Omnichannel

Introduction

Today, customers experience a brand and not a channel within a brand. They shop both online and in-store, and sometimes, this applies to one single purchase.

Imagine the following scenario:

1. Your customers pay a deposit for a product in-store which is out of stock
2. You send the product to your customers as soon as it is available and request the payment for the remaining amount online
3. Later, your customers inform you that the product is unfortunately defective, asking to return the product. After receiving the returned product, you refund the product online

These examples show how these cross-linking of online/in-store activities prove to be a tremendous challenge for merchants: you need to keep track of all these steps to ensure a correct order system and a satisfactory customer experience.

Our Omnichannel solution will ease your implementation by

• Providing a seamless customer journey
• Giving you a single and unified view of your customers' interactions

Omnichannel groups all operations under one single order, in one chain of action – regardless of whether they happen in-store or online!

Implement Omnichannel

Omnichannel allows the following maintenance operations:

• Subsequent sales
• Refunds/payouts

Process subsequent sales

The first initial transaction marking the beginning of the chain of actions can be either an in-store (via your point-of-sale terminal) or online transaction (via our API).

If you process this initial transaction online, make sure to add
unscheduledCardOnFileRequestor="cardholderInitiated"
unscheduledCardOnFileSequenceIndicator="first"
to your request. This will ensure you comply to the Credentials-On-File regulation (COF) when processing the subsequent transaction.

To process subsequent transactions, send a request to our dedicated SubsequentPayment endpoint:

{
   "subsequentCardPaymentMethodSpecificInput":{
      "authorizationMode":"SALE"
   },
   "order":{
      "amountOfMoney":{
         "amount":3000,
         "currencyCode":"EUR"
      }
   }
}

Property	Description
{paymentId}	The payment.Id of the first transaction (either instore or online) for which you process a new subsequent payment. Add it as a path to the SubsequentPayment endpoint URL
subsequentCardPaymentMethodSpecificInput. authorizationMode	Set to either "FINAL_AUTHORIZATION"/"PRE_AUTHORIZATION"/"SALE" depending on whether you want to process payments in (pre)authorisation/direct sale mode
order.amountOfMoney      amount      currencyCode	amount: The gross amount you want to charge for this order currencyCode: The ISO 4217 currency code for this amount

Process refunds/payouts

Add the following properties to a standard RefundPayment request:

{
   "amountOfMoney":{
      "amount":100,
      "currencyCode":"EUR"
   }
}

Property	Description
{paymentId}	The payment.Id of the first transaction (either instore or online) for which you request a refund Add it as a path to the RefundPayment endpoint URL
order.amountOfMoney      amount      currencyCode	amount: The gross amount you want to charge for this order currencyCode: The ISO 4217 currency code for this amount

Sometimes you might want to refund more than the amount of the first initial transaction. We have a dedicated endpoint for these kind of requests.

Add the following properties to a standard CreatePayout request:

{
   "amountOfMoney":{
      "amount":1000,
      "currencyCode":"EUR"
   },
   "omnichannelPayoutSpecificInput":{
      "paymentId":"paymentId.id"
   }
}

Tokenisation

Consumer Relationship Management Tokens (CRM Tokens)

To improve customer experience through loyalty initiatives or to prevent fraud, our APIs return CRM tokens whenever available for every card data request. These tokens will help you manage your customer relationships. 

These tokens also increase the security level of your infrastructure by not storing sensitive cardholder data such as the PAN (Primary Account Number). This approach reduces your PCI DSS compliancy level. 
The CRM Token has the following properties: 

• Unique per cardholder (two transactions performed with the same card will generate the same token)
• Unique across channels (an online and in-store transaction will return a unique CRM Token)
• Generated by Worldline as a “mask” for the card number, keeping the format of a card number (e.g. 4974034362433538108 or 497403K4J3538108) 
• Randomly generated within Worldline’s hosted infrastructure 
• Displayed through your CRM toolsgiving you the ability to get all transaction reports based on the CRM token. 
• If the CRM Token could not be generated, the transaction will still complete but no token will be returned. 

The CRM (Generated) Token is returned as: 

"externalTokenLinked":  
{ 
"GeneratedToken": "string" 
} 

Offline tokens

Contact us to activate this option. 

Offline Tokens are a great way to manage orders when the in-store terminal is offline. Our APIs will return Offline Tokens for any request involving card details, if available. Possible use cases: 

• Click & Collect: An Offline Token is computed and returned during the Click operation performed online. For the Collect phase, the Offline Token is computed in the in-store terminal and compared to the pre-registered value, to authenticate the consumer as being the originator of the purchase. 
• User authentication: The customer can benefit from a service (rental, parking, etc.) by authenticating him/herself at the entrance or exit of the premises in an Offline mode. 

The Offline Token has the following properties: 

• Unique per cardholder (two transactions performed with the same card will generate the same token).
• Unique across channels (an online & instore transaction will return a unique Offline Token).
• Hexa 64 digits computed by Worldline from the PAN & a key, not keeping the format of a card number (e.g. 4A76C5F8...).
• Randomly generated within Worldline’s hosted infrastructure.
• Can be computed when the in-store terminal is offline. 
• The Offline Token is displayed through your CRM tools allowing you to get all transactions reports based on the Offline token.
• The Offline Token is an option that must be enabled during account setup. 
• If the Offline Token could not be generated, the transaction will still complete, but no token will be returned. 

The Offline (Computed) Token is returned as: 

"externalTokenLinked":  
{ 
"ComputedToken": "string" 
},