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 PayButton means of payment integration into Worldline Sips.
Who does this document target?
This document is intended to help you implement the PayButton means of payment on your e-commerce site.
- 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 PayButton payments with Worldline Sips
PayButton is a mean of payment offered by the Belgian banks KBC and CBC allowing customers to pay by bank transfer.
When customers decide to pay via PayButton, they are redirected to the website of the online bank to authenticate themselves and than confirm the bank transfer.
Customers need to have a card reader.
|Internet||V||Default payment channel|
|Means of payment|
|Payment at the end of the day||X|
|Payment upon shipping||X|
|Payment in instalments||X|
|Multicurrency acceptance||X||EUR only|
|Currency settlement||X||EUR only|
PayButton KBC/CBC-ING means of payment characteristics
Those payment buttons have the following features:
- credit transfer
- euro only
- single message payment:
- no remittance
- no chargeback
- have a KBC/CBC banking account.
- have signed a KBC/CBC Online acceptance contract.
- customer :
- have a KBC/CBC banking account.
- have a KBC/CBC card reader.
- account holders login with their BCK/CBC card reader.
- real time online payment:
- online feedback:
- 3 feedback attempts with a delay of 3 minutes in case of online communication problems
- after three bad attempts, 3 feedback attempts with a delay of 2 hours
- in case of timeout from mainframe on the processing of the money transfer (very unusual), you have to check your account manually (only possible in cases when the beneficiary's account is the same as your account).
- online feedback:
Signing your PayButton acceptance contract
Signing your ING contract
You have to sign an ING Home’Pay acceptance contract and ING will provide you a VENDOR_ID.
You have to provide a technical password to ING Home’Pay.
You should also have an ING banking account and should subscribe to an online ING bank in order to check transfers.
Signing your KBC/CBC contract
KBC/CBC Online acquiring contracts are 2 distinct contracts, one for KBC bank and the other for CBC bank.
You should also have a KBC/CBC banking account.
Signing your Worldline Sips contract
You have to give to Worldline Sips your VENDOR_ID given by ING Home’Pay during the ING registration and the technical password you have given to ING Home’Pay.
Worldline Sips has an integrator identification for both KBC/CBC Online.
On your registration step, you should transfer the following data to Worldline Sips:
- merchant name
- merchant IBAN account number
- merchant BIC account number
Making a PayButton payment
You can offer the PayButton means 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 PayButton transaction is the immediate mode (the transaction remittance is executed at the time of the online payment acceptance).
The diagram below explains the different statuses by which ING transactions can be made according to the chosen capture mode:
The diagram below explains the different statuses by which KBC and CBC transactions can be made according to the chosen capture mode:
Making a PayButton payment with Sips Paypage
The payment process for Sips Paypage is described below:
Setting the payment request
No specific field required to submit a PayButton payment request.
For KBC-CBC, the statement reference is expected to be a numeric on 10 digits. If it does not, we send a different field to the acquirer; this field is composed as follow:
- Transaction date with format "MMdd” (4 characters), followed by
- Transaction id left padded with "0” (6 characters).
Example: 1121009453 where Transaction date is 21st of November and Transaction is = 9453.
Analysing the response
The following table summarises the different response cases to be processed:
|Status||Response fields||Action to take|
||You can deliver the order.|
||The authorisation is refused for a reason unrelated to
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||
||The customer has made several attempts that have all failed.|
|Refusal due to a technical issue||
||Temporary technical issue when processing the transaction. Suggest that your customer redo a payment later.|
For the complete response codes (
responseCode) and acquirer response
acquirerResponseCode), please refer
to the Data dictionary.
Making a PayButton payment with Sips Office
The PayButton means of payment acceptance is not available through the Sips Office solution.
Managing your PayButton transactions
Available cash operations
No transaction management operation is available with the PayButton mean of payment.
Viewing your PayButton transactions
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 PayButton transactions for each type of report is summarised in the table below:
Sips Office Extranet
You can view your PayButton transactions and perform various cash management operations with Sips Office Extranet.
Here are the details of PayButton transactions for KBC, CBC and ING: