Payment by credit card is the most widely used means of payment in the world of e-commerce, with a predominance of international Visa & Mastercard networks that coexist with domestic networks (CB for France, Bancontact for Belgium, etc.).

Some cards may belong to several networks (for example cards co-badged with CB and VISA). A European regulation (Multilateral Interchange Fee, or MIF) gives you the possibility to make a default brand choice, but the end customer can change this choice when he is on the payment page. This regulation concerning the selection of the brand has an impact on the payment pages which must present this choice when the card entered for payment is concerned by this regulation (co-branded card) .

To create a payment, click on the tab.

The following page will display.

Click on the tab.

The following page will display.

Click on the tab.

Select the card type in the dropdown menu.

Then click on .

The following page will display.

Fill in the following fields:

• card number

If your contract is subject to the MIF regulation (EU OJ 2015/751 L123 dated 05/19/2015), an automatic detection of the card's network(s) is performed. If the card is co-badged, several network logos are displayed on the right of the card number:

By default, one of the networks through which the payment will be made is selected:

If you would like to select another network, click on the link below:

The following page appears and shows your choice:

• card expiry date

• security code (CVV -> three digits on the back of the card);

• transaction reference. The reference is saved by default but can be modified (35 alphanumerical characters by default)

• transaction amount

• transaction currency

• capture mode

• capture delay

• the order reference, customer code and additional information are optional values

Click on to validate the transaction.

If payment is accepted, the following page will display:

Below is an example of a refusal page displayed for a refused payment:

Click on to create a new transaction.

You have the option of splitting a transaction into several parts, which will be sent to the bank at specified intervals.

Thus, a payment transaction in n times creates n transactions, each with a distinct identifier. Each transaction is independent of the others and includes a systematic authorisation request. In case of agreement, the transaction in question is sent for capture. In case of refusal, the transaction is not submitted again.

Click on the tab.

Then select the card type in the dropdown menu.

Click on .

The following page will display:

In the "means of payment details" and "transaction details" sections, fill in the following fields:

• card number

If your contract is subject to the MIF regulation (EU OJ 2015/751 L123 dated 05/19/2015), an automatic detection of the card's network(s) is performed. If the card is co-badged, several network logos are displayed on the right of the card number:

By default, one of the networks through which the payment will be made is selected:

If you would like to select another network, click on the link below:

The following page appears and shows your choice:

• card expiry date

• security code (CVV -> three digits on the back of the card);

• transaction reference. The reference is saved by default but can be modified (35 alphanumerical characters by default). This reference can be used as a basis for generating the multiple transactions that will be generated.

• total scheduled dates amount

• transaction currency

• time table type

• number of instalments for the payment (for example 4 for a payment in 4 instalments)

• frequency in days

• first payment due amount

• the order reference, the customer code and additional information are optional values

In the "Payment schedule" section...

...fill in the following fields:

• enter the payment instalments as well as the amounts associated with each instalment

The payment schedule can also be auto-completed by clicking on . The schedule is then automatically auto-completed according to the total amount, frequency, type of schedule and first due date amount entered in the "transaction details" section.

Once the information has been correctly completed, click on to validate the payment date.

The following page will display:

Having checked the information, click on to validate the transaction.

The following page will display:

To search for transactions with future dates, use the Advanced search" tab and apply the "Authorisation requests being processed" option in the Transaction status" menu. The tool will display a list of all future transactions.

If you would like to send the information necessary to the address verification check, click on the "AVS controls" banner:

AVS is an anti-fraud feature that allows you to request the cardholder's address, send it within the authorization request and let the card issuer compare this address with the one they know.

The following form will display:

Fill in the following fields:

• check the following box if you would like the cardholder's address check to be done:

• check the following boxes if you would like the transaction to be accepted regardless of the result of the check on the postal code and/or address:

• check the following box if you would like an automatic reversal message to be sent in case of refusal due to an AVS/CSC failure:

• fill in the various information about the address and postal code:

The validation function makes it possible to trigger the transaction capture. It also enables you to defer a payment so the customer's account is debited only when the purchased goods have been dispatched.

If the chosen method for sending the bank transaction is not automatic, you have to validate every transaction manually. If you do not validate a given transaction before its chosen capture time (as selected) ends, this transaction will expire. It will then be impossible for you to send it to the bank.

You can validate all or part of the transaction amount. The amount validated will be captured on the day of its validation. It is of course impossible to validate an amount that exceeds the initial amount of the transaction.

Having clicked on the validation button of a transaction in the list of results or on the button in the seleted transaction details, the following page will display:

Enter the amount to be validated in the following field:

Click on .

The following page below will then display if the validation is successful:

If the validation has failed, the following page will display:

This function makes it possible to change the amount to capture. For you, it is useful for inventory management purposes. When a customer has cancelled several products that are part of a single transaction, you can cancel the latter partially. In this case, the amount cancelled will be that of the unavailable product, and the customer will only be charged for the products that were actually delivered.

Transactions can only be cancelled before they are captured. A transaction cannot be cancelled if it has already been captured. However, refunding the customer fully or partially is still possible.

By default, deferred capture is inactive (0 days), which means that the capture is carried out on the same day as the transaction. To defer the date on which transactions are captured, you have to make sure that this setting has been configured correctly.

When a cancellation is requested, the Mercanet server checks two parameters:

• The amount. An amount that is higher than that of the original transaction cannot be cancelled.
• The transaction cancellation period, which is set at the time of payment. Beyond this period, the transaction is captured and can no longer be cancelled.

A transaction can be cancelled several times provided the transaction capture deadline is not overdue and the transaction balance is not null.

In the case of a partial cancellation, the balance of the transaction is automatically captured after the capture time is up.

Having clicked on the cancellation button of a transation in the listof results or on the button in the selected transaction details, the following page will display:

Enter the amount to be cancelled:

Click on .

The following page will then display if the cancellation is successful:

If the cancellation has failed (the amount is higher than the amount of the initial transaction), the following page will display:

A refund makes it possible to credit the account of a customer that was unduly charged (if the product was not delivered, is unavailable, damaged, returned, etc.).

The customer's account will be credited with the refunded amount, and your account will be debited with the same amount. The refund is captured on the same day. The refund is captured on the same day it is entered in Mercanet Back Office.

You can refund a customer for a period of fifteen months following the order. You can make an unlimited number of partial refunds, provided these fifteen months are not exceeded and the balance is not null.

After you have clicked on the refund button of a transaction in the list of results or on the button in the selected transaction details, the following page will display:

Enter the amount to be refunded:

Click on .

If the refund is successful, the following page will display:

If the refund has failed (the amount is higher than that of the initial transaction), the following page will display:

You can create a new transaction using an old transaction.

Duplicating a transaction is possible up to 18 months after its creation date and provided the expiry date for the means of payment has not been exceeded. The transaction created during the duplication is a new transaction. All of the characteristics of this transaction can be changed, with the exception of the card information, which you does not need to store in your IT system. A transaction created by duplication can in turn be duplicated.

Duplicating a transaction requires a new authorisation request, using the payment information (card number, account number etc.) corresponding to the original transaction. The future of a duplicated transaction does not under any circumstances depend on the result of the original transaction: if the initial transaction was refused, it is possible that it is accepted after duplication, and vice-versa.

Any transaction associated with payment in instalments can be duplicated. Payment of this new transaction will be completed in one instalment only.

For example, if a transaction, either by error or omission, was not validated in the capture time you set, it has expired and will therefore not be paid. You may wish to secure this transaction, thererfore you have the option of duplicating an expired transaction. Provided it is authorised, this new transaction will be paid for.

Therefore, this operation can allow you, among other things:

• to replay transactions without having the cardholder's card details
• to catch up on expired transactions, i.e. transactions that would not have been validated in time (in VALIDATION mode)

The following page will display:

Select the characteristics of the mandate to be created:

• mandate type: enter the type of mandate (recurring by default)
  • The recurring mandate is valid for a series of direct debits. It may be cancelled at any time at any time by the creditor or the debtor and becomes null and void if not used for a period of 36 months.
  • The one-time mandate is only valid for a single direct debit, it expires automatically.
• direct debit type: enter the type of direct debit (CORE by default)
  • The SEPA CORE direct debit is available to all types of clients.
  • The SEPA B2B (or intercompany) direct debit is reserved exclusively for payments between companies, professionals and associations, and has specific management rules.

The mandate creation method must then be selected:

• The paper mandate is created (with the BIC and the IBAN entered) and activated by the merchant (the debtor is present and can sign the paper mandate on site).
• The electronic mandate is initiated by the merchant (without the BIC and the IBAN entered), then taken and completed by the client via an e-mail link.

Two mandate creation methods are possible:

Click on the tab to carry out a simple search. The following page will display:

Fill in the following fields:

• The mandate reference:
  • Enter the complete reference of the mandate (18 digits, e.g. 000000000000000079)
  • Or enter only the part on the right (e.g. 79), it will be automatically completed with the zeros missing on the left.
• The name of the debtor

After entering the search criteria (at least 1 criterion must be entered), click on the button.

A list of mandates will display, depending on the criteria entered:

Click on the tab to carry out an advanced search. The following page will display:

Fill in the following fields:

• The date of the mandates: you must enter the start date and end date of the search. The date requested corresponds to the signature date of the mandate.
• The mandate reference:
  • Enter the complete reference of the mandate (18 digits, e.g. 000000000000000079)
  • Or enter only the part on the right (e.g. 79), it will be automatically completed with the zeros missing on the left.
• The name of the debtor
• The mandate type
• The mandate status
• The type of direct debit

After entering the search criteria (at least 1 criterion must be entered, at least the date), click on the button.

A list of mandates will display, depending on the criteria entered:

• Results can be sorted by clicking on the headers of the relevant columns.

• The list of mandates can be viewed in an Excel spreadsheet. To do this, click on the button.

The following spreadsheet will display:

• To view the details of a mandate, click on the mandate reference.

To view the direct debit history of a mandate, click on .

The direct debit history page is as follows:

Click on to return to the original list.

Click on to return to the original mandate.

To view the details of a direct debit, click on the ID of the corresponding direct debit. A redirection to the "Transactions" tab will display the details of the SEPA Direct Debit.

To return to the details of the mandate; click on the "mandate reference" link. To return to the direct debit history, click on the "debit identifier" link.

Having clicked on the activation button of a mandate in the results list or on the button in the selected mandate details, the following page will display:

Please enter :

• The mandate signing date.
• The city where the mandate was signed.

Click on to activate the mandate. The following page will display:

Click on to return to the original list.

Click on to return to the original mandate

Having clicked on the modification button of a mandate in the results list or on the button in the selected mandate details, the following page will display:

Update fields as necessary then click on the button.

The mandate modification confirmation page will display:

Having clicked on the suspension button of a mandate in the results list or on the button in the selected mandate details, the following page will display:

Click on the button to display the following page:

Click on to return to the original list.

Click on to return to the initial mandate.

Havaing clicked on the reactivation button of a mandate in the results list or on the button in the selected mandate details, the mandate reactivation confirmation page will display:

Having clicked on the revoking button of a mandate in the results list or on the button in the selected mandate details, the following page will display:

You can download and print a mandate by going to the mandate details page then clicking on the icon next to "Download the mandate".