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Cpay

Intro

Cpay is a consumer credit card offered by the French acquirer BNP Paribas Personal Finance (BNP PF).

You can offer to your customers worldwide to pay by a varying amount of installments (3, 5, 10, 20 or any other amount of months). Cpay cards are also usable as MasterCard.

Cpay specifics

Modalities

By default, the following modalities must be proposed to the customers:

  • Credit
  • Debit
  • 5 months
  • 10 months
  • 20 months

You can profit from many more modalities. Please contact BNP PF to learn more about that.

Brands

Cpay cards are issued into many brands and split into two different type of cards:

  • Enseigne (branded)
  • Non-Enseigne (not branded)

Depending on whether you want to offer only one of them or both, branded ones must be configured. Each configured brand will be displayed as a different payment button on the Hosted Payment Page.

Modalities must be individually configured per brand. A brand will only be displayed on the payment page once at least one modality is configured. Find an overview on all available modalities here.

Once you have agreed on the brands / modalities you would like to offer with BNP PF, our customer care team will take care of the configuration for you.

Overview

Payment group:
Payment product id:
5100
Key benefits
  • Allows your customers to pay via individual installment plans
  • Post-payments on the Mastercard network can be managed via SMS (i.e. changing the date of the installment)
  • Co-badged with Mastercard

Countries & currencies

Supported countries

Supported currencies

  • Euro (EUR)

Integration

Process transactions 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": 12000
},
"customer": {
"billingAddress": {
"countryCode": "FR"
},
"contactDetails": {
"emailAddress": "customer@merchant.com"
}
},
"references": {
"merchantOrderId": "123456787",
"merchantReference": "",
"descriptor": "COM/DESC"
}
},
"hostedCheckoutSpecificInput": {
"locale": "fr_FR",
"returnUrl": "https://www.merchant.com",
"showResultPage": "true"
},
"cardPaymentMethodSpecificInput": {
"requiresApproval": true,
"skipAuthentication": false,
"paymentProduct5100SpecificInput": {
"brand": "CREDIT IN 5 MONTHS"
}
}
}
Properties Remarks

order.customer.contactDetails.emailAddress

Your customer’s e-mail address.

cardPaymentMethodSpecificInput
     paymentProduct5100SpecificInput.brand
     requiresApproval

brand: The numeric identifier of the payment method on our platform. Find this id in the "Overview" chapter. It instructs our platform to send your customers directly to the Cpay-branded version of our Hosted Checkout Page
and preselecting the modality for your customer. 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/direct sale mode.

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

Process flows

  1. Your customers finalise an order in your shop and select Cpay.
  2. You send this CreateHostedCheckout request to our platform.
  3. You redirect your customers via the redirectUrl. Your customers enter their credit card number and select a modality. Depending on your customers’ choice, two scenarios are possible:
    3'. (optional) Credit/Debit: We might redirect the customer to her/his issuing bank for 3-D Secure authentication. If the identification was successful, the flow continues at step 5. If the identification was unsuccessful, we redirect your customers to your returnUrl, ending the flow.
    3’’. (optional) Installment: You customers are redirected to a new page on which we show the financial conditions. If they accept, the flow continues at step 5. If not, we redirect your customers to your returnUrl, ending the flow.
  4. We submit the actual financial transaction to the acquirer to process it. 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 / services.
Cpay-flow.png

Testing

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.

Additional information

Available features

Guaranteed payment Yes
Chargeback No
Refund Yes (For payments with installments, refunds are allowed only on the day of the authorization)
Pre-authorization No
Authorisation Yes (capture possible within 24hrs after the authorisatioin)
Cancellation Yes
Alias No
Recurring No
Amount Limits Depends on the chosen instalment

List of modalities

As described in our payment methods specifics chapter, BNP PF offers a extensive range of different modalities. Please contact BNP PF to make them available for your customers!

Code Modalities

Does the consumer have to accept

the financial conditions to open the credit?

Minimum amount (€) /

Maximum amount (€)

04 Credit No -
05 Cash No -
09 CREDIT 25 MONTHS Yes

330 /

4500

10 CREDIT 9 MONTH FREE Yes

100 /

4500

14 CREDIT IN 19 MONTHS Yes

150 /

4500

20 CREDIT 8 MONTHS Yes

50 /

3000

21 CREDIT 12 MONTHS Yes

300 /

1500

23 CREDIT IN 15 MONTHS Yes

210 /

4500

33 CREDIT IN 5 MONTHS Yes

75 /

4500

34 CREDIT IN 10 MONTHS Yes

130 /

4500

35 CREDIT IN 20 MONTHS Yes

270 /

4500

36 CREDIT 9 MONTHS Yes

100 /

4500

37 CREDIT 30 MONTH FREE Yes

400 /

4500

38 CREDIT 30 MONTHS Yes

380 /

4500

48 CREDIT IN 5 MONTHS FREE Yes

75 /

4500

50 CREDIT 8 MONTHS FREE Yes

50 /

3000

51 CREDIT 18 MONTHS FREE Yes

200 /

3000

52 CREDIT 11 MONTHS Yes

120 /

1600

53 CREDIT 11 MONTH FREE Yes

120 /

1600

54 CREDIT IN 12 MONTHS FREE Yes

300 /

1500

55 CREDIT IN 15 MONTHS FREE Yes

300 /

4500

56 CREDIT IN 19 MONTHS FREE Yes

150 /

4500

57 CREDIT 22 MONTHS Yes

120 /

1600

58 CREDIT 22 MONTH FREE Yes

120 /

1600

65 CREDIT IN 10 MONTHS FREE Yes

160 /

4500

68 CREDIT IN 20 MONTHS FREE Yes

300 /

4500

69 CREDIT 18 MONTHS Yes

200 /

3000

70 2 MONTHS DTS Yes

45 /

1500

71 CREDIT IN 3 MONTHS Yes

45 /

4500

72 5M GENERIC CREDIT Yes

80 /

1500

73 10M GENERIC CREDIT Yes

165 /

1500

74 20M GENERIC CREDIT Yes

350 /

1500

75 25 MONTH FREE CREDIT Yes

350 /

1500

76 2 MONTHS FREE DTS Yes

45 /

1500

77 CREDIT IN 3 MONTHS FREE Yes

45 /

1500

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