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CPay

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Introduction

Mercanet 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 CPay means of payment integration into Mercanet.

Who does this document target?

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

It includes:

  • functional information for you
  • implementation instructions for your technical team

To get an overview of the Mercanet solution, we advise you to consult the following documents:

  • Functional presentation
  • Functionality set-up guide

Understanding Cpay payments with Mercanet

General principles

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

The CPay cards (previously Aurore cards) of Cetelem allow to make cash or on credit payments.

To pay with a CPay card, cardholders have to provide their card details, namely:

  • Card number
  • Expiry date
  • Visual security code
  • The means of payment of their choice

All CPay payments are subject to 3-D Secure V2 during payment kinematics. When possible the authentication will be performed using Frictionless, however on Soft Decline error, an authentication using Chalenge mode will automatically be performed once again.

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 V Default method
Deferred payment V Limited to 6 days
Payment upon shipping V Limited to 6 days
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
CVA and CVA_ENSEIGNE cards

You will find below a table summarising the validation business rules associated with the card types:

  • CVA (CPay cards)
  • CVA_ ENSEIGNE (CPay cards co-branded with a trading name)
Attention: for the CVA_SESEIGNE, only the cards of the trading name are accepted (for example: the CVA cards of the XXX trading name cannot be used with the CVA_YYY means of payment).
Card type Card length Validity date CVV Default conditions (these terms will be implemented by Cetelem)
CVA 16 YES Optional if BIN = 501765 or 507850, otherwise mandatory. "CREDIT", "CASH", "5, 10 and 20 months generic"
CVA_ ENSEIGNE 16 YES Optional if BIN = 501765 or 507850, mandatory otherwise. Contact Cetelem for options implementation adapted to the trading name.
Payment options
Option code Option type Web Label Interfaces
04 DIRECT PAYMENT CREDIT Paypage
05* DIRECT PAYMENT CASH Paypage
70 LONG-TERM 2 MONTHS DTS (special drawing rights) Paypage
71 LONG-TERM CREDIT IN 3 MONTHS Paypage
72 LONG-TERM CREDIT 5M GN (5 months generic) Paypage
73 LONG-TERM CREDIT 10M GN (10 months generic) Paypage
74 LONG-TERM CREDIT 20M GN (20 months generic) Paypage
77 LONG-TERM CREDIT FREE IN 3 MONTHS Paypage
59 LONG-TERM CREDIT IN 4 MONTHS Paypage
64 LONG-TERM CREDIT FREE IN 4 MONTHS Paypage
Supported languages

On Paypage, pages for CPay cards are only available in French.

Reconciliations report

Cetelem and BNP Paribas offer a CPay reconciliations report. With this daily reporting, you know the funds paid to you on your bank account. Transactions appear in the report when they are in the CAPTURED status. The report does not represent the actual state of your account. However, it is not possible to have an outstanding payment with a CPay payment.

All merchants benefiting from a CPay contract registered on Mercanet will be able to benefit from CPay reconciliations reports if they make a request.

Cetelem rules for reconciliations report production

Considering T as the authorisation request date and if T is neither a public holiday nor a weekend, CPay reconciliations are triggered automatically:

  • the following morning (T+1 day) for transactions made before 10:20 pm
  • two days later, in the morning (T+2 days) for transactions made after 10:20 pm

If T is a public holiday or a weekend, CPay reconciliations are triggered automatically:

  • T+X+1 days later, in the morning, T+X being the next working day

Cetelem does not take a commission, so the "gross amount" and "net amount" fields will always have the same value.

In the case of payment campaigns in X instalments free of charge, the seller is responsible for bank charges. As BNP Paribas is not aware of the amount of these bank charges, they can't appear in the reconciliations report, and the "gross amount" and "net amount" fields will also have the same value.

Payment pages

The customer selects the CPay means of payment.

They are then redirected to the required information entry page:

  • card number (mandatory)
  • expiry date (mandatory)
  • selecting a payment option
  • CVV (mandatory)

required information entry page

After providing the required information, the customer is redirected to the validation page of the previously entered information:


the validation page of the previously entered information

The customer confirms the payment:


page to confirm the payment

Cetelem indicates whether the financing request has been accepted or refused:


page which indicates that Cetelem has refused the financing


page which indicates that Cetelem has accepted the financing

Signing a CPay acceptance contract

In order to offer the CPay means of payment on your website, you must have a contract with BNP Paribas Personal Finance. The contract number given to you by your bank must be sent to us for registration in our information system.

Making a CPay payment

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

The remittance modes available for a CPay 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.
  • Immediate mode: the authorisation and remittance are executed online simultaneously.

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


diagram showing the different statuses of a transaction

If the merchant chooses validation mode, the transaction will either go to the To validate status if it has been accepted (response code 00) or to the refused status if it has been refused (response code different of 00). If the merchant chooses the cancellation mode, the transaction will either go to the To capture status if it was accepted (response code 00) or to the refused status if it was refused (response code different of 00). If the merchant chooses the immediate mode, the transaction will either go to the Captured status if it was accepted (response code 00) or to the refused status if it was refused (response code different of 00).

Making a CPay payment with Paypage

The payment process for Paypage is described below:


image showing the kinematics of a payment via Paypage

1) After finalizing the order on the merchant website, the customer proceeds to the payment. 2) The customer is redirected to the payment pages hosted on the Mercanet side and selects Cpay. 3) The customer is redirected to the ACS of his bank to do a strong authentication. 4) When the customer returns to Mercanet the ticket with the result is displayed. 5) If the customer clicks on the return to shop button, his redirected to the merchant's website which unlocks the manual response. 6) The Mercanet engine also sends an automatic response to the merchant website.
Setting the payment request

The following fields have a particular behaviour:

Field name Remarks/rules
paymentPattern Tհe value sent in the request is ignored.
The payment type is forced to ONE_SHOT.
captureDay The value sent in the request must be 60 at a maximum.
A larger value will be forced to 60.
currencyCode Mandatory: EUR only (978)
Analysing the response

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

Status Response fields Action to take
Payment accepted acquirerResponseCode = 00
acquirerResponseMessage = Cetelem ticket
authorisationId = (cf. the Data Dictionary).
maskedPan = (cf. the Data Dictionary).
panExpiryDate = (cf. the Data Dictionary).
paymentMeanBrand = AURORE
paymentMeanType = CARD
paymentMeanTradingName = card name with reference to the trading name.
responseCode = 00
settlementMode = code of the means of payment chosen by the customer.
 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 CPay payment with Office (M2M)

The CPay means of payment acceptance is not available through the Office (M2M) solution.

Test procedure

Cetelem and BNP Paribas make their validation platforms available for CPay card payment testing.

Test data to be used

Test cards

Please apply for test cards to the following recipients:

Other

Amounts to be used during testing €150 for long term options (CREDIT IN 5 MONTHS)
€2 for direct options (CREDIT and CASH)

If the authorisation request is refused, you can contact the Cetelem electronic banking hotline:

Tel. = 0 825 856 856 Monday to Saturday from 9 am to 6 pm

Email = monetique.hotline@cetelem.fr

Tests to be performed

In order to simulate the 2 possible payment processes for a CPay card payment, we advise you to test the following 2 payment options:

  • CASH
  • CREDIT IN 5 MONTHS GN (Paypage only)
End of tests

Having finished your tests, please send the validation report to monetique.hotline@cetelem.fr.

Managing your CPay transactions

Available cash operations

The following operations are available on CPay transactions:

Cash management
Cancellation V
Cancellation available on the total or partial amount of the transaction.
Validation V
Validation available on the total or partial amount of the transaction.
Refund V
Refund available on the total or partial amount of the transaction.
Duplication V The transaction created by duplication will necessarily be in CASH financing mode.

The diagram below informs you which cash management operation is available when a transaction is in a given state:


image too complex to be described, please contact the support

Refund

Refunds are processed online, for all types of payment options. These transactions can be refunded in instalments.


diagram showing the different statuses of a transaction

The transaction will go from the Captured status to the Credited status once it is full refund.

Viewing your CPay transactions

Reports

The reports provided by Mercanet 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 CPay 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 CPay transactions, the paymentMeanBrand field is populated with the value AURORE.

Mercanet Back Office

You can view your CPay transactions and perform various cash management operations with Mercanet Back Office.

Here are the details of a CPay transaction:



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