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Sommaire
Payment journey
*Steps 1 and 3 are performed via Axepta
** Eligibility is used to estimate the level of confidence assigned to a payment request by a customer.
This involves statistical processing of historical data relating to customer orders. Eligibility can be reassessed using information contained in the National Personal Credit Repayment Incident File (FICP).
Onboarding
After signing the contract
The merchant receives an email from 'Professional Services' Floa team, who will accompany him regarding FLOA implementation.
This team will be in charge of FLOA production plan .
Identifier : Sandbox/Production
Once the technical configuration has been completed, FLOA sends the merchant an Excel file (see below) containing the recipe and production identifiers.
The key data to be used in queries are the MerchandID and the MerchantSiteID.
You will find below a short recipe description and production identifiers.
| DATA | Detail | API AXEPTA Mapping |
|---|---|---|
| MerchandID | Merchant ID created by FLOA platform - Optional data | MerchantIDExt |
| MerchantSiteID | Unique identifier created by FLOA for each of the payment methods purchased by the merchant (3X/4X/manual capture/automatic capture) | PayType |
| MIN | Minimum customer Cart - Below this amount, payment cannot be made via FLOA | - |
| MAX | Maximum customer Cart - Beyond this amount, payment cannot be made via FLOA | - |
FLOA registration request on Axepta
Once the Excel file has been received, the merchant sends it to his BNP Paribas account manager specifying the Axepta MerchandID.
Sharing this element is imperative so that BNP Paribas teams can proceed with the MerchandID configuration.
Onboarding on merchant website
Implementation of FLOA regulatory principles
FLOA provides merchants with a set of regulatory and marketing resources necessary due to legal obligations and optimize the conversion rate.
More information: Regulatory and marketing resources (lien a revoir)
Once FLOA is integrated on the merchant site, the merchant contacts the marketing department of FLOA (marketing@floa.com) so that it can carry out the necessary checks to put in production.
FLOA must validate compliance with regulatory and marketing requirements in order to proceed with production environement.
Technical documentation
You will find the technical integration details in the following section: FLOA Pay Direct Integration - Documentation Axepta BNP Paribas - Axepta ( lien a revoir)
The FLOA Test contains test data as well as a step-by-step to perform a FLOA payment request
Recommendations
Standard case
You will find below the mandatory parameters to include in your request in order to calculate eligibility.
These parameters are used to calculate the customer score associated for each transaction.
| Paramètres | Description | Lien | Format minimal préconisé |
|---|---|---|---|
| Salutation | Gender | - | - |
| MaidenName | Maiden name - mandatory if Mrs Mrs | - | - |
| DateOfBirth | Date of birth | - | - |
| PlaceOfBirth | Département de naissance | - | - |
| CustomerHistory | Customer data | Customer History JSON Object | {
"firstOrderDate": "01/01/2023",
"lastOrderDate": "01/02/2023"
}
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| ProductDetails | Customer cart data | Product Details JSON Object | {
"categorie1": "Categorie 1 de produit",
"categorie2": "Categorie 2 de produit"
}
|
Travel/Tourism
In addition, if the merchant an activity related to tourism or travel, it is necessary to add the following parameters.
| Paramètres | Description | Lien | Format minimal préconisé |
|---|---|---|---|
| ProductDetails | Customer cart data | Product Details JSON Object | Use the following values :
{
"categorie1": "AIRLINE TICKET"
}
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| TravelDetails | Travel parameter: airline tickets, passport information, etc. | Travel Details JSON Object | {
"insurance": "AXA",
"travelType": "TwoWay",
"departureDate": "21/11/2022 12:20",
"returnDate": "14/12/2022 12:20",
"destinationCountry": "FR",
"ticketCount": 2,
"travellerCount": 2,
"travelClass": "Economy",
"ownTicket": 1,
"mainDepartureCompany": "CDG",
"departureAirport": "cdg",
"arrivalAirport": "dub",
"luggageSupplement": "1"
}
|
| StayDetails | Hotel services parameter | Stay Details JSON Object | {
"company": "Ibis",
"destination": "Dublin",
"roomRange": 2
}
|
Country
Depending on contracted countries, additional parameters are mandatory.
You will find below a summary table listing the specific parameters for each country.
| Paramètres API AXEPTA | Belgium | Spain | Italy | Portugal |
|---|---|---|---|---|
| Language | nl-BE en-BE | es-ES | it-IT | pt-PT |
| AddrCountryCode | BE | ES | IT | PT |
| PersonID | NA | Mandatory | Mandatory | Mandatory |
You will find test PersonIDs in the section: Test FLOA
Recipe
FLOA test recommendation and prerequisites
During your testing activities we invite you to check that:
- The MerchantIDExt and Paytype recipe fields are well informed.
- The value of the Amount field is between the minimum and maximum amount previously contractualized
- The value of the Amount field is the amount expressed in cents
- The ProductDetails and CustomerHistory fields contain base64-encoded JSON objects - Basics of Base64-encoding EN
- The AddrCountryCode parameter is populated
- The Language parameter corresponds to the country language
Mise en production
La mise en production se déroule selon les étapes suivantes :
- Validation fonctionnelle par FLOA
- L'équipe 'Professional Services' de FLOA, qui accompagne le commerçant dans la mise en place de FLOA, réalise un test jusqu’au paiement pour chaque solution intégrée sur le site marchand. Tous les produits seront testés.
- Ex : si le marchand a demandé du 3XG et 4XG, FLOA fera donc 1 test sur la solution 3XG et 1 test sur la solution 4XG.
- Validation Marketing par FLOA
- L'équipe Marketing de FLOA vérifie :
- Toutes les mises en avant de FLOA ou des solutions de paiement en plusieurs fois dans le parcours
- L’affichage des mentions légales dans les conditions générales de vente du commerçant
- L'équipe Marketing de FLOA vérifie :
- Mise en production par le commerçant
- Le commerçant ouvre FLOA sur son site marchand