worldline Direct
Sign up

Cetelem 3x/4x


As Cetelem offer various brands, multiple paymentProductId exist. Find all possible values in the Integration chapter.

Cetelem 3x/4x is an instalment solution offered by Cetelem.

By offering flexible instalment plans, you make your customers' purchases affordable, which improves your conversion rate and revenue. Your customers may choose to split their payment into three or four equal instalments over several months. Your customers enter their card (Visa, MasterCard or Carte Bancaire) and personal details on the Cetelem portal. Cetelem then charges your customers automatically for the individual instalments.

Cetelem 3x/4x outsources the risk of payment defaults, as Cetelem pays you upfront and collects the funds from your customers.

The integration is very easy, as you only need to send some additional parameters along with your request.


Payment group:
Payment product id:
Key benefits
  • Low PCI requirements
  • Easy integration
  • Allows partial/multiple/full refunds
  • Guaranteed payment


To use Cetelem for either in our test/live environment, follow these steps: 

  1. Sign a contract with Cetelem and receive activation credentials in return.
  2. Send the activation credentials (MID/password and possibly other credentials) to us. 
  3. We do the necessary onboarding and provisioning check.
  4. We activate the payment method in your account.

Countries & currencies

Supported countries

Supported currencies

  • Euro (EUR)


Redirect your customers to the Cetelem portal via our Hosted Checkout Page. Find a high level overview in the "Process flows" chapter.

Add the following properties to a standard CreateHostedCheckout request:

  "order": {
    "amountOfMoney": {
      "currencyCode": "EUR",
      "amount": 103000
    "customer": {
      "personalInformation": {
        "name": {
          "title": "M",
          "firstName": "SURICATE",
          "surname": "MISTER"
        "gender": "male",
        "dateOfBirth": "19490917"
      "companyInformation": {
        "name": ""
      "languageCode": "en",
      "billingAddress": {
        "street": "Desertroad",
        "houseNumber": "13",
        "additionalInfo": "b",
        "zip": "84536",
        "city": "Monument Valley",
        "state": "Utah",
        "countryCode": "US"
      "shippingAddress": {
        "name": {
          "title": "M",
          "firstName": "SURICATE",
          "surname": "MISTER"
        "street": "Desertroad",
        "houseNumber": "1",
        "additionalInfo": "Suite II",
        "zip": "75001",
        "city": "PARIS",
        "state": "Utah",
        "countryCode": "FR"
      "contactDetails": {
        "emailAddress": "",
        "phoneNumber": "33607080910",
        "faxNumber": "+33607080910",
        "emailMessageType": "html"
      "vatNumber": "1234AB5678CD"
    "references": {
      "merchantOrderId": "638116164638194750",
      "merchantReference": "MH381603",
      "invoiceData": {
        "invoiceNumber": "0005400123",
        "invoiceDate": "20140306191500"
      "descriptor": "Fast and Furry-ous"
    "typeInformation": {
      "purchaseType": "physical"
    "shoppingCart": {
      "items": [
          "amountOfMoney": {
            "currencyCode": "EUR",
            "amount": 103000
          "invoiceData": {
            "description": "ACME Super Outfit"
          "orderLineDetails": {
            "productName": "ACME12",
            "discountAmount": 0,
            "lineAmountTotal": 103000,
            "productCode": "ASO45",
            "productPrice": 103000,
            "productType": "Fashion",
            "quantity": 1,
            "taxAmount": 0,
            "unit": "piece"
  "hostedCheckoutSpecificInput": {
    "locale": "fr-FR"
  "redirectPaymentMethodSpecificInput": {
    "requiresApproval": true,
  "paymentProductId": 5133,
Property Remarks


amount: The gross amount you want to charge for this order.
currencyCode: The ISO 4217 currency code for this amount.


Your customers's personal information.


Your customers's billing/shipping address. If you do not send billingAddress, your customers will have to provide this data on the Cetelem payment page.


The content of the shopping cart as an array of items objects.

amountOfMoney.amount: The full amount of the items, calculated as orderLineDetails.productPrice X orderLineDetails.quantity

Make sure to calculate the value for order.amountOfMoney.amount by adding up all instances of shoppingCart.items.amountOfMoney.amount


The language version of our Hosted Checkout Page.


paymentProductId: The numeric identifier of the payment method on our platform. Find this id in the list below. It instructs our platform to send your customers directly to the Cetelem payment page. If left out, our platform sends your customers to the Hosted Checkout Page instead, allowing them to choose this or any other payment method in your account.

requiresApproval: Set to either "true"/"false" depending on whether you want to process payments in authorisation("true")/direct sale mode ("false").
Make sure that you capture authorised transaction later. Only then will the transaction have status="CAPTURED" / statusOutput.statusCategory="COMPLETED" / statusOutput.statusCode=9, for which you receive the actual payment for the transaction.

Find detailed information about this object and its properties in our CreateHostedCheckoutAPI.

List of available Cetelem brands

Brand paymentProductId

Cetelem 3x

For splitting the payment into three installments


Cetelem 4x

For splitting the payment into fourinstallments


Process flows

  1. Your customers finalise an order in your shop and select Cetelem 3x/4x.
  2. You send this CreateHostedCheckout request to our platform.
  3. You redirect your customers via the redirectUrl to the Cetelem portal. They confirm the order with their card and personal data.
  4. We receive the transaction result. 
  5. We redirect your customer to your returnUrl
  6. You request the transaction result from our platform via GetHostedCheckout or receive the result via webhooks.
  7. If the transaction was successful, you can deliver the goods / service.
  8. Cetelem charges your customers automatically for the remaining instalments within the arranged intervals.


Refer to our Test cases for test data and detailed instructions.

Make sure to use the right endpoint and switch back to the live URL as soon as you have finished your tests.

Was this page helpful?

Do you have any comments?

Thank you for your response.