Intersolve
1. Introduction
Intersolve is an acquirer/issuer specialised in the development, supply and processing of transaction solutions for gift cards and e-vouchers (amongst others).
This guide explains the specifics of the payment process for Intersolve.
2. Payment process
In the Intersolve gift cards payment process, one order can be paid for by more than one gift card, generating several payments for one order.
If the full order amount is not covered by one gift card, the customer can choose to pay the remaining amount by using another gift card, or via iDEAL, VISA, MasterCard or American Express. There is currently no limit on the number of gift cards a customer can use to pay for an order. So it is possible a customer pays for an order with several gift cards to match the order amount.
2.1 Possible payment steps
On the secure payment page, after selecting the gift card he chooses to pay with, the customer will see an indication of the already processed amount and of the amount that still needs to be paid (remaining amount).
If the customer's gift card covers the full amount, he will see the transaction result after entering his gift card details and clicking the "Continue" button.
If the customer's gift card does not cover the full amount, he can pay the remaining amount with another gift card or with iDEAL, VISA, MasterCard or American Express. The details of the first part of his payment (the amount and the masked card number he used) are displayed on the secure payment page.
In the example below, the customer paid 1.00 EUR of the 20.00 EUR with his gift card and now still has to pay 19.00 EUR either with another gift card or with iDEAL, VISA, MasterCard or American Express.
If the customer pays the remaining amount with another gift card, he will see the transaction result after entering his gift card details and clicking the "Continue" button.
If he pays the remaining amount with a credit card (VISA, MasterCard, American Express), he will see the transaction result after entering his card details and clicking the "Yes, I confirm my order" button.
If he chooses to pay the remaining amount with iDEAL he will be forwarded to the iDEAL bank selection page where he can select his bank and continue to his bank’s website for the payment.
2.2 Transaction view
When you look up an Intersolve transaction via "View Transactions" in your Worldline Account, you will see that one transaction (PAYID/OrderID) can hold several payments.
In the following example screenshot a customer has paid the transaction amount of 25.00 EUR with three different gift cards: two payments of 10.00 EUR and one payment of 5.00 EUR.
The Charge Method column contains the brand name of the specific Intersolve gift card/e-voucher.
3. Payment methods
As soon as one or more Intersolve giftcards are fully enabled in your Worldline account, they will automatically appear on your payment page.
If however you have chosen to offer your payment methods in a selection screen on your own site, allowing the customer to be redirected directly to the correct payment method, you need to make use of the PM and BRAND parameters.
The following table shows the values you can submit with the PM and BRAND parameters for every available Intersolve giftcard:
| Giftcard | PM | BRAND |
|---|---|---|
| Aktiesport | Intersolve | Aktiesport e-gift card |
| Aktiesport Cadeaukaart | Intersolve | Aktiesport |
| ANWB Cadeaucard | Intersolve | ANWB |
| Baby Giftcard | Intersolve | Babygiftcard |
| Bart Smit cadeaucard | Intersolve | Bartsmit |
| Beauty & Parfum Cadeau | Intersolve | Beauty & Parfum Cadeau |
| Bedrijfsfietspas | Intersolve | Bedrijfsfietspas |
| Blokker Cadeaukaart | Intersolve | Cadeaukaart |
| Bruna Cadeaukaart | Intersolve | Bruna |
| Cadeaupas | Intersolve | Cadeaupas |
| Cook&Co Cadeaukaart | Intersolve | CookandCo |
| CoolCat Giftcard | Intersolve | CoolCat |
| De Librije Cadeaukaart | Intersolve | Librijewinkel cadeaukaart |
| De Nationale Boekenbon | Intersolve | Boekenbon |
| Duifhuizen Cadeaukaart | Intersolve | Duifhuizen |
| EYE Giftcard | Intersolve | EYE |
| Fatboy Giftcard | Intersolve | FatboyGiftcard |
| Fletcher Hotel Gift Card | Intersolve | Fletcher |
| Gall & Gall Kadokaart | Intersolve | Gall & Gall Kadokaart |
| Grapy.nl Giftcard | Intersolve | GRAPY |
| HEMA Cadeaukaart | Intersolve | Hema |
| Intertoys Giftcard | Intersolve | Intertoys Giftcard |
| Jewel Card | Intersolve | Jewelcard |
| KELLY GiftCard | Intersolve | Kelly Giftcard |
| Leen Bakker Cadeaukaart | Intersolve | LeenBakker |
| Lief Kadokaart | Intersolve | Lief Cadeaukaart |
| Loods 5 Cadeaukaart | Intersolve | Loods 5 Cadeaupas |
| Maxitoys Giftcard | Intersolve | Maxitoys Giftcard |
| Mr. Ticket Cadeaukaart | Intersolve | mrticket |
| Nationale Bioscoopbon | Intersolve | Nationale Bioscoopbon |
| Nationale Bloemenbon | Intersolve | Nationale Bloemenbon |
| Nationale EntertainmentCard | Intersolve | Entertainment Card |
| Nationale Erotiekbon | Intersolve | Nationale Erotiekbon |
| Nationale Kunst & Cultuur Cadeaukaart | Intersolve | KCultuur Cadeaukaart |
| Nationale Musicalcard | Intersolve | Musical Card |
| Nationale Wensbon | Intersolve | Wensbon |
| Perry Giftcard | Intersolve | Perrysport |
| Podium Cadeaukaart | Intersolve | Podium |
| Sandton Gastro Genieten Giftcard | Intersolve | Sandton Gastro Genieten |
| Sandton Giftcard | Intersolve | Sandton Giftcard |
| Sandton High Tea Giftcard | Intersolve | Sandton High Tea |
| Sandton Lekker Weg Giftcard | Intersolve | Sandton Lekker Weg |
| Sandton Weekendje Weg Giftcard | Intersolve | Sandton Weekendje Weg |
| Sanoma Prepaid | Intersolve | Sanoma Prepaid |
| Score Giftcard | Intersolve | Score |
| Sport & Fit Cadeau | Intersolve | Sport & Fit Cadeau |
| ToysXL Cadeaukaart | Intersolve | ToysXL |
| Van der Valk Cadeaucard | Intersolve | VanderValkcadeaucard |
| Verleidingsbon | Intersolve | Verleidingsbon |
| Voetbalkadocard | Intersolve | VoetbalKadoCard |
| Voetbalshop.nl Cadeaucard | Intersolve | Voetbalshopkadocard |
| VVV Giftcard | Intersolve | VVV Giftcard |
| Webshop Giftcard | Intersolve | Webshopgiftcard |
| Wrapp Cadeaubon | Intersolve | Wrapp |
| Xenos Cadeaukaart | Intersolve | XENOS |
4. Payment cancellation and refund
4.1 The customer cancels his payment
If the customer clicks the "Cancel" button on the payment page, interrupting the Intersolve payment process, our system automatically refunds the customer (online) on each gift card he used.
If the customer cancels his iDEAL payment process, he will be offered the choice on our secure payment pages to retry his payment via iDEAL or to complete his payment with another gift card or with VISA, MasterCard or American Express.
If he cancels again at this stage, clicking the "Cancel" button on our secure payment page, our system will automatically refund him on the gift card(s) he used.
If the customer cancels his VISA, MasterCard or American Express payment process, clicking the "Cancel" button on our secure payment page, our system will automatically refund him on the gift card(s) he used.
4.2 Refunds
You can only refund an Intersolve transaction manually in your Worldline Account. The refunds are processed offline.
If you make a refund via the "View transactions" result pages, you can make a global refund for each payment linked to an order. When you click the refund button, our system will refund all payments (that haven’t been refunded yet) for the order.
If you make a refund via the "Financial history" result pages, you can make a specific refund gift card by gift card (as opposed to a global refund), for each separate payment linked to the order.
Remarks:
-
Partial refunds are not possible with Intersolve. You have to refund the full amount paid with a specific gift card.
-
A refund is the only maintenance operation on an Intersolve transaction you can perform as a merchant.
-
Refunds must be made within 14 days following the payment.
5. Transaction status specifics
| Status | Explanation |
|---|---|
| 9 - Payment requested | The payment has been accepted. Or The refund is not yet completed. |
| 2 - Authorisation declined | The payment has been declined. |
| 55 - Stand-by | The payment was not achieved. |
| 92 - Payment uncertain | A technical problem arose during the payment process with iDEAL, giving an unpredictable result. The status will be recovered via the iDEAL recover process. |
| 8 - Refund | The payment has been refunded. |
More information about statuses and error codes can be found in your Worldline account. Just log in and go to: Support > Integration & user manuals > User guides > List of the payment statuses and error codes.
6. Look and feel of the payment page
We can display specific warning messages for Intersolve on the payment page. When you use a template for the payment page and you would like to adapt the style of these warning messages to fit the look and feel of your template for the payment page, you can define a style for the following class: cISWarning.
The current style for cISwarning is defined as follows:
<style type="text/css">span.cISwarning{align:center;color:#fb0b0b;}</style>
7. Test cards
You can use the following test data to simulate different scenarios:
| Card number | Scenario |
|---|---|
| 1111 | 100 EUR balance |
| 2222 | Wrong brand at Intersolve |
| 3333 | Wrong currency at Intersolve |
| 4444 | 0 EUR balance |
| Any other card number | 1 EUR balance |
Questions fréquemment posées
Le délai d’activation des méthodes de paiement dépend des facteurs suivants :
- Il faut généralement compter une semaine pour qu’un acquéreur ou une banque valide l’affiliation. Si vous êtes déjà affilié, l’activation ne prendra que quelques jours.
- Certaines méthodes de paiement nécessitent des vérifications supplémentaires avant de pouvoir les activer. C’est le cas de 3-D Secure, qui est demandé directement auprès de VISA ou de MasterCard (et non de l’acquéreur).
Avec Worldline Collect, vous pouvez activer plusieurs méthodes de paiement à la fois.
Un acquéreur est un établissement financier qui traite des paiements réalisés avec des cartes de crédit et de débit. L’acquéreur est responsable de la partie financière du traitement des transactions et Worldline est en charge de la partie technique. En d’autres termes, sans acquéreur, l’argent ne sera pas transféré sur votre compte bancaire.
Un acquéreur est un établissement financier qui traite des paiements réalisés avec des cartes de crédit et de débit. L’acquéreur est responsable de la partie financière du traitement des transactions et Worldline est en charge de la partie technique. En d’autres termes, sans acquéreur, l’argent ne sera pas transféré sur votre compte bancaire.
Pour chaque méthode de paiement en ligne que vous souhaitez ajouter, vous devez signer un contrat d’acceptation avec un acquéreur. Si vous souhaitez obtenir des conseils sur l’acquéreur le mieux adapté à vos besoins et à votre région, contactez nous s'il vous plait. Si vous connaissez le nom de l’acquéreur avec lequel vous souhaitez travailler, il vous suffit de le sélectionner dans la liste déroulante au moment d’ajouter une méthode de paiement à votre compte.
Mais pourquoi ne pas nous laisser nous en occuper pour vous ? Full Service vous permet d’activer de nombreuses méthodes de paiement locales en une seule fois, dans plusieurs pays et avec un seul contrat. Si vous vendez à l’international, c’est probablement le meilleur moyen d’accepter des paiements de toute l’Europe. Il vous permet de consacrer moins de temps à la gestion et comme vous pouvez proposer plusieurs méthodes de paiement, vous augmentez votre chiffre d’affaires.
En savoir plus sur Ingenico Full Service ici et en nous contactant.