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.
- 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
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.
|Internet||V||Default payment channel|
|Means of payment|
|Payment upon shipping||X|
|Payment in instalments||X|
|Multicurrency acceptance||X||EUR only|
|Currency settlement||X||EUR only|
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:
|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|
||You can deliver the order.|
||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.|
||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 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:
|Cancellation||X||The operation is not available because a transfer cannot be cancelled.|
The diagram below explains which cash management operation is available when a transaction is in a given status:
Viewing your iDEAL transactions
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:
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: