Discover the additional features of Axepta BNP Paribas Online designed to optimize your payment processes. These innovative tools enhance security and enable you to offer a seamless and secure payment experience.

 Automatic End-to-End Reference (RefNr) Generation

Each transaction benefits from a unique automatically generated reference, ensuring complete traceability and clear identification of each operation.

Benefits

• Optimal Traceability: Track each transaction throughout its lifecycle.
• Compliance with Standards: The 'an12' format (12 alphanumeric characters) ensures smooth and compliant processing.
• Guaranteed Uniqueness: Axepta BNP Paribas Online ensures that each reference is unique, avoiding conflicts and errors.

Best Practices

• Automatic Generation: The reference is automatically generated by Axepta BNP Paribas Online to guarantee its uniqueness.
• Optional Customization: You can also provide your own reference, provided it complies with the format and ensures its uniqueness.

Wallet / Customer Vault: Simplify Card Reuse During the Checkout

Offer your customers a fast and secure payment experience with the Wallet / Customer Vault feature. This solution allows storing bank card information for reuse during future payments (One-Click), simplifying transactions.

Benefits

• Time Savings: Customers benefit from a simplified and fast checkout.
• Enhanced Security: Compliance with SCA (Strong Customer Authentication) standards for optimal protection.
• Flexibility: Customers can manage their stored cards and easily add new ones.

Features

• Storing the First Card

  • During card payment, if the merchantCustomerId is provided, a check is performed to determine if a card is already stored.
  • If no card is stored, a payment form appears with the option "Save card".
  • The customer must check the consent box for their card data to be saved after payment.
  • Each new card added and stored is subject to renewed authentication to comply with SCA standards.

• Payment from a Pre-registered Card

  • During subsequent uses, if the merchantCustomerId is provided and a card is stored, the customer sees its pre-selected card.
  • The customer enters its CVV code, which is never stored for security reasons.
  • The customer has the option to delete the stored card at any time.

• Payment from a New Card

  • When the customer is on the card payment page, he see its pre-registered card.
  • He also has the option to pay with a new card by clicking a dedicated button and saving this new card.

Duplication Check: Avoid Redundant Payments

Duplication Check in Axepta BNP Paribas Online is designed to detect and manage duplicate payment attempts, ensuring that users and merchants do not accidentally trigger multiple payments with identical parameters.

Benefits

• Avoid Errors: Reduce the risk of duplicate payments due to user interaction errors or merchant-side logic issues.
• Improve Customer Experience: Provide a smooth and error-free payment experience.
• Optimize Transaction Management: Simplify payment management and reduce costs associated with redundant transactions.

Features

• Operation

  • Duplicate checks are triggered before displaying the payment page and between payment pages.
  • If a duplicate is detected, the user is redirected to the failure URL.
  • No payment is submitted if the request matches an existing or ongoing transaction.

• Data

  • Duplicate control is based on the following data: amount, currency, merchantReference, and/or invoiceId
    • merchantReference: This data must be used to identify the order; it is defined by the merchant.
    • invoiceId: The invoice identifier associated with this payment; it is defined by the merchant.
  • Historical Depth: 1 hour to 4 days (in hours)
  • Scope: 1 or more MIDs

• Implementation

  • Option 1: Payment made via the Hosted Payment Page (HPP) or the card payment form (payssl)
  • Option 2: Duplicate Verification via API