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3xCB Cofidis

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Sogenactif is a secure multi-channel e-commerce payment solution that complies with the PCI DSS standard. It allows you to accept and manage payment transactions by taking into account business rules related to your activity (payment upon shipping, deferred payment, recurring payment, payment in instalments, etc.).

The purpose of this document is to explain the 3xCBCofidis payment mean integration into Sogenactif.

This document is intended to help you implement the 3xCBCofidis payment mean on your e-commerce site.

It includes:

  • functional information for you
  • implementation instructions for your technical team

To get an overview of the Sogenactif solution, we advise you to consult the following documents:

  • Functional presentation
  • Functionality set-up

For any question or request for technical assistance, you can contact the usual Sogenactif support on 0 825 090 095 (0.15€/min + call charge - rate as of 02/11/2022) from Monday to Friday, from 9am to 7pm, excluding public holidays, or write to supportsogenactif@worldline.com specifying your VAD or MID contract number for a more efficient handling of your request.

Cofidis, a French company specialised in credit, offers a mean of payment allowing to pay for online purchases in 3 instalments, with a credit card.

During a Cofidis payment, the customer is redirected to the Cofidis credit file opening application. At the end of the entry, they are informed online of the credit request result.

3xCB Cofidis payment mean is available for France, Spain and Belgium .

Payment channels
Internet V Default payment channel
Fax X
Means of payment
Immediate payment V
End-of-day payment V
Deferred payment V Limited to 6 days
Payment upon shipping V Limited to 6 days
Payment in instalments X
Subscription payment X
Batch payment X
OneClick payment X
Currency management
Multicurrency acceptance X EUR (978) only
Currency settlement X EUR (978) only

The customer selects the 3xCBCofidis payment mean.

They ares then redirected to the required information entry page.

At the end of the kinematic, the payment ticket is displayed, then the customer returns to your website.

In order to offer the 3xCBCofidis payment mean on your website, you have to sign an acceptance contract with Cofidis. Thereafter, you transmit us the contract number for recording in our information system.

You can offer the 3xCBCofidis payment mean through the Sogenactif Paypage interface.

The remittance modes available for a Cofidis transaction are:

  • Cancellation mode: default mode allowing transaction remittance on a predefined date, called capture delay. When this capture delay is reached, the remittance is sent automatically. This delay is set via the captureDay field with its 0 default value (end-of-day payment).
  • Validation mode: you must validate the transaction to trigger the remittance. A capture delay must also be defined. When this capture delay is reached or exceeded, you will not be able to validate the transaction, which will therefore expire automatically.
  • Immediate mode : the authorisation and remittance are executed online simultaneously.

The diagram below explains the different transaction statuses according to the chosen capture mode:

Description of the possible statuses for a 3xCBCofidis transaction

In validation mode (captureMode = VALIDATION), if the transaction is accepted, it is set to status TO_VALIDATE. In cancellation mode (captureMode = AUTHOR_CAPTURE), if the transaction is accepted, it is set to TO_CAPTURE status. In immediate mode (captureMode = IMMEDIATE), if the transaction is accepted, it is set to CAPTURED status. Regardless of the capture mode, if the transaction is refused (responseCode not equal to 00), it is set to status REFUSED.

The payment process for Sogenactif Paypage is described below:

Steps of a 3xCBCofidis payment via Paypage

1) The customer proceeds with the payment. 2) They are redirected to the means of payment selection page hosted by Sogenactif, they select 3xCBCofidis or 4xCBCofidis and enter their card number. 3) They are redirected to the Cofidis page where they authenticate themselves. 4) They are redirected to a Sogenactif page. 5) If they click on the back to eshop button, they are redirected to your website which triggers the manual response to be sent. 6) Sogenactif sends an automatic response.

This part lists all the data exchanged between the various actors (merchant, Sogenactif, Cofidis) during a payment request.

Some fields that you have populated allow to pre-fill the form hosted by Cofidis.

Field name Remarks/rules
captureDay The value sent in the request must be 6 at a maximum.
A larger value will be forced to 6.
paymentPattern Tհe value sent in the request is ignored.
The payment type is forced to ONE_SHOT.
orderId Mandatory: 15 alphanumeric characters maximum
amount Formated in cents: 9 digits maximum


Optional (N7).
Your preliminary risk scoring on the transaction.
Setting a value in this field must be done in accordance with Cofidis for a 3xCB payment request.


Customer IP address.
subMerchantName Identifier of the merchant of the Payment Facilitator in the context of Collecting offer or a Marketplace offer.
customerContact Mandatory.
Cf. the tables below for more details.
customerId Optional. (15 characters maximum)

Customer identifier.

customerData Optional.
Cf. the tables below for more details.
customerAddress Optional.
Cf. the tables below for more details.
customerLanguage Allows to choose the language used on Sogenactif and Cofidis pages.
shoppingCartDetail Optional.
Cf. the tables below for more details.
Attention: Cofidis sends you the recommendations to populate the preScoreValue field. These instructions are not controlled by Sips because they do not block the payment processing.


Field name Remarks/rules
customerContact.title Customer's title (MR, MRS or MISS)
customerContact.firstname Customer's first name (32 characters maximum)
customerContact.lastname Customer's name (32 characters maximum)
customerContact.phone Landline number (10 numeric characters maximum)
customerContact.mobile Mobile phone number (10 numeric characters maximum)
customerContact.email E-mail address


Field name Remarks/rules
customerData.birthDate Birth date
customerData.birthZipCode Birth province (32 characters maximum)
customerData.birthCity Birthplace
customerData.birthCountry Country of birth
customerData.nationalityCountry Country of nationality
customerData.maidenName Maiden name (32 characters maximum)


Field name Remarks/rules


Street number (5 numeric characters maximum)
customerAddress.street Street name (40 characters maximum)
customerAddress.streetAdditional1 Addition to the address (32 characters maximum)
customerAddress.zipCode Postal code (5 characters maximum)
customerAddress.city City (32 characters maximum)
customerAddress.country Country code
customerAddress.postBox Boîte postale de l'adresse (8 characters maximum)
customerAddress.state Etat/département de l'adresse (2 numeric characters maximum)


Attention: shoppingCartItemList is a complex object.
Please refer to the integration guide of the connector you have chosen to integrate to learn you to implement this field.
Field name Remarks/rules
shoppingCartDetail.shoppingCartTotalQuantity Total quantity of all products in the basket (2 numeric characters maximum)
shoppingCartDetail.discountAmount 1 if a discount has been made, 0 else
shoppingCartDetail.shoppingCartItemList.itemX.productUnitAmount Unit amount of the product
shoppingCartDetail.shoppingCartItemList.itemX.​productDescription Detailed description of the ordered product
shoppingCartDetail.shoppingCartItemList.itemX.productCategory Category of the ordered product (20 characters maximum)
shoppingCartDetail.shoppingCartItemList.itemX.productCode Ordered product code (15 characters maximum)
shoppingCartDetail.shoppingCartItemList.itemX.productQuantity Product quantity in the cart (3 numeric characters maximum)
shoppingCartDetail.shoppingCartItemList.itemX.productName Ordered product name (20 characters maximum)


Nom du champ Remarques / règles
deliveryData.deliveryChargeAmount Total charge of the order delivery (7 numeric characters maximum)

1 – Withdrawal at the merchant

2 – Network of withdrawal points

3 - Withdrawal at a train station, an airport, a travel agency

4 – Carrier (eg. La poste, Colissimo, UPS, private carrier)

5 – Electronic ticket

6 – Locker, pick-up point without identity check

7 – autre


S - Strandard

E – Express

I – Immediate

O - Other

deliveryData.deliveryOperator Delivery provider (50 characters maximum)


Nom du champ Remarques / règles


Number of the street of the address (5 numeric characters maximum)
deliveryAddress.street Name of the street of the address (40 characters maximum)
deliveryAddress.streetAdditional1 Addition to the address (32 characters maximum)
deliveryAddress.zipCode Postal code for the address (5 characters maximum)
deliveryAddress.city City (32 characters maximum)
deliveryAddress.country Coutry code
deliveryAddress.postBox Post box for the address (8 characters maximum)
deliveryAddress.state Country/region of the address (2 numeric characters maximum)


Nom du champ Remarques / règles
deliveryContact.mobile Mobile phone number for the contact (15 characters maximum)


Nom du champ Remarques / règles
travelData.stayDataList.stayDataX.stayDepartureDateTime Departure date of stay
travelData.stayDataList.stayDataX.stayArrivalDateTime Arrival date of stay
travelData.stayDataList.stayDataX.stayCategory Nature of service for the stay
travelData.stayDataList.stayDataX.stayLocation Country code


Nom du champ Remarques / règles
customerAccountHistoric.creationDate Customer registration date on merchant site
customerAccountHistoric.firstPurchaseDate First customer purchase date
customerAccountHistoric.lastPurchaseDate Last customer purchase date
customerAccountHistoric.numberOfPurchase180Days Number of purchases made on the customer's account via the merchant site over the last six months (last 180 days) (2 numeric characters maximum)
customerAccountHistoric.numberOfTransactionYear Number of accepted or abandoned transactions in the last year on the merchant's customer account. (2 numeric characters maximum)

The following table summarises the different response cases to be processed:

Status Response fields Action to take
Payment accepted acquirerResponseCode = 00
paymentMeanBrand = COFIDIS_3X
paymentMeanType = ONLINE_CREDIT
responseCode = 00
You can deliver the order.
Acquirer refusal acquirerResponseCode = (cf. the Data Dictionary).
responseCode = 05
The authorisation is refused for a reason unrelated to fraud.
If you have not opted for the "new payment attempt" option (please read the Functionality set-up Guide for more details), you can suggest that your customer pay with another means of payment by generating a new request.
Refusal due to the number of attempts reached responseCode = 75 The customer has made several attempts that have all failed.
Refusal due to a technical issue acquirerResponseCode = 90-98
responseCode = 90, 99
Temporary technical issue when processing the transaction. Suggest that your customer redo a payment later.

For the complete response codes (responseCode) and acquirer response codes (acquirerResponseCode), please refer to the Data dictionary.

the 3xCBCofidis payment mean acceptance is not available through the Sogenactif Office Serveur solution.

The following operations are available on 3xCBCofidis

Cash management
Cancellation V
Cancellation available on the total or partial amount of the transaction.
Validation V
Validation available on the total or partial amount of the transaction.
Refund V
Refund available on the total or partial amount of the transaction.
Duplication X

The diagram below explains which cash management operation is available when a transaction is in a given status:

Diagram very complex to describe, please contact support sips@worldline.com

The reports provided by Sogenactif allow you to have a comprehensive and consolidated view of your transactions, cash operations, accounts and chargebacks. You can use this information to improve your information system.

The availability of transactions for each type of report is summarised in the table below:

Reports availability
Transactions report V
Operations report V
Reconciliations report X
Chargebacks report X
Note: for 3xCBCofidis transactions, the paymentMeanBrand field is populated with the value COFIDIS_3X

You can view your transactions and perform various cash management operations with Sogenactif Gestion.

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