iDEAL

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 iDEAL means of payment integration into Worldline Sips.

Who does this document target?

This document is intended to help you implement the iDEAL means of payment on your e-commerce site.

If you have integrated the means of payment since October 2018, please refer to the document iDEAL payment guide (new contracts).
If you have integrated the means of payment before October 2018, you can consult this document.

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 iDeal payments with Worldline Sips

General principles

iDEAL is a means of payment widely used in the Netherlands.

This means of payment allows customers to make online direct transfer purchases from their bank account.

In order to settle their order online, via iDEAL, the customers must first select their bank from a drop-down list. Once redirected to the interface of their bank, all they have to do is to authenticate themselves and confirm the bank transfer.

Moreover, the customers don't have to register for this service. They can use iDEAL directly if they are customer of one of the participating banks.

Acceptance rules

Available functionalities

Payment channels
Internet	V	Default payment channel
MAIL_ORDER, TELEPHONE_ORDER	X
Fax	X
IVS	X

Means of payment
Immediate payment	V
End-of-day payment	X
Deferred payment	X
Payment upon shipping	X
Payment in instalments	X
Subscription payment	X
Batch payment	X
OneClick payment	X

Currency management
Multicurrency acceptance	X	EUR only
Currency settlement	X	EUR only

Transfer confirmation

In some use cases, the bank does not immediately decide on the payment response and returns a code 60, which means the transaction is in the process of validation. Therefore, when your customer navigates back to your website, you don't know whether you can deliver the goods. Upon receipt of the bank response, Worldline Sips sends you an automatic response with the final payment result, which lets you know if the iDEAL payment has been authorised or rejected.

Finally, for the "code 60" use cases, you receive 2 automatic response messages:

1 message with the code 60 ;
1 message with the definitive response code (response code 00 if the payment is accepted, other code if not accepted).

Signing your iDEAL acceptance contract

In order to offer the iDEAL means of payment on your website, you have to sign an acceptance contract with Worldline Sweden. Thereafter, you transmit us the contract number for recording in our information system.

Making an iDEAL payment

You can offer the iDEAL means of payment through the Sips Paypage which directly acts as the payment interface with customers via their web browser.

For iDEAL payments, it is not allowed to defer the remittance, you cannot adjust the date of funds transfer (immediate payment).

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

Making an iDEAL payment with Sips Paypage

The payment process for Sips Paypage is described below:

Setting the payment request

The following fields have a particular behaviour:

Field name	Remarks/rules
captureMode	Tհe value sent in the request is ignored. The capture mode is forced to AUTHOR_CAPTURE.
captureDay	Tհe value sent in the request is ignored. The capture delay is forced to 0.
customerLanguage	Allows to choose the language used on Worldline Sips and iDEAL pages.
paymentPattern	Tհe value sent in the request is ignored. The payment type is forced to ONE_SHOT.
statementReference	The value sent will appear on your account statement. The allowed characters are [a-zA-Z0-9 /\+=.].

Analysing the response

The following table summarises the different response cases to be handled:

Status	Response fields	Action to take
Payment accepted	`acquirerResponseCode` = 00 `authorisationId` = (cf. the Data Dictionary). `paymentMeanBrand` = IDEAL `paymentMeanType` = CREDIT_TRANSFER `responseCode` = 00	You can deliver the order.
Pending transaction	`acquirerResponseCode` = (cf. the Data Dictionary). `responseCode` = 60	You must wait until you receive the second automatic response for this transaction to know its final status and whether you can ship the goods. If you do not receive the automatic response, you will need to check the transactions report regularly.
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 an iDEAL payment with Sips Office

The iDEAL means of payment acceptance is not available through the Sips Office solution.

Managing your iDEAL transactions

Available cash operations

The following operations are available on iDEAL transactions:

Cash management
Cancellation	X	The operation is not available because a transfer cannot be cancelled.
Validation	X
Refund	V
Duplication	X
Credit	X

The diagram below explains which cash management operation is available when a transaction is in a given status:

Viewing your iDEAL transactions

Reports

The reports provided by Worldline Sips allow you to have a complete and consolidated view of your transactions, cash management actions, accounting situation and chargebacks. You can use this information to consolidate your information system.

The availability of iDEAL 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	X

Note: for iDEAL transactions, the paymentMeanBrand field is populated with the value IDEAL.

Sips Office Extranet

You can view your iDEAL transactions and perform various cash management operations with Sips Office Extranet.

Here are the details of an iDEAL transaction:

reference, identifier, date, type, amount, server response and payment method

WL SIPS DOCS