Contents
Document history
Date | Name | Change |
|---|---|---|
02.03.2020 | Peter Posse | Original version |
About Cetelem Presto
General information about Cetelem Presto
| Presto is an online credit solution, facilitated by Cetelem as part of BNPP Personal Finance. With this means of payment, merchants provide the financing capability for major purchases, to their customers, who can further pay by installments, ranging between 4-48 installments and order amount ranging between €150 to €16,000. Consumers can purchase directly online on the merchant online stores supporting Cetelem Presto as payment method, proceeding the necessary step including e-signature on the BNP PF credit application form. The approval can be instant for complete applications or within 48 hours for incomplete credit applications. |
Process flow chart
Payment platform interface
Data formats: Format Description a alphabetical as alphabetical with special characters n numeric an alphanumeric ans alphanumeric with special characters ns numeric with special characters bool boolean expression (true or false) 3 fixed length with 3 digits/characters ..3 variable length with maximum 3 digits/characters enum enumeration of allowed values dttm ISODateTime (YYYY-MM-DDThh:mm:ss) Abbreviations: Abbreviation Description CND condition M mandatory O optional C conditional Notice: Please note that the names of parameters can be returned in upper or lower case.Definitions
Payment with Cetelem Presto via Payment platform form interface
To make a payment with Cetelem Presto, please use the following URL:
Notice: For security reasons, Payment platform rejects all payment requests with formatting errors. Therefore please use the correct data type for each parameter.
Notice: Please keep in mind that a session expires within 60 minutes. An iFrame integration is not recommended.
The following table describes the encrypted payment request parameters:
Parameter | Format | CND | Description |
|---|---|---|---|
MerchantID | ans..30 | M | ID of merchant. Additionally this parameter has to be passed in plain language too. |
TransID | ans..64 | M | Merchant's transaction number, which shall be unique for each payment |
RefNr | an12 | M | Supplementary transaction identifier. Only the following characters are allowed:
Notice: If RefNr is not present, TransID will be used instead. Therefore in such case TransID should meet format and length of RefNr. |
Amount | n..10 | M | Amount in the smallest currency unit (e.g. EUR Cent) Please contact the helpdesk, if you want to capture amounts <100 (smallest currency unit). |
Currency | a3 | M | Currency, three digits DIN / ISO 4217. Only EUR is permissible. |
MAC | an64 | M | Hash Message Authentication Code (HMAC) with SHA-256 algorithm |
URLSuccess | ans..256 | M | Complete URL which calls up Payment platform if payment has been successful. The URL may be called up only via port 443 This URL may not contain parameters: In order to exchange values between Payment platform and shop, please use the parameter UserData. |
URLFailure | ans..256 | M | Complete URL which calls up Payment platform if payment has been unsuccessful. The URL may be called up only via port 443 This URL may not contain parameters: In order to exchange values between Payment platform and shop, please use the parameter UserData. |
Response | a7 | O | Status response sent by Payment platform to URLSuccess and URLFailure, should be encrypted. For this purpose, transmit Response=encrypt parameter. |
URLNotify | ans..256 | M | Complete URL which Payment platform calls up in order to notify the shop about the payment result. The URL may be called up only via port 443 It may not contain parameters: Use the UserData parameter instead. |
UserData | ans..1024 | O | If specified at request, Payment platform forwards the parameter with the payment result to the shop |
ReqID | ans..32 | O | To avoid double payments, enter an alphanumeric value which identifies your transaction and may be assigned only once. If the transaction is submitted again with the same ReqID, the payment platform will not carry out the payment, but will just return the status of the original transaction. Please note that the payment platform must have a finalized transaction status for the first initial action. Submissions with identical ReqID for an open status will be processed regularly. |
Plain | ans..50 | O | A value to be set by the merchant to return some information unencrypted, e.g. the MID |
Custom | ans..1024 | O | The merchant can submit several values separated by | which are returned unencrypted and separated by &. Custom=session=123|id=456 will change in the answer to Session=123&id=456 |
| Language | a2 | O | Language of Cetelem page. Possible values: FR |
| GoodsCategory | n3 | M | Category of the good(s). Possible values are shown in the table below. Note: Payment platform does not make any validation and act as a forwarder for this parameter.
|
| InstallmentAmount | n..10 | O | monthly rate |
| InstallmentNumber | n..2 | O | Number of month of the payment by installments (1-48) |
| Customer information | |||
| Salutation | ans..10 | O | Salutation. Values accepted: Mr/MR, Mrs/MME, Miss/MLE |
| FirstName | ans..23 | M | First name of the customer |
| LastName | ans..23 | M | Last name of the customer |
| MaidenName | ans..30 | O | Maiden name of the customer |
| DateOfBirth | ns10 | O | Date of birth within format YYYY-MM-DD |
| NatIdentNr | ans..20 | O | National identification |
| Phone | a8..15 | O | Phone number (fixed network) |
| MobileNr | a8..15 | O | Phone number (mobile) |
| ans..49 | M | E-Mail-Address of the customer | |
| AddrStreet | ans..32 | M | Street name and street number |
| AddrStreet2 | ans..32 | O | Address addition |
| AddrZIP | n5 | M | Postal code |
| AddrCity | ans..30 | M | Town/city |
| WorkPhone | ans..10 | O | Phone number (business) |
The following table describes the result parameters that the Payment platform transmits to your URLSuccess, URLFailure or URLNotify. If you have specified the Response=encrypt parameter, the following parameters are forwarded Blowfish encrypted to your system:
Parameter | Format | CND | Description |
|---|---|---|---|
MID | ans..30 | M | ID of merchant, assigned by BNP |
PayID | an32 | M | ID assigned by Payment platform for the payment, e.g. for referencing in batch files |
XID | an32 | M | ID for all single transactions for one payment assigned by Payment platform |
TransID | ans..64 | M | Merchant’s transaction number |
RefNr | an12 | M | Supplementary transaction identifier. Only the following characters are allowed:
Notice: If RefNr is not present, TransID will be used instead. Therefore in such case TransID should meet format and length of RefNr. |
Status | a..30 | M | OK or AUTHORIZE_REQUEST in the case of URLSuccess and FAILED in the case of URLFailure |
Description | ans..1024 | M | Further details in the event that payment is rejected. Please do not use the Description but the Code parameter for the status analysis! |
Code | n8 | M | Error code according to Payment platform Response Codes Excel file |
MAC | an64 | M | Hash Message Authentication Code (HMAC) with SHA-256 algorithm |
UserData | ans..1024 | O | If specified at request, Payment platform forwards the parameter with the payment result to the shop |
TransactionID | ans..32 | M | Cetelem contract number |
| CodeExt | ans..256 | O | External error code |
| ErrorText | ans..256 | O | Description of external error code |
Plain | ans..50 | O | A value to be set by the merchant to return some information unencrypted, e.g. the MID |
Custom | ans..1024 | O | The merchant can submit several values separated by | which are returned unencrypted and separated by &. Custom=session=123|id=456 will change in the answer to Session=123&id=456 |
Credit with reference
Credits (refunds) are possible via a Server-to-Server connection. For a Credit with reference to a capture the amount of the Credit is limited to the amount of the previous capture.
To carry out a credit with a reference transaction, please use the following URL:
Notice: For security reasons, Payment platform rejects all payment requests with formatting errors. Therefore please use the correct data type for each parameter.
The following table describes the encrypted payment request parameters:
Parameter | Format | CND | Description |
|---|---|---|---|
MerchantID | ans..30 | M | ID of merchant. Additionally this parameter has to be passed in plain language too. |
PayID | an32 | M | ID assigned by Payment platform for the payment to be credited |
TransID | ans..64 | M | Merchant transaction number, which should be unique for each payment |
Amount | n..10 | M | Amount in the smallest currency unit (e.g. EUR Cent) Please contact the helpdesk, if you want to capture amounts < 100 (smallest currency unit). |
Currency | a..3 | M | Currency code, three digits DIN / ISO 4217 |
MAC | an64 | M | Hash Message Authentication Code (HMAC) with SHA-256 algorithm |
ReqID | ans..32 | O | To avoid double payments, enter an alphanumeric value which identifies your transaction and may be assigned only once. If the transaction is submitted again with the same ReqID, the payment platform will not carry out the payment, but will just return the status of the original transaction. Please note that the payment platform must have a finalized transaction status for the first initial action. Submissions with identical ReqID for an open status will be processed regularly. |
The following table describes the Payment platform response parameters:
Parameter | Format | CND | Description |
|---|---|---|---|
MID | ans..30 | M | ID of merchant, assigned by BNP |
PayID | an32 | M | ID assigned by Payment platform for the payment, e.g. for referencing in batch files |
XID | an32 | M | ID for all single transactions (authorisation, capture, credit note) for one payment assigned by Payment platform |
TransID | ans..64 | M | Merchant’s transaction number |
Status | a..30 | M | OK or FAILED |
Description | ans..1024 | M | Further details in the event that payment is rejected. Please do not use the Description but the Code parameter for the transaction status analysis! |
Code | n8 | M | Error code according to Payment platform Response Codes Excel file |