PFConnect is an online credit payment solution tailored for French consumers, enabling financing for purchases ranging from €150 to €16,000 with flexible installment plans of 4 to 48 months. After redirection to PFConnect's secure web pages, your customers can choose their preferred financing option and complete an instant credit application – including e-signature – online. Once approved, PFConnect pays you the full amount upfront, while the customer repays PFConnect over the selected installment plan.

This payment method is ideal if you want to offer consumer financing options for higher-value transactions on your e-commerce platform.

Get started

To begin accepting PFConnect payments on your online store, follow these steps:

  1. Contact the Axepta support to enable PFConnect for your merchant profile.

  2. PFConnect uses a two-step process – quotation calculation and authorization. Each step corresponds to a different integration method as detailed below.

Integration options

PFConnect payments are supported through the following integration types:

Direct integration – Quotation calculation

Use Direct integration to present financing options before redirecting the customer to PFConnect:

  • Retrieve available financing products and simulate installment plans by initiating Create payment with: 

    {
  ...
  "paymentMethods": {
    "type": "PFCONNECT",
    "integrationType": "DIRECT",
    "pfConnect": {
      "merchantCountryCode": "FR",
      "financialProductId": "7947",
      "shoppingBasketAmount": 100000,
      "downPaymentAmount": 10000,
      "deliveryDate": "2025-05-01"
    }
  }
}

  • Response: Returns a paymentMethods.pfConnect.financingScenarioDetail parameter containing JSON-formatted data with all available quotation options.
  • Your action: Parse and display these financing scenarios on your frontend for customer selection.

Hosted forms — Payment authorization

Once the customer selects a financing option:

  • Redirect the customer to PFConnect's application form via Hosted Forms. To do this, initiate Create payment with the payId that you received in the response to Quotation Calculation request. You should pass this in the parameter referencePayId. Additionally you should pass the payment method specific object as below: 

    {
  ...
  "referencePayId": "44507dcf3f8c496daa40629976f554bf", //Received in the response of Quotation Calculation request
  "paymentMethods": {
    "type": "PFCONNECT",
    "integrationType": "HOSTED",
    "pfConnect": {
      "aboId": "AXEPL61Y4OYTS8J6",
      "applicationDate": "2025-04-15",
      "deliveryDate": "2025-05-01",
      "quotationId": "1695889682163-10-1-167629-NC-30",
      "financialProductId": "7947",
      "customerRole": "CUSTOMER"	
    }
  }
}

  • Customer experience: Customer completes personal details and e-sign the contract directly on PFConnect’s website.

  • Settlement: Once approved, Axepta BNP Paribas receives a success response and you are paid the full purchase amount by PFConnect.

Reverse payment

You can reverse a PFConnect payment before it has been captured using the Reverse payment endpoint.

Capture payment

You can capture a PFConnect payment using the Capture payment endpoint.

Refund payment

To refund a customer after the payment has been settled, use the Refund payment endpoint.