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Franfinance 4X integration

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WL 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 Franfinance 4xWEB means of payment integration integration into WL Sips.

This document is intended to help you implement the Franfinance 4xWEB 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 WL Sips solution, we advise you to consult the following documents:

  • Functional presentation
  • Functionality set-up guide

Specialised in consumer credit, the French company Franfinance 4xWEB is a solution reserved for private persons of legal age holding a credit card valid for at least 3 months after contract signing date for payment in instalments and the use of which is not subject to a systematic authorisation request (especially Visa Electron and Maestro cards).

With this solution, customers pay for their online purchases in 3 or 4 installments.

During a Franfinance 4xWEB payment, customers complete their personal data as well as credit card details.

At the end of the entry, they are informed online of the request result.

Payment channels
Internet V Default payment channel
MOTO X
Fax X
IVS X
Means of payment
Immediate payment X
End-of-day payment V Default method
Deferred payment V
Payment upon shipping V
Payment in instalments X
Subscription payment X
Batch payment X
OneClick payment X
Currency management
Multicurrency acceptance X Payment in Euros only (978)
Currency settlement X Payment in Euros only (978)

The pages for this means of payment are managed and hosted by Franfinance.

A first page allows the customer to complete the data necessary for his 4xWEB subscription.

Following the validation of the latter, the customer will be offered to enter his card information in order to initiate the payment:

  • his card number
  • his card expiry date
  • his card security code

If any of these data are missing or invalid, or if the card number entered is not in range, an error message is displayed and a new entry is requested.

The WL Sips standard operation applies: the entry attempts number is limited; an error code is returned if the number of attempts is exceeded:

Following the payment completion, a ticket page showing the transaction result is displayed to the customer. This ticket has a "return shop" button allowing to navigate back to your website with the Franfinance 4xWEB payment response.

The Sips Paypage standard options apply: this ticket can be deactivated at your request. If you place the bypassReceiptPage ticket option, the ticket is not displayed. The customer is redirected straight to your website.

Depending on the authorisation request result, different messages will be displayed on the ticket for customers.

If the customer does not return to your merchant website (case of a disruption in the payment process), an automatic response will be sent to you with the transaction result up to 24 hours after the payment began. Generally, the delay is between 30 minutes and 1 hour.

In order to offer the Franfinance 4xWEB means of payment on your website, you have to sign an acceptance contract with Franfinance. Thereafter, you transmit us the contract number for recording in our information system.

You can offer the Franfinance 4xWEB means of payment through the Sips Paypage which directly acts as the payment interface with customers via their web browser.

The remittance modes available for a Franfinance 4xWEB 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:


Description of the possible statuses for a Franfinance 4xWEB transaction

In validation mode (captureMode = VALIDATION), if the transaction is accepted, it is set to status TO_VALIDATE. In cancellation mode (captureMode = AUTHOR_CAPTURE), if the transaction is accepted, it is set to TO_CAPTURE status. If the transaction is waiting for confirmation of authorisation (responseCode equal to 00 or 60), it is set to status TO_CONFIRM_CAPTURE. Regardless of the capture mode, if the transaction is refused (responseCode not equal to 00 and 60), it is set to status REFUSED.

The payment process for Sips Paypage is described below:


Steps of a Franfinance 4xWEB payment via Paypage

1) The customer proceeds with the payment. 2) They are redirected to the means of payment selection page hosted by WL Sips, they select Franfinance 3xWEB or Franfinance 4xWEB and enter their card number. 3) They are redirected to the Franfinance 3xWEB or Franfinance 4xWEB page where they authenticate themselves. 4) They are redirected to a WL Sips page. 5) If they click on the back to eshop button, they are redirected to your website which triggers the manual response to be sent. 6) WL Sips sends an automatic response.

The existing paymentMeanBrandList field must be populated with the means of payment list offered to the customer and specifically the Franfinance means of payment.

Specific information is required for a Franfinance 4xWEB payment request:

Field name Remarks/rules
captureDay Franfinance recommends setting the value to 0.
captureMode Tհe value sent in the request is ignored.
The capture mode is forced to AUTHOR_CAPTURE.
currencyCode Mandatory: EUR only (978)
customerId Optional.
Customer identifier.
customerIpAddress Optional.
Customer IP address.
bypassReceiptPage Optional.
Indicates that you want to bypass the ticket type pages.
paymentPattern Tհe value sent in the request is ignored.
The payment type is forced to ONE_SHOT.

customerAccountHistoric

Field name Remarks/rules
customerAccountHistoric.creationDate Optional.
Creation date.
With the customerAccount container, the customer account creation date on your website is used to calculate the date of the account.
customerAccountHistoric.numberOfAttemptsAddCard24Hours Optional.
Number of separate cards used by your customer account in the last 24 hours.
customerAccountHistoric.numberOfPurchase Facultatif.
Number of separate purchase performed by the customer on the merchant site.
customerAccountHistoric.numberOfPurchase180Days Optional.
Number of purchases made on your customer account over the last six months (last 180 days).
customerAccountHistoric.numberOfTransaction24Hours Optional.
Number of cancelled or successful transactions in the last 24 hours on the customer account.
customerAccountHistoric.suspiciousActivityIndicator Optional.
Indicates whether suspicious activity is detected on your customer account.

customerAddress

Field name Remarks/rules
customerAddress.streetNumber Optional.
Customer street number.
customerAddress.street Mandatory
customerAddress.addressAdditional1 Optional
customerAddress.addressAdditional2 Optional
customerAddress.addressAdditional3 Optional
customerAddress.zipCode Mandatory
customerAddress.city Mandatory
customerAddress.country Optional.
Address country code.

customerContact

Field name Remarks/rules
customerContact.email Mandatory
customerContact.gender Optional.
Possible values: male (M) or female (F).
customerContact.lastName Mandatory
customerContact.maidenName Optional
customerContact.firstName Mandatory
customerContact.mobile Field mobile or field phone mandatory
customerContact.phone Field mobile or field phone mandatory
customerContact.title Optional.
Contact title.
M for mister, Mme for madam
customerContact.legalId Optional.
Establishment national identifier (SIRET for France).
This data applies to you and to the customer (see Contact fields).
customerContact.positionOccupied Optional.
Occupied position.

customerData

Field name Remarks/rules
customerData.birthCity Optional
customerData.birthDate Optional.

In the YYYYMMDD format.

customerData.birthZipCode Optional.
No code if born abroad.
Note: Corsica covers two metropolitan departments (2A and 2B) which should be under department code 20.
customerData.birthCountry Optional.
Birth country code.
customerData.nationalityCountry Optional.
Nationality country.
customerData.maidenName Optional
customerData.IpAddressDatetime Optional

billingAddress

Field name Remarks/rules
billingAddress.streetNumber Optional.
Address street number.
billingAddress.street Optional.
Address street name.
billingAddress.addressAdditional1 Optional.
Additional address 1.
billingAddress.addressAdditional2 Optional.
Additional address 2.
billingAddress.addressAdditional3 Optional.
Additional address 3.
billingAddress.zipCode Optional.
Address zip code.
billingAddress.city Optional.
Address city.
billingAddress.country Optional.
Contact country

billingContact

Field name Remarks/rules
billingContact.email Optional.
Contact email.
billingContact.mobile Optional.
Contact mobile phone number.
billingContact.phone Optional.
Contact phone number.
billingContact.title Optional.
Contact title.
M for mister, Mme for madam
billingContact.lastname Optional.
Contact last name.
billingContact.firstname Optional.
Contact first name.
billingContact.gender Optional.
Gender of contact, male (=M) or female (=F).
billingContact.businessName Optional.
Business name.
billingContact.company
Optional.
Contact company.
billingContact.legalId Optional.
Establishment national identifier (SIRET for France).
This data applies to you and to the customer (see Contact fields).
billingContact.positionOccupied Optional.
Occupied position.

deliveryAddress

Field name Remarks/rules
deliveryAddress.streetNumber Optional.
Address street number.
deliveryAddress.street Optional.
Address street name.
deliveryAddress.addressAdditional1 Optional.
Additional address 1.
deliveryAddress.addressAdditional2 Optional.
Additional address 2.
deliveryAddress.addressAdditional3 Optional.
Additional address 3.
deliveryAddress.zipCode Optional.
Address zip code.
deliveryAddress.city Optional.
Address city.
deliveryAddress.country Optional.
Address country.
deliveryAddress.addressCreationDate Optional.
Address creation date.
deliveryAddress.addressStatus Optional.
Previous successful or unsuccessful delivery.

deliveryContact

Field name Remarks/rules
deliveryContact.email Optional.
Contact email.
deliveryContact.mobile Optional.
Contact mobile phone number.
deliveryContact.phone Optional.
Contact phone number.
deliveryContact.title Optional.
Contact title.
M for mister, Mme for madam
deliveryContact.lastname Optional.
Contact last name.
deliveryContact.maidenName Optional
deliveryContact.firstname Optional.
Contact first name.
deliveryContact.gender Optional.
Gender of contact, male (=M) or female (=F).
deliveryContact.businessName Optional.
Business name.
deliveryContact.company Optional.
Contact company.
deliveryContact.legalId Optional.
Establishment national identifier (SIRET for France).
This data applies to you and to the customer (see Contact fields).
deliveryContact.positionOccupied Optional.
Occupied position.

deliveryData

Field name Remarks/rules
deliveryData.deliveryChargeAmount Optional.
Total charge of the order delivery.
deliveryData.deliveryMethod Optional.
The chosen delivery method (standard, priority, ...).
deliveryData.deliveryMode Optional.
Delivery mode (post office, relay point, ...).
deliveryData.deliveryOperator Optional.
Name of the operator making the delivery.
deliveryData.electronicDeliveryIndicator Optional.
Indicates whether the delivery is in an electronic mode.
deliveryData.estimatedDeliveryDate Optional.
Your estimated delivery date.
deliveryData.estimatedDeliveryDelay Optional.
Your estimated delivery delay (in number of days).

fraudData

Field name Remarks/rules
fraudData.productAvailabilityIndicator Optional.
Availability of the products.
fraudData.reorderProductIndicator Optional.
Indicates whether the product has already been ordered.

orderContext

Field name Remarks/rules
orderContext.customerbrowserType Optional.
Type of browser used by the customer.
Example: Explorer 9.5, MSN IE 9, MSN IE 10, MSN IE 11, etc.
orderContext.customerHostName Optional.
Name of the server on which the customer is connected.
Example: PHX.QW.AOL.COM.

paymentMeanData

Field name Remarks/rules
paymentMeanData.franfinance4xcb.authenticationKey Mandatory.

Channel provided by Franfinance.

paymentMeanData.franfinance4xcb.birthPlaceCode Optional.

Restricted value domain: - 1: France - 2: other

paymentMeanData.franfinance4xcb.pageCustomizationCode Optional
paymentMeanData.franfinance4xcb.redirectionTimer Optional.

Value domain: 0 to 300

paymentMeanData.franfinance4xcb.testEnvironment Optional.

Test only

paymentMeanData.franfinance4xcb.conversionCurrency Optional
paymentMeanData.franfinance4xcb.convertedAmount Optional

shoppingCartDetail

Attention: shoppingCartItemList is a complex object.
Please refer to the inegration guide of the connector you have chosen to integrate to learn you to implement this field.
Field name Remarks/rules
shoppingCartDetail.mainProduct Optional.
Most expensive product in the basket.
shoppingCartDetail.shoppingCartItemList.itemX.productCategory Optional.
Category of the ordered product (e.g. digital).
shoppingCartDetail.shoppingCartItemList.itemX.productCode Optional.
Code of the ordered product.
shoppingCartDetail.shoppingCartItemList.itemX.productDescription Optional.
Detailed description of the ordered product.
shoppingCartDetail.shoppingCartItemList.itemX.productName Optional.
Name of the ordered product.
shoppingCartDetail.shoppingCartItemList.itemX.productQuantity Optional.
Quantity of products in the basket.
shoppingCartDetail.shoppingCartItemList.itemX.productSKU Optional.
The product identifying code populated by you and returned in the response without modification.
shoppingCartDetail.shoppingCartItemList.itemX.productTaxRate Optional.
Tax rate applied to the product. For decimal numbers, use a point instead of a comma.
shoppingCartDetail.shoppingCartItemList.itemX.productUnitAmount Optional.
Unit amount of the product.
The amount must be transferred in the smallest currency unit.
shoppingCartDetail.shoppingCartItemList.itemX.productUnitTaxAmount Optional.
Amount of tax on the product (per unit).
The amount must be transferred in the smallest currency unit.
shoppingCartDetail.shoppingCartTotalAmount Optional.
Total amount of the basket (taxes included).
The amount does not include fees, discounts or charges.
shoppingCartDetail.shoppingCartTotalQuantity Optional.
Total quantity of items in the basket.
shoppingCartDetail.shoppingCartTotalTaxAmount Optional.
Total amount of the basket taxes.

travelContext

Field name Remarks/rules
travelContext.airlineCarrierList Optional.
List of air carriers.
travelContext.departureDate Optional.
Departure date.
travelContext.destinationAirport Optional.
Airport of destination.
travelContext.fareBasis Optional.
Transport rate basis. Example: business class, economy class, ...
travelContext.numberOfAirlinesCarriers Optional.
Number of air carriers.
travelContext.numberOfPassengers Optional.
Number of passengers.
travelContext.numberOfRoutingCities Optional.
Number of cities on the route.
travelContext.originAirport Optional.
Airport of origin.
travelContext.passengerName Optional.
Passenger's name.
travelContext.reservationCode Optional.
Reservation code.
travelContext.routingCityList Optional.
List of cities on the route.

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 = FRANFINANCE_4X
paymentMeanType = ONLINE_CREDIT
You can deliver the order.
Pending transation acquirerResponseCode = 60 We are waiting for the authorization confirmation.
From there, the confirmation batch will automatically update the transaction as soon as a final response is obtained.
Acquirer refusal acquirerResponseCode = (cf. the Data Dictionary). 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.

The Franfinance 4xWEB means of payment acceptance is not available through the Sips Office solution.

The following operations are available on Franfinance 4xWEB transactions:

Cash management
Cancellation V
Validation V
Refund V
Duplication X
Credit X

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


Diagram very complex to describe, please contact support sips@worldline.com

The reports provided by WL 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 Franfinance 4xWEB 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 Franfinance 4xWEB transactions, the paymentMeanBrand field is populated with the value FRANFINANCE_4X.

This is to provide a daily report reconciling:

Transactions sent by Franfinance (debit and/or credit remittance), on the one hand, and transactions made on SIPS, on the other hand.

Each file contains, among other things, the transactions credited or debited to your accounts. Each file is global for all merchants.

WL Sips receives these files and reconcile them with to the remitted transactions (debits and credits).

From this reconciliation, WL Sips sends you a "Reconciliations report". Sending the Reconciliations report is not synchronised with the Franfinance files processing.

This type of report allows to have a genuine information as to the actual payment remittance or the Franfinance financing.

In order to define the reconciliation status, two delays (after the WL Sips remittance date) are defined:

  • a 30-days delay is the normal length on which a transaction must be reconciled.
  • a 40-days delay is the maximum post-transaction date period during which a transaction can be reconciled. Beyond this delay, the transaction is no longer "reconcilable".

The delay between 30 and 40 days corresponds to the time interval on which Franfinance will have to analyse the cause of the non-reconciliation. When the 40 days are up, the transaction will be considered as not reconciled.

After analysing the reconciliation criteria defined above, the different possible reconciliation statuses are as follows:

Transaction status Merchant decision / Franfinance information
File presence MATCH_OK MATCH_INFO (Franfinance indicates a delivery info)
File absence 30 days MATCH_WARNING ≤ 40 days (**) 40 days < MATCH_ERROR (**)

Details pertaining to transactions accepted during contract review are compared with transactions processed by WL Sips.

Details of an operation that corresponds to a transaction are kept and reported in the Reconciliations report. This one is sent to the customer.

The reconciliation status for this transaction becomes MATCH_OK.

If Franfinance mentions a particular warning for this transaction, the status, certainly "matched" technically, becomes MATCH_INFO.

For this type of status, the SPECIFIC_DATA column of the Reconciliations report makes it possible to know the reason for the warning.

Franfinance code provided in RGI and returned to the merchant in the SPECIFIC_DATA column Technical status conveyed in the Reconciliations report
00 - Financing guaranteed - Delivery MATCH_OK
00 – Refund considered MATCH_OK
02 - Financing refused- Do not deliver MATCH_INFO
03 – Transaction cancellation – Do not deliver MATCH_INFO
XX - Other free wordings (not starting with 00) MATCH_INFO
YY - Other free wordings (not starting with 00) MATCH_INFO

Transactions remitted and not credited to your account are subject to analysis.

The reconciliation status of transactions that have a payment date of more than 30 days and the status of which is still MATCH_WAIT will become MATCH_WARNING.

Similarly, the status of transactions with a MATCH_WARNING status and with a payment date of more than 40 days will become MATCH_ERROR.

A report of the reconciliation anomalies is then generated for analysis.

You can view your Franfinance 4xWEB transactions and perform various cash management operations with Sips Office Extranet.



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