Presentation of the service
Management of payments by token
The payment by token management service allows merchants to offer their buyer the possibility to associate a token with a payment method, which will facilitate their subsequent payments on the website (no more need to re-enter the credit card number or the IBAN).
Tokens allow you to:
- Make fast and secure payments.
The buyer no longer has to fill in bank details when making subsequent payments (1-click payment).
The gateway stores the bank details in a highly secure environment, in accordance with the PCI-DSS requirements. Only the token is transferred during the exchange.
- Make recurring payments (subscriptions).
- Identify cards that are due to expire, in order to notify the Merchant via a file containing the token of the expiring card.
- Update the bank details associated with a token via the payment page, or manually via the Expert Back Office.
- Automatically detect if the payment method has expired and offer an update in case of payment by token.
- When creating a token, detect if the payment method has been previously registered.
- Manage other buyer detail updates.
In compliance with the banking data security and protection rules implemented by PCI DSS, the payment method details are destroyed after the associated token has not been used for 15 months.
The token will remain visible in the Expert Back Office and can be updated with new details.
Recurring payment (subscription) management
The recurring payment management service allows merchants to create subscriptions with fixed amounts and payment schedule, also known as “recurring payments”, with or without an expiry date, within the limits of the card validity period.
When creating a recurring payment, the merchant defines the start date, the amount of the installments and the recurrence rule to apply.
Once the start date (also known as the “effective date”) has been reached, the payment gateway automatically processes the installments.
After that, the merchant can no longer edit the amount of the installment payments.
To be notified of the result of a deadline, the Instant Payment Notification URL when creating a recurring payment rule must be activated and configured from the Expert Back Office (menu Settings > Notification rules).
In TEST mode, the transaction corresponding to the first installment is created no later than 1 hour after the subscription, according to the schedule determined by the subscription rule.
In PRODUCTION mode, transactions are created once a day between midnight and 5:00 am, in the Europe/Paris time zone.
