Last update 30/05/2017

1. Activation

Activating Paypage Collect is a straightforward procedure, by which a minimum is required from you.

After you've had contact with our Sales team, these are the steps:

  1. We send you a link to a registration form.
  2. You complete the registration form and you select the payment methods.
  3. You receive a confirmation email containing a proposal.
  4. Upon acceptance of the proposal, we will collect additional data and you will receive an acceptance application and a "document upload" link.
  5. You upload the signed acceptance application and other required documents.
  6. We finalize and confirm the registration.
To be able to apply for Paypage Collect, your website must contain:
  • Your Terms and Conditions
  • Your VAT number
  • Your contact details (physical address and email address OR telephone number).

If any of these criteria are not met, the registration can't be processed.

In the document upload you also have to include your Articles of Association (depending on your business type). 

For more questions about the registration, you can contact our Collect team on sales.ecom@ingenico.com.

Here you can also find our list of Restricted Merchant Services and Products.

2. Payment methods

Paypage Collect supports the following payment methods:

  • Bancontact
  • Bank transfer (BE/DE/FR/NL/IT/SK)
  • Belfius Direct Net
  • Cartes Bancaires
  • Giropay
  • iDEAL
  • ING Home'Pay
  • KBC/CBC Online
  • Maestro
  • MasterCard
  • Sofort Banking / Überweisung (BE/DE/AT/FR/NL/IT)
  • Visa
  • V Pay

3. Payment process

The payment process with Paypage Collect is like a normal e-Commerce payment process. The only difference is that our financial department Financial Solutions is involved, as Paypage Collect partner.

Therefore, in your Paypage account, the Paypage Collect payment methods are pre-configured with FS's affiliation or bank details.

The below payment process only concerns pay buttons. The payment process for a bank transfer is slightly different.

Collect PayFlow

  1. The customer places an order in your shop.
  2. On checkout, the customer's payment details are submitted to the Paypage platform.
  3. Paypage connects with the bank/acquirer to process the payment.
  4. Once the payment is processed, Paypage sends you the payment confirmation.
  5. Paypage sends a separate confirmation to FS.
  6. The bank/acquirer settles the payment with FS, which collects the money.
  7. FS sends the reconciled payment information to Paypage.
  8. Paypage sends you a payment report. (cf. Push Reports: View transactions and Financial history)
  9. FS sends a payout report and transfers the money to your bank account. (cf. Push Reports: Reconciliation)

Based on the payment reference (beginning with the letters RF, followed by two check digits and the Paypage PAYID), created for each transaction, FS routes the money to your balance.

If FS is unable to match the received payment with a transaction (e.g. the transaction is in an invalid/incomplete status on the Paypage platform, but the buyer has been debited), then FS will automatically return the money, after some security checks. The payment reference will be: "Money refused, invalid communication", together with the original payment reference.

Weekly, FS transfers the collected funds to your bank account (cf. the payout).

Processing via DirectLink

By default all payment methods with Paypage Collect are to be processed via e-Commerce. However, Visa, MasterCard, Maestro, VPay, Bancontact and bank transfer via Paypage Collect can also be processed with DirectLink.

Since Visa, MasterCard, Maestro, VPay, and Bancontact require 3-D Secure authentication, your account needs to be enabled to process DirectLink transactions with 3-D Secure. If you are not sure whether this is the case, you can check in your Paypage account via "Configuration" > "Account" > "Your options" whether the option "D3D (DirectLink 3-D)" is enabled in the "Available options" tab.

4. Bank transfer

Bank transfer via Paypage Collect is a fully automated payment method, meaning that nowhere in the payment process you have to do anything manually. Furthermore, compared to regular Bank transfer, Bank transfer via Paypage Collect has additional features and is integrated with the Reconciliation module.

4.1 Configuration

In your Paypage account, on the Bank transfer configuration page, FS's bank details are automatically configured, depending on the country (Bank transfer BE, FR, etc.). The customer will use these details to transfer the money from his bank account to FS.

By default, the validity of a bank transfer is set to 30 days. An automatic reminder email is sent to the customer 5 days before expiration.

You can change the validity period from a value between 5 to 30 days, and also adapt the automatic reminder emails to the customers accordingly, on the same configuration page.

4.2 Customised confirmation email

For each Bank Transfer transaction, Paypage can send a standard email with payment instructions (containing the bank transfer details) to the customer, if the customer's email address is provided.

You can choose not to have this standard email sent, and instead send a customised email from your own system, in your own company's style and wording.

To be able to send your customer the required bank transfer details, go in your  Paypage account' to "Configuration" > "Technical information" > "Transaction feedback" and configure the "Dynamic e-Commerce (or DirectLink) parameters" so that the following details are returned to you with each Bank Transfer transaction:

Field Description
BUYER_EMAIL The buyer's email address
COLLECTOR_BIC BIC code, identifier of the bank
COLLECTOR_IBAN IBAN bank account number
PAYMENT_REFERENCE

The payment reference (starts with RF, contains the PAYID)

Please make sure that these 4 fields are included and not altered in your confirmation/reminder emails.

You can retrieve these details via:

4.3 Payment process

A transaction with Bank transfer via Paypage Collect is processed differently than with pay buttons.

1. Transaction initiation

  1. The customer places an order at your webshop.
  2. On check-out, your shop's check-out page redirects the customer to the Paypage payment page, where the relevant payment methods are displayed.
  3. The customer chooses to pay with one of the available Bank transfer payment methods.
  4. On the next page, the customer finds a disclaimer, an email address field, and a confirmation button.
  5. Once confirmed, the bank details (of FS) are displayed to the customer. The transaction in your Paypage account is updated with the status "41-Waiting client payment" status.
  6. Paypage sends the transaction information to FS and displays a confirmation message to the customer. If configured, Paypage sends the transaction information to your system, and a confirmation email to the customer.

2. Transaction processing

The transaction status in your Paypage account will change automatically, depending on whether the customer has paid:

  • As soon as the customer has paid, FS will send a confirmation to our system. The status of the transaction will then automatically change to “9-Payment requested”.
  • If the customer hasn't paid, the transaction will expire. The status will first change to "61-Author. deletion waiting", and Paypage will send an EXPIRATION status to FS.

When receiving the EXPIRATION status, FS will respond in one of the two following ways:

  • If they haven’t received the money in the meantime, FS will answer EXPIRED and the transaction status will change to "6-Authorised and cancelled".
  • If they have received the money in the meantime, FS will answer DEBIT and the transaction status will change to "63-Author. deletion refused", which will afterwards be updated to status "9-Payment requested".

This way, if the payment still arrives on the day of the expiration, the transaction can be captured.

Only if the status has changed to "6-Authorised and cancelled" you should cancel the order in your system.

3. Payment by FS

Once the customer has transferred the money, based on the payment reference (the letters RF, followed by two check digits and the Paypage PAYID), created for each transaction, FS routes the money to the relevant merchant account.

If FS is not able to match the payment received with a transaction, because either:

  • The payment reference is incorrect: FS will try to manually match the transaction. If they are not able to, they will automatically return the money. The payment reference will be: "TyyyyyyyyZ Money refused". (yyyyyyyy is a range of 8 random digits)
  • The amount paid is higher or lower than expected: FS will automatically return the money, after some security checks. The payment reference will be: "TyyyyyyyyZ Money refused : payid – invalid amount or currency". (yyyyyyyy is a range of 8 random digits)

With the next payout, FS transfers the money to your bank account.

A transaction with Bank transfer via KBC-Paypage-Collect is processed differently than with pay buttons.

1. Transaction initiation

  1. The customer places an order at your webshop.
  2. On check-out, your shop's check-out page redirects the customer to the Paypage payment page, where the relevant payment methods are displayed.
  3. The customer chooses to pay with one of the available Bank transfer payment methods.
  4. On the next page, the customer finds a disclaimer, an email address field, and a confirmation button.
  5. Once confirmed, the bank details (of FS) are displayed to the customer. The transaction in your Paypage account is updated with the status "41-Waiting client payment" status.
  6. Paypage sends the transaction information to FS and displays a confirmation message to the customer. If configured, Paypage sends the transaction information to your system, and a confirmation email to the customer.

2. Transaction processing

The transaction status in your Paypage account will change automatically, depending on whether the customer has paid:

  • As soon as the customer has paid, FS will send a confirmation to our system. The status of the transaction will then automatically change to “9-Payment requested”.
  • If the customer hasn't paid, the transaction will expire. The status will first change to "61-Author. deletion waiting", and Paypage will send an EXPIRATION status to FS.

When receiving the EXPIRATION status, FS will respond in one of the two following ways:

  • If they haven’t received the money in the meantime, FS will answer EXPIRED and the transaction status will change to "6-Authorised and cancelled".
  • If they have received the money in the meantime, FS will answer DEBIT and the transaction status will change to "63-Author. deletion refused", which will afterwards be updated to status "9-Payment requested".

This way, if the payment still arrives on the day of the expiration, the transaction can be captured.

Only if the status has changed to "6-Authorised and cancelled" you should cancel the order in your system.

3. Payment by FS

Once the customer has transferred the money, based on the payment reference (the letters RF, followed by two check digits and the Paypage PAYID), created for each transaction, FS routes the money to the relevant merchant account.

If FS is not able to match the payment received with a transaction, because either:

  • The payment reference is incorrect: FS will try to manually match the transaction. If they are not able to, they will automatically return the money. The payment reference will be: "TyyyyyyyyZ Money refused". (yyyyyyyy is a range of 8 random digits)
  • The amount paid is higher or lower than expected: FS will automatically return the money, after some security checks. The payment reference will be: "TyyyyyyyyZ Money refused : payid – invalid amount or currency". (yyyyyyyy is a range of 8 random digits)

With the next payout, FS transfers the money to your bank account.

A transaction with Bank transfer via KBC-Paypage-Collect is processed differently than with pay buttons.

1. Transaction initiation

  1. The customer places an order at your webshop.
  2. On check-out, your shop's check-out page redirects the customer to the Paypage payment page, where the relevant payment methods are displayed.
  3. The customer chooses to pay with one of the available Bank transfer payment methods.
  4. On the next page, the customer finds a disclaimer, an email address field, and a confirmation button.
  5. Once confirmed, the bank details (of FS) are displayed to the customer. The transaction in your Paypage account is updated with the status "41-Waiting client payment" status.
  6. Paypage sends the transaction information to FS and displays a confirmation message to the customer. If configured, Paypage sends the transaction information to your system, and a confirmation email to the customer.

2. Transaction processing

The transaction status in your Paypage account will change automatically, depending on whether the customer has paid:

  • As soon as the customer has paid, FS will send a confirmation to our system. The status of the transaction will then automatically change to “9-Payment requested”.
  • If the customer hasn't paid, the transaction will expire. The status will first change to "61-Author. deletion waiting", and Paypage will send an EXPIRATION status to FS.

When receiving the EXPIRATION status, FS will respond in one of the two following ways:

  • If they haven’t received the money in the meantime, FS will answer EXPIRED and the transaction status will change to "6-Authorised and cancelled".
  • If they have received the money in the meantime, FS will answer DEBIT and the transaction status will change to "63-Author. deletion refused", which will afterwards be updated to status "9-Payment requested".

This way, if the payment still arrives on the day of the expiration, the transaction can be captured.

Only if the status has changed to "6-Authorised and cancelled" you should cancel the order in your system.

3. Payment by FS

Once the customer has transferred the money, based on the payment reference (the letters RF, followed by two check digits and the Paypage PAYID), created for each transaction, FS routes the money to the relevant merchant account.

If FS is not able to match the payment received with a transaction, because either:

  • The payment reference is incorrect: FS will try to manually match the transaction. If they are not able to, they will automatically return the money. The payment reference will be: "TyyyyyyyyZ Money refused". (yyyyyyyy is a range of 8 random digits)
  • The amount paid is higher or lower than expected: FS will automatically return the money, after some security checks. The payment reference will be: "TyyyyyyyyZ Money refused : payid – invalid amount or currency". (yyyyyyyy is a range of 8 random digits)

With the next payout, FS transfers the money to your bank account.

A transaction with Bank transfer via KBC-Paypage-Collect is processed differently than with pay buttons.

1. Transaction initiation

  1. The customer places an order at your webshop.
  2. On check-out, your shop's check-out page redirects the customer to the Paypage payment page, where the relevant payment methods are displayed.
  3. The customer chooses to pay with one of the available Bank transfer payment methods.
  4. On the next page, the customer finds a disclaimer, an email address field, and a confirmation button.
  5. Once confirmed, the bank details (of FS) are displayed to the customer. The transaction in your Paypage account is updated with the status "41-Waiting client payment" status.
  6. Paypage sends the transaction information to FS and displays a confirmation message to the customer. If configured, Paypage sends the transaction information to your system, and a confirmation email to the customer.

2. Transaction processing

The transaction status in your Paypage account will change automatically, depending on whether the customer has paid:

  • As soon as the customer has paid, FS will send a confirmation to our system. The status of the transaction will then automatically change to “9-Payment requested”.
  • If the customer hasn't paid, the transaction will expire. The status will first change to "61-Author. deletion waiting", and Paypage will send an EXPIRATION status to FS.

When receiving the EXPIRATION status, FS will respond in one of the two following ways:

  • If they haven’t received the money in the meantime, FS will answer EXPIRED and the transaction status will change to "6-Authorised and cancelled".
  • If they have received the money in the meantime, FS will answer DEBIT and the transaction status will change to "63-Author. deletion refused", which will afterwards be updated to status "9-Payment requested".

This way, if the payment still arrives on the day of the expiration, the transaction can be captured.

Only if the status has changed to "6-Authorised and cancelled" you should cancel the order in your system.

3. Payment by FS

Once the customer has transferred the money, based on the payment reference (the letters RF, followed by two check digits and the Paypage PAYID), created for each transaction, FS routes the money to the relevant merchant account.

If FS is not able to match the payment received with a transaction, because either:

  • The payment reference is incorrect: FS will try to manually match the transaction. If they are not able to, they will automatically return the money. The payment reference will be: "TyyyyyyyyZ Money refused". (yyyyyyyy is a range of 8 random digits)
  • The amount paid is higher or lower than expected: FS will automatically return the money, after some security checks. The payment reference will be: "TyyyyyyyyZ Money refused : payid – invalid amount or currency". (yyyyyyyy is a range of 8 random digits)

With the next payout, FS transfers the money to your bank account.

A transaction with Bank transfer via KBC-Paypage-Collect is processed differently than with pay buttons.

1. Transaction initiation

  1. The customer places an order at your webshop.
  2. On check-out, your shop's check-out page redirects the customer to the Paypage payment page, where the relevant payment methods are displayed.
  3. The customer chooses to pay with one of the available Bank transfer payment methods.
  4. On the next page, the customer finds a disclaimer, an email address field, and a confirmation button.
  5. Once confirmed, the bank details (of FS) are displayed to the customer. The transaction in your Paypage account is updated with the status "41-Waiting client payment" status.
  6. Paypage sends the transaction information to FS and displays a confirmation message to the customer. If configured, Paypage sends the transaction information to your system, and a confirmation email to the customer.

2. Transaction processing

The transaction status in your Paypage account will change automatically, depending on whether the customer has paid:

  • As soon as the customer has paid, FS will send a confirmation to our system. The status of the transaction will then automatically change to “9-Payment requested”.
  • If the customer hasn't paid, the transaction will expire. The status will first change to "61-Author. deletion waiting", and Paypage will send an EXPIRATION status to FS.

When receiving the EXPIRATION status, FS will respond in one of the two following ways:

  • If they haven’t received the money in the meantime, FS will answer EXPIRED and the transaction status will change to "6-Authorised and cancelled".
  • If they have received the money in the meantime, FS will answer DEBIT and the transaction status will change to "63-Author. deletion refused", which will afterwards be updated to status "9-Payment requested".

This way, if the payment still arrives on the day of the expiration, the transaction can be captured.

Only if the status has changed to "6-Authorised and cancelled" you should cancel the order in your system.

3. Payment by FS

Once the customer has transferred the money, based on the payment reference (the letters RF, followed by two check digits and the Paypage PAYID), created for each transaction, FS routes the money to the relevant merchant account.

If FS is not able to match the payment received with a transaction, because either:

  • The payment reference is incorrect: FS will try to manually match the transaction. If they are not able to, they will automatically return the money. The payment reference will be: "TyyyyyyyyZ Money refused". (yyyyyyyy is a range of 8 random digits)
  • The amount paid is higher or lower than expected: FS will automatically return the money, after some security checks. The payment reference will be: "TyyyyyyyyZ Money refused : payid – invalid amount or currency". (yyyyyyyy is a range of 8 random digits)

With the next payout, FS transfers the money to your bank account.

4.4 Status update

To be notified when a transaction status changes offline (from status 41 to 9 or 6), you can configure two settings in the Technical information page of your Paypage account:

You can also process (and cancel) Bank transfer transactions via DirectLink, for example to create yourself a transaction and send an invoice to your buyer per email:

  1. You receive all necessary parameters in an XML response (or via Direct Query).
  2. You send payment instructions to the buyer using COLLECTOR_IBAN / COLLECTOR_BIC / PAYMENT_REFERENCE / BUYER_EMAIL (cf. Customised confirmation email).
  3. You follow the normal Bank transfer Paypage Collect process (FS collects the money, notifies Paypage and does the payout to your account).
Field Description
BUYER_EMAIL The buyer's email address
COLLECTOR_BIC BIC code, identifier of the bank
COLLECTOR_IBAN IBAN bank account number
PAYMENT_REFERENCE The payment reference (starts with RF, contains the PAYID)

5. Payout process

FS transfers the collected funds every week.

As the money is transferred with a normal bank transfer, in general you can expect it on your bank account shortly after the payout date reported in the reconciliation module. You will recognise the bank transfer with a communication according to the following structure:

TyyyyyyyyZ xxxxx COL CDDDD.ddBDDDD.dd E

  • yyyyyyyy: a range of 8 random digits
  • xxxxxxxx: the payout reference (increasing number)
  • CDDDD.dd: commission deducted from payout amount
  • BDDDD.dd: gross amount
  • E: end

Example: T24823658Z 12345678 COL C100.20B4008.00 E

In the Reconciliation module, the statuses of the different transactions will change accordingly.

Note: In the payment process with pay buttons, an issuer/bank is always involved, meaning that the payment is processed by both the issuer and FS. Therefore, payments that are done (less than) a day before the payout may not be included in the very next payout, but in the one after.

6. Refunds

With Paypage Collect you can make refunds (full and partial) on transactions with all payment methods, only if Ingenico Financial Solution receives the IBAN/BIC from the consumer’s bank during the original transaction.

You can make refunds:

  • In your Paypage account, with the "Refund" button in the transaction overview.
  • With a DirectLink request, the same way as with refunds on credit cards.
  • With a Batch file, the same way as with refunds on credit cards.

Important

  • For transactions with Visa (and V Pay), MasterCard, Maestro and iDEAL, the Refund button is immediately available.
  • For other payment methods, a transaction performed the one day can be refunded as of the next day at 13h/1pm. In fact, the refund button appears when FS confirms to Paypage they have received the money on their bank account.

    In case of Bank transfer, it depends on when the customer has done the payment and FS has received it, and whether it concerns a national or international transfer.
  • As soon as FS has transferred the money from your balance to your bank account, there may be no or (after recent transactions) very little credit left on your balance. Consequently, at that point, if you try to make a refund, it might be delayed.
  • FS will retry to refund once every day for 7 days before returning a refund as refused.
  • If you make a refund, FS takes into account the full balance of your account, regardless of the payment method used for the original transaction.
  • Refunds are also possible on archived transactions (older than 35 days)

In case of a refund, the payment reference on the buyer's bank statement will be according to the following structure:

Merchant legal name + TxxxxxZ + Merchant order reference+(RFD+"PAYID")

7. Reporting

7.1 Reconciliation

Go to Reconciliation

7.2 Push reports

Go to Push reports.