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Release 24.2

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Bancontact

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Introduction

Mercanet is a secure multi-channel e-commerce payment solution that complies with the PCI DSS standard. It allows you to accept and manage payment transactions by taking into account business rules related to your activity (payment upon shipping, deferred payment, recurring payment, payment in instalments, etc.).

The purpose of this document is to explain the the Bancontact means of payment integration into Mercanet.

Who does this document target?

This document is intended to help you implement the the Bancontact means of payment on your e-commerce site.

It includes:

  • functional information for you
  • implementation instructions for your technical team

To get an overview of the Mercanet solution, we advise you to consult the following documents:

  • Functional presentation
  • Functionality set-up guide

Understanding Bancontact payments with Mercanet

General principles

Bancontact is the market leader in electronic payments in Belgium. The Bancontact card is the Belgian national card.

To pay with a Bancontact card, cardholders have to provide their card details, namely:

  • card number
  • expiry date
  • some co-branded Bancontact cards also have a security code (Bancontact/VPay and Bancontact/Maestro cards). It is not necessary to enter this code to make a Bancontact payment.

The 3-D Secure authentication is generally mandatory in order to finalise an online Bancontact payment. Any payment transaction is subject to cardholder authentication. This process involves both the card issuer bank as well as the network.

Therefore, you will have to subscribe to the 3-D Secure programme.

Acceptance rules

Available functionalities
Payment channels
Internet V Default payment channel
MOTO X
Fax X
IVS X
Means of payment
Immediate payment V Default method
End-of-day payment X
Deferred payment X
Payment upon shipping X
Payment in instalments X
Subscription payment V
Batch payment X
OneClick payment V
Currency management
Multicurrency acceptance X EURO only
Currency settlement X EURO only
Payment pages

The customer selects the Bancontact means of payment.

They are then redirected to their required information entry page:



The payment ticket is displayed, then the customer returns to your website.

Signing your Bancontact acceptance contract

In order to offer the Bancontact means of payment on your website, you have to sign an acceptance contract with Worldline Acquiring Belgium. Thereafter, you transmit us the contract number for recording in our information system.

These means of payment are also co-badged with Maestro and soon with V-Pay (Visa debit), which means that they can be accepted as international Maestro or Visa cards.

Making a Bancontact payment

Mercanet offers you three solutions to integrate the Bancontact mean of payment:

  • Paypage which directly acts as the payment interface with customers via their web browser.
  • Office (M2M) which gives you the possibility to display your payment pages and works through a server-to-server dialog.
  • Office Batch which allows you to process batch payments.

For Bancontact payments, it is not allowed to defer the remittance. You cannot adjust the date of funds transfers (immediate payment).

The diagram below explains the different transaction statuses according to the chosen capture mode:


description of the possible statuses for a Bancontact transaction

The only capture mode available is IMMEDIATE. Three states are possible: the transaction is waiting to be captured (status TO_CONFIRM_CAPTURE, responseCode 60) or the transaction is accepted and therefore captured (status CAPTURED, responseCode 00) or the transaction is rejected (status REFUSED, responseCode different from 00 and 60).

Making a Bancontact payment with Paypage

The payment process for Paypage is described below:


steps of a bancontact payment with paypage

1) The customer makes the payment. 2) The customer is redirected to the payment method selection page hosted at Mercanet and selects Bancontact and enters his card number. 3) He is redirected to the ACS page where he authenticates himself. 4) The customer is redirected to the Mercanet pages. 5) If the customer clicks on the back to store button, Mercanet sends the manual response. 6) Mercanet sends the automatic automatic response.
Note: for the 3-D Secure v2 payments, it is recommended to populate some fields to foster the frictionless. Please refer to the 3-D Secure guide.
Setting the payment request

The following fields have a particular behaviour:

Field name Remarks/rules
statementReference The value sent will appear on your account statement.
The allowed characters are [a-zA-Z0-9 / \ + =.].
orderId In order to be compatible with the BXAP protocol, the field must not exceed 30 characters.
Any value longer than 30 characters will be truncated.
The allowed characters are [a-zA-Z0-9 / \ + =.].
fraudData.bypass3DS WIP_BANCONTACT if you wish to deactivate the 3-D Secure authentication for a OneClick Bancontact payment.
Analysing the response

The following table summarises the different response cases to be processed:

Status Response fields Action to take
Payment accepted acquirerResponseCode = 00
authorisationId = (cf. the Data Dictionary).
maskedPan = (cf. the Data Dictionary).
panExpiryDate = (cf. the Data Dictionary).
 You can deliver the order.
OneClick payment accepted acquirerResponseCode = 00
authorisationId = (cf. the Data Dictionary).

holderAuthentProgram =

  • 3DS: the holder authenticated themselves using a 3-D Secure process
  • 3DS_V2: the holder attempted to authenticate themselves using a 3-D Secure V2 process
  • BYPASS: the holder has not been authenticated because the payment is made via WIP.
maskedPan = (cf. the Data Dictionary).
panExpiryDate = (cf. the Data Dictionary).
 You can deliver the order.
Pending transaction You must wait until you receive the second automatic response for this transaction to know its final status and whether you can ship the goods. If you do not receive the automatic response, you will need to check the transactions report regularly.
Acquirer refusal acquirerResponseCode = (cf. the Data Dictionary). The authorisation is refused for a reason unrelated to fraud.
If you have not opted for the "new payment attempt" option (please read the Functionality set-up Guide for more details), you can suggest that your customer pay with another means of payment by generating a new request.
Refusal due to the number of attempts reached responseCode = 75 The customer has made several attempts that have all failed.
Refusal due to a technical issue acquirerResponseCode = 90-98
responseCode = 90, 99
Temporary technical issue when processing the transaction. Suggest that your customer redo a payment later.

For the complete response codes (responseCode) and acquirer response codes (acquirerResponseCode), please refer to the Data dictionary.

Making a Bancontact payment with Office (M2M)

The payment process for Office (M2M) is described below:


steps of an American Express payment via Office

1) You collect the card information on the payment page hosted on your website and transmit this information to information to Mercanet via the cardCheckEnrollment method. 2) Mercanet sends you the url of the ACS. 3) You redirect your customer to the ACS. 4) Your client authenticates and is redirected to your site. 5) You collect authentication information and send an authorization request to Mercanet via the cardValidateAuthenticationAndOrder method. 6) Mercanet sends you the payment response and you display the payment result to your your customer on your website.
Setting the payment request

Bancontact payments can be initiated using the cardCheckEnrollment function of the CheckOut service.

The following fields are used to send information specific to this means of payment:

Field name Remarks/rules
cardNumber Mandatory
cardExpiryDate Mandatory
cardCSCValue Optional
orderId In order to be compatible with the BXAP protocol, the field must not exceed 30 characters.
Any value longer than 30 characters will be truncated.
The allowed characters are [a-zA-Z0-9 / \ + =.].
paymentMeanBrand Must be populated with BCMC.
statementReference The value sent will appear on your account statement.
The allowed characters are [a-zA-Z0-9 / \ + =.].

For more information, please refer to the 3-D Secure guide on Office (M2M) connector to implement the other steps of a 3-D Secure payment.

Analysing the response

The following table summarises the different response cases to be processed:

Status Response fields Action to take
Payment accepted acquirerResponseCode = 00
authorisationId = (cf. the Data Dictionary).
paymentMeanBrand = BCMC
responseCode = 00
 You can deliver the order.
Pending transaction
responseCode = 60
The transaction is still being processed. You will need to check the transactions report regularly to know its final status.
Acquirer refusal acquirerResponseCode = (cf. the Data Dictionary).
responseCode = 05
 The authorisation is refused for a reason unrelated to fraud, you can suggest that your customer pay with another means of payment by generating a new request.
Refusal due to a technical issue acquirerResponseCode = 90-98
responseCode = 90, 99
Temporary technical issue when processing the transaction. Suggest that your customer redo a payment later.

For the complete response codes (responseCode) and acquirer response codes (acquirerResponseCode), please refer to the Data dictionary.

Please refer to 3-D Secure guide to analyse the authentication information.

Managing your Bancontact transactions

Available cash operations

The following operations are available on Bancontact transactions:

Cash management
Cancellation X

Validation X
Refund V
Refund available on the total or partial amount of the transaction.
Maximum amount allowed per refund: €3,000 (several partial refunds required for any transaction over €3,000).
Duplication V

The diagram below explains which cash management operation is available when a transaction is in a given status:


possible status after a cash management operation for a bancontact transaction

When the transaction is created, the status is TO_CONFIRM_CAPTURE. If the capture fails, the status becomes CAPTURE_REFUSED. if the capture succeeds, the status becomes CAPTURED. Once the transaction is captured, it can be refunded partially or completely. If the whole transaction is refunded, the status becomes CREDITED. If only a part of the transaction is refunded, the status remains CAPTURED.

Viewing your Bancontact transactions

Reports

The reports provided by Mercanet allow you to have a comprehensive and consolidated view of your transactions, cash operations, accounts and chargebacks. You can use this information to improve your information system.

The availability of Bancontact transactions for each type of report is summarised in the table below:

Reports availability
Transactions report V
Operations report V
Reconciliations report X
Chargebacks report X
Note: for Bancontact transactions, the paymentMeanBrand field is populated with the value BCMC.

Mercanet Back Office

You can view your Bancontact transactions and perform various cash management operations with Mercanet Back Office.



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