
Dictionary).paymentMeanBrand =
BCACUPresponseCode =
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, 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.
Making a CUP payment with Sips Office
The payment process for Sips Office is described below:
Setting the payment request
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) |
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).cardScheme = (cf. the Data
Dictionary).paymentMeanBrand =
BCACUPresponseCode =
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, 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.
Managing your CUP transactions
Available cash operations
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 transaction created by duplication will necessarily be in "one-time payment" settlement method. |
| Credit | X | |
The diagram below allows you to know which cash management operation is available when a transaction is in a given state:
Viewing your CUP transactions
Reports
The reports provided by Worldline 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 |
Sips Office Extranet
You can view your CUP transactions and perform various cash management operations with Sips Office Extranet.
