Cetelem 3X 4X CB

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 Cetelem 3X 4X CB means of payment integration integration into Worldline Sips.

Who does this document target?

This document is intended to help you implement the Cetelem 3X 4X CB 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 Worldline Sips solution, we advise you to consult the following documents:

Functional presentation
Functionality set-up guide

Understanding Cetelem 3X 4X payments with Worldline Sips

General principles

Cetelem, a brand of BNP Paribas Personal Finance, is a French financial institution specialising in financing individuals consumer credit activities.

Cetelem offers a mean of payment allowing to pay in 3 or 4 instalments for online purchases, with CB, Visa or Mastercard debit cards.

During a Cetelem 3X 4XCB payment, the customer is redirected to the Cetelem credit application opening application. At the end of their entry, they are informed online of the payment result.

Acceptance rules

Available functionalities

Payment channels
Internet	V	Default payment channel
MOTO	X
Fax	X
IVS	X

Means of payment
Immediate payment	V
End-of-day payment	X	Forced to the immediate payment.
Deferred payment	X	Forced to the immediate payment.
Payment upon shipping	X	Forced to the immediate payment.
Payment in instalments	X
Subscription payment	X
Batch payment	X
OneClick payment	X

Currency management
Multicurrency acceptance	X
Currency settlement	X

Payment pages

The customer selects the Cetelem 3X 4X CB mean of payment.

Once the means of payment has been selected, the payment option selection page is displayed. The customer chooses to pay in 3 or 4 times.

The customer is then redirected to the required information entry page for a Cetelem 3X and 4X CB payment:

After providing the required information, the customer is redirected to the verification page for a Cetelem 3X 4X CB payment:

The payment ticket is displayed, then the customer returns to your website.

Signing your Cetelem 3X 4X CB acceptance contract

In order to offer the Cetelem 3X 4X CB means of payment on your website, you have to sign an acceptance contract with BNP Paribas Personal Finance. Thereafter, you transmit us the contract number for recording in our information system.

Making a Cetelem 3X 4X CB payment

You can offer the Cetelem 3X 4X CB mean of payment through the Sips Paypage which directly acts as the payment interface with customers via their web browser.

The only remittance mode available for a Cetelem 3X 4X CB transaction is the immediate mode (the transaction remittance is executed at the time of the online payment acceptance).

The diagram below explains the different transaction statuses according to the chosen capture mode:

Description of the possible statuses for a Cetelem 3X 4X CB transaction

Making a Cetelem 3X 4X CB payment with Sips Paypage

The payment process for Sips Paypage is described below:

Steps of a Cetelem 3X 4X CB payment via Paypage

Setting the payment request

This part lists all the data exchanged between the various actors (merchant, Worldline Sips, Cetelem) during a Cetelem 3X 4X CB payment request.

Some fields that you have populated allow to pre-fill the form hosted by Cetelem 3X 4X CB:

Field name	Remarks/rules
captureMode	Tհe value sent in the request is ignored. The capture mode is forced to IMMEDIATE.
captureDay	Tհe value sent in the request is ignored. The capture delay is forced to 0.
paymentPattern	Tհe value sent in the request is ignored. The payment type is forced to ONE_SHOT.
orderId	The field must contain a maximum of 30 alphanumeric characters, otherwise the payment method is not available.
paymentMeanData.cetelem3x.cetelemPrivateMerchantData	Optional (400 characters maximum): Private data relating to the merchant.
paymentMeanData.cetelem4x.cetelemPrivateMerchantData	Optional (400 characters maximum): Private data relating to the merchant.
paymentMeanData.cetelem3x.cetelemPrivateData	Optional (400 characters maximum): Private data relating to the exchanges between Monext and the merchant.
paymentMeanData.cetelem4x.cetelemPrivateData	Optional (400 characters maximum): Private data relating to the exchanges between Monext and the merchant.

holderContact

Field name	Mandatory/optional
holderContact.title	Mandatory
holderContact.firstname	Mandatory
holderContact.lastname	Mandatory
holderContact.phone	Optional At least one of the phone numbers must be populated.
holderContact.mobile	Optional At least one of the phone numbers must be populated.
holderContact.email	Mandatory

billingContact

Field name	Mandatory/optional
billingContact.firstname	Mandatory
billingContact.lastname	Mandatory

deliveryContact

Field name	Mandatory/Optional
deliveryContact.firstname	Mandatory
deliveryContact.lastname	Mandatory

Specific data format

Data	Format details
Holder Title	Only the following values are valid: M, Mlle, Mme
*Holder and Billing name	Only the following characters are accepted: the letters of the alphabet [A-Za-z] (from A to Z in lowercase or uppercase) the following accented letters [àâáãäçèéêëîìíïôòóóùûúúü] in lowercase or uppercase the [-] character is accepted provided that it is not at the beginning or the end the space character [ ] whatever its position the apostrophe character ['] is accepted provided that it is not at the beginning or the end. Any characters, other than those mentioned above, are not allowed. The value must contain at least 2 characters.
**Contact phone	The transmitted number must respect the following format: "00" followed by the dialing code followed by 9 digits xxxxxxxxx "0" followed by 9 digits xxxxxxxxx "+" Followed by the dialing code followed by 9 digits xxxxxxxxx the dialing code followed by 9 digits xxxxxxxxx.The accepted telephone codes are: 33 262 (La Réunion) 269 (Mayotte) 508 (Saint Pierre et Miquelon) 590 (Guadeloupe & Saint Barthélemy &; Saint Martin) 594 (Guyane) 596 (Martinique) 681 (Wallis & Futuna) 687 (New Caledonia) 689 (French Polynesia) 377 (Monaco)
***Contact email	Email in user@host format The user part can only contain the following characters: the letters of the alphabet [A-Za-z] (from A to Z in upper or lower case) the numbers [0-9] (from 0 to 9). the underscore [_] the dash [-] the dot [.] the plus [+] The host part can only contain the following characters: the letters of the alphabet [A-Za-z] (from A to Z in upper or lower case) the numbers [0-9] (from 0 to 9). the Dot [.] ending with a dot followed by 2 to 6 alphabetic characters [A-Za-z] (from A to Z in lower case or in uppercase).

billingAddress

Field name	Mandatory/optional
billingAddress.street	Mandatory
billingAddress.addressAdditional1	Optional
billingAddress.zipCode	Mandatory
billingAddress.city	Mandatory
billingAddress.country	Mandatory

deliveryAddress

Field name	Mandatory/optional
deliveryAddress.street	Mandatory
deliveryAddress.addressAdditional1	Optional
deliveryAddress.zipCode	Mandatory
deliveryAddress.city	Mandatory
deliveryAddress.country	Mandatory

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` = CETELEM_3X or CETELEM_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 Cetelem 3X 4X CB payment with Sips Office

The Cetelem 3X 4X CB means of payment acceptance is not available through the Sips Office solution.

Managing your Cetelem 3X 4X CB transactions

Available cash operations

The following operations are available on Cetelem 3X 4X CB transactions:

Cash management
Cancellation	X
Validation	X
Refund	V
Duplication	X
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 Cetelem 3X 4X CB transactions

Reports

The reports provided by Worldline 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 Cetelem 3X 4X CB 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 Cetelem 3X 4X CB transactions, the paymentMeanBrand field is populated with values CETELEM_3X and CETELEM_4X.

Sips Office Extranet

You can view your Cetelem 3X 4X CB transactions and perform various cash management operations with Sips Office Extranet.

WL SIPS DOCS