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About Cetelem Presto

General information about Cetelem Presto

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Excerpt

Presto is an online credit solution, facilitated by Cetelem as part of BNPP Personal Finance. With this means of payment, merchants provide the financing capability for major purchases, to their customers, who can further pay by installments, ranging between 4-48 installments and order amount ranging between €150 to €16,000.

Consumers can purchase directly online on the merchant online stores supporting Cetelem Presto as payment method, proceeding the necessary step including e-signature on the BNP PF credit application form. The approval can be instant for complete applications or within 48 hours for incomplete credit applications.

Type

Payments by Invoice and Installments

Process flow chart

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Cetelem Presto process flow

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Paygate

interface

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PageWithExcerpt	Definition EN

Payment with Cetelem Presto via

Paygate

form interface

To make a payment with Cetelem Presto, please use the following URL:

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https://www.computop-paygate.com/

CetelemPresto.aspx

Notice: For security reasons, Paygate rejects all payment requests with formatting errors. Therefore please use the correct data type for each parameter.Notice: Please keep in mind that a session expires within 60 minutes. An iFrame integration is not recommended.

Multiexcerpt include

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MultiExcerptName	Request_Intro
PageWithExcerpt	Reuse API

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sparkName	Sparkline
hidePane	true
datepattern	dd M yy
id	1655301521555_-1048755292
worklog	365\|5\|8\|y w d h m\|y w d h m
isOR	AND
separator	Point (.)
order	0

Multiexcerpt

MultiExcerptName	cetelempresto_request

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export-csv	false
id	1655301521557_-239901858
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worklog	365\|5\|8\|y w d h m\|y w d h m
separator	.
export-pdf	false
sql	SELECT * FROM T*

Table Excerpt Include

static	true
name	MerchantID
page	MerchantID
type	page

Table Excerpt Include

static	true
name	TransID
page	TransID
type	page

Key	Format	CND	Description	Beschreibung

The following table describes the encrypted payment request parameters:

Parameter

Format

CND

Description

MerchantID

ans..30

M

ID of merchant. Additionally this parameter has to be passed in plain language too.

TransID

ans..64

M

Merchant's transaction number, which shall be unique for each payment

RefNr

an..13

C

Supplementary transaction identifier. Only the following characters are allowed:

Alphabetical letters [A-Za-z] (from A to Z lower or upper case)
Numbers [0-9] (from 0 to 9)

Notice: If RefNr is not present, TransID will be used instead. Therefore in such case TransID should meet format and length of RefNr.

Amount

n..10

M

Amount in the smallest currency unit (e.g. EUR Cent)

Please contact the helpdesk, if you want to capture amounts <100 (smallest currency unit).

Currency

a3

M

Currency, three digits DIN / ISO 4217. Only EUR is permissible.

MAC

an64

M

Hash Message Authentication Code (HMAC) with SHA-256 algorithm

URLSuccess

ans..256

M

Complete URL which calls up Paygate if payment has been successful. The URL may be called up only via port 443 This URL may not contain parameters: In order to exchange values between Paygate and shop, please use the parameter UserData.

URLFailure

ans..256

M

Complete URL which calls up Paygate if payment has been unsuccessful. The URL may be called up only via port 443 This URL may not contain parameters: In order to exchange values between Paygate and shop, please use the parameter UserData.

Response

a7

O

Status response sent by Paygate to URLSuccess and URLFailure, should be encrypted. For this purpose, transmit Response=encrypt parameter.

URLNotify

ans..256

M

Complete URL which Paygate calls up in order to notify the shop about the payment result. The URL may be called up only via port 443 It may not contain parameters: Use the UserData parameter instead.

UserData

ans..1024

O

If specified at request, Paygate forwards the parameter with the payment result to the shop

ReqID

ans..32

O

To avoid double payments, enter an alphanumeric value which identifies your transaction and may be assigned only once. If the transaction is submitted again with the same ReqID, Paygate will not carry out the payment, but will just return the status of the original transaction. Please note that the Paygate must have a finalized transaction status for the first initial action. Submissions with identical ReqID for an open status will be processed regularly.

Plain

ans..50

O

A value to be set by the merchant to return some information unencrypted, e.g. the MID

Custom

ans..1024

O

The merchant can submit several values separated by | which are returned unencrypted and separated by &.

Ergänzende Transaktionskennung. Es sind nur folgende Zeichen erlaubt:

Alphabetische Buchstaben [A-Za-z] (von A bis Z Klein- oder Großbuchstaben)
Zahlen [0-9] (von 0 bis 9)

Hinweis: Wenn RefNr nicht vorhanden ist, wird stattdessen TransID verwendet. Daher sollte die TransID in diesem Fall Format und Länge der RefNr entsprechen.

Table Excerpt Include

static	true
name	Amount
page	Amount
type	page

Table Excerpt Include

static	true
name	Currency_EUR
page	Currency
type	page

Table Excerpt Include

static	true
name	MAC
page	MAC
type	page

Table Excerpt Include

static	true
name	URLSuccess
page	URLSuccess
type	page

Table Excerpt Include

static	true
name	URLFailure
page	URLFailure
type	page

Table Excerpt Include

static	true
name	Response
page	Response
type	page

Table Excerpt Include

static	true
name	URLNotify
page	URLNotify
type	page

Table Excerpt Include

static	true
name	UserData
page	UserData
type	page

Table Excerpt Include

static	true
name	ReqId-ans..32
page	ReqId
type	page

Table Excerpt Include

static	true
name	Plain
page	Plain
type	page

Table Excerpt Include

static	true
name	Custom
page	Custom
type	page

Key	Format	CND	Description	Beschreibung

Custom=session=123|id=456 will change in the answer to Session=123&id=456


Language	a2	O	Language of Cetelem page. Possible values: FR	Sprache der Cetelem-Seite. Mögliche Werte: FR
GoodsCategory	n3	M	Category of the good(s). Possible values are shown in the table below. Note:

Paygate

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does not make any validation and act as a forwarder for this parameter.

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Kategorie der Ware(n). Mögliche Werte sind in der folgenden Tabelle aufgeführt.

Hinweis: Das

Multiexcerpt include

SpaceWithExcerpt	DE
MultiExcerptName	Platform-Kurz
PageWithExcerpt	DE:Wording

nimmt keine Validierung vor und fungiert als Weiterleitung für diesen Parameter.

Image Added

InstallmentAmount

n..10

O

monthly

			Customer information	Kundeninformationen
Monthly rate	Monatsrate
InstallmentNumber	n..2	O	Number of month of the payment by installments (1-48)	Anzahl der Monate der Ratenzahlung (1-48)
Salutation	ans..10	O	Salutation. Values accepted: Mr/MR, Mrs/MME, Miss/MLE	Anrede. Zulässige Werte: Mr/MR, Mrs/MME, Miss/MLE
FirstName	ans..23	M	First name of the customer	Vorname des Kunden
LastName	ans..23	M	Last name of the customer	Nachname des Kunden
MaidenName	ans..30	O	Maiden name of the customer	Mädchenname des Kunden
DateOfBirth	ns10	O	Date of birth within format YYYY-MM-DD	Geburtsdatum im Format JJJJ-MM-TT
NatIdentNr	ans..20	O	National identification	Nationale Identifikation
Phone	a8..15	O	Phone number (fixed network)	Telefonnummer (Festnetz)
MobileNr	a8..15	O	Phone number (mobile)	Telefonnummer (mobil)
Email	ans..49	M	E-Mail-Address of the customer	E-Mail-Adresse des Kunden
AddrStreet	ans..32	M	Street name and street number	Straßenname und Hausnummer
AddrStreet2	ans..32	O	Address addition	Adresszusatz
AddrZIP	n5	M	Postal code	Postleitzahl
AddrCity	ans..30	M	Town/city	Ort
WorkPhone	ans..10	O	Phone number (business)	Telefonnummer (geschäftlich)

Parameters for payments with Celetem Presto

The following table describes the result parameters that the Paygate transmits to your URLSuccess, URLFailure or URLNotify. If you have specified the Response=encrypt parameter, the following parameters are forwarded Blowfish encrypted to your system:

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hideColumns	true
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hidePane	true
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id	1655304255903_-1173931683
worklog	365\|5\|8\|y w d h m\|y w d h m
isOR	AND
separator	Point (.)
order	0

Multiexcerpt

MultiExcerptName	cetelempresto_response

Table Transformer

dateFormat	dd M yy
export-word	false
show-source	false
export-csv	false
id	1655304255906_-6228240
transpose	false
worklog	365\|5\|8\|y w d h m\|y w d h m
separator	.
export-pdf	false
sql	SELECT * FROM T*

Table Excerpt Include

static	true
name	MID
page	mid
type	page

Table Excerpt Include

static	true
name	PayID
page	PayID
type	page

Table Excerpt Include

static	true
name	XID
page	XID
type	page

Table Excerpt Include

static	true
name	TransID
page	TransID
type	page

Key	Format	CND	Description	Beschreibung

Parameter

Format

CND

Description

MID

ans..30

M

ID of merchant, assigned by Computop

PayID

an32

M

ID assigned by Paygate for the payment, e.g. for referencing in batch files

XID

an32

M

ID for all single transactions for one payment assigned by Paygate

TransID

ans..64

M

Merchant’s transaction number

RefNr

an..13

C

Supplementary transaction identifier. Only the following characters are allowed:

Alphabetical letters [A-Za-z] (from A to Z lower or upper case)
Numbers [0-9] (from 0 to 9)

Notice: If RefNr is not present, TransID will be used instead. Therefore in such case TransID should meet format and length of RefNr.

Status

a..30

M

OK or AUTHORIZE_REQUEST in the case of URLSuccess and FAILED in the case of URLFailure

Description

ans..1024

M

Further details in the event that payment is rejected. Please do not use the Description but the Code parameter for the status analysis!

Code

n8

M

Error code according to Paygate Response Codes (A4 Error codes)

MAC

an64

M

Hash Message Authentication Code (HMAC) with SHA-256 algorithm

Ergänzende Transaktionskennung. Es sind nur folgende Zeichen erlaubt:

Alphabetische Buchstaben [A-Za-z] (von A bis Z Klein- oder Großbuchstaben)
Zahlen [0-9] (von 0 bis 9)

Hinweis: Wenn RefNr nicht vorhanden ist, wird stattdessen TransID verwendet. Daher sollte die TransID in diesem Fall Format und Länge der RefNr entsprechen.

Table Excerpt Include

static	true
name	Status_OK_AUTHORIZE_REQUEST
page	Status
type	page

Table Excerpt Include

static	true
name	Description
page	Description
type	page

Table Excerpt Include

static	true
name	Code
page	Code
type	page

Table Excerpt Include

static	true
name	MAC
page	MAC
type	page

Table Excerpt Include

static	true
name	UserData
page	UserData
type	page

Key	Format		CND	Description	Beschreibung

UserData

ans..1024

O

If specified at request, Paygate forwards the parameter with the payment result to the shop


TransactionID	ans..32		M

Cetelem contract number

Unique transaction number with PPRO	Eindeutige Transaktionsnummer bei PPRO
CodeExt	ans..256	O	External error code	Externer Fehlercode
ErrorText	ans..256	O	Description of external error code	Beschreibung des externen Fehlercodes

Table Excerpt Include

static	true
name	Plain

ans..50

O

A value to be set by the merchant to return some information unencrypted, e.g. the MID


page	Plain
type	page

Table Excerpt Include

static	true
name	Custom
page	Custom
type	page

Custom

ans..1024

O

The merchant can submit several values separated by | which are returned unencrypted and separated by &.

Custom=session=123|id=456 will change in the answer to Session=123&id=456

Return parameters for URLSuccess, URLFailure or URLNotify with Cetelem Presto

Credit with reference

Credits (refunds) are possible via a Server-to-Server connection. For a Credit with reference to a capture the amount of the Credit is limited to the amount of the previous capture.

To carry out a credit with a reference transaction, please use the following URL:

Multiexcerpt include

SpaceWithExcerpt	EN
MultiExcerptName	BaseURL
PageWithExcerpt	Wording

https://www.computop-paygate.com/

credit.aspx

Notice: For security reasons, Paygate rejects all payment requests with formatting errors. Therefore please use the correct data type for each parameter.

The following table describes the encrypted payment request parameters:

Parameter

Format

CND

Description

MerchantID

ans..30

M

ID of merchant. Additionally this parameter has to be passed in plain language too.

PayID

an32

M

ID assigned by Paygate for the payment to be credited

TransID

ans..64

M

ID assigned by Merchant for the payment process to be credited

Amount

n..10

M

Amount in the smallest currency unit (e.g. EUR Cent)

Please contact the helpdesk, if you want to capture amounts < 100 (smallest currency unit).

Currency

a..3

M

Currency code, three digits DIN / ISO 4217

MAC

an64

M

Hash Message Authentication Code (HMAC) with SHA-256 algorithm

ReqIDans..32OTo avoid double payments, enter an alphanumeric value which identifies your transaction and may be assigned only once. If the

Multiexcerpt include

SpaceWithExcerpt	EN
MultiExcerptName	Request_Intro
PageWithExcerpt	Reuse API

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isFirstTimeEnter	false
hideColumns	true
sparkName	Sparkline
hidePane	true
datepattern	dd M yy
id	1655300608840_-1458416335
worklog	365\|5\|8\|y w d h m\|y w d h m
isOR	AND
separator	Point (.)
order	0

Multiexcerpt

MultiExcerptName	credit_request

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dateFormat	dd M yy
export-word	false
show-source	false
export-csv	false
id	1655300608842_-1712596115
transpose	false
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sql	SELECT * FROM T*

Table Excerpt Include

static	true
name	MerchantID
page	MerchantID
type	page

Table Excerpt Include

static	true
name	PayID_Credit
page	PayID
type	page

Table Excerpt Include

static	true
name	TransID
page	TransID
type	page

Table Excerpt Include

static	true
name	Amount
page	Amount
type	page

Table Excerpt Include

static	true
name	Currency
page	Currency
type	page

Table Excerpt Include

static	true
name	MAC
page	MAC
type	page

Table Excerpt Include

static	true
name	ReqId-ans..32
page	ReqId
type	page

transaction is submitted again with the same ReqID, Paygate will not carry out the payment, but will just return the status of the original transaction. Please note that the Paygate must have a finalized transaction status for the first initial action. Submissions with identical ReqID for an open status will be processed regularly.

Parameters for credit payments with Cetelem Presto via socket connection

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MultiExcerptName	credit_response

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dateFormat	dd M yy
export-word	false
show-source	false
export-csv	false
id	1655300534085_679321637
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Table Excerpt Include

static	true
name	MID
page	mid
type	page

Table Excerpt Include

static	true
name	PayID
page	PayID
type	page

Table Excerpt Include

static	true
name	XID
page	XID
type	page

Table Excerpt Include

static	true
name	TransID
page	TransID
type	page

Table Excerpt Include

static	true
name	Status_OK_FAILED
page	Status
type	page

Table Excerpt Include

static	true
name	Description
page	Description
type	page

Table Excerpt Include

static	true
name	Code
page	Code
type	page

The following table describes the Paygate response parameters:

Parameter

Format

CND

Description

MID

ans..30

M

ID of merchant, assigned by Computop

PayID

an32

M

ID assigned by Paygate for the payment, e.g. for referencing in batch files

XID

an32

M

ID for all single transactions (authorisation, capture, credit note) for one payment assigned by Paygate

TransID

ans..64

M

Merchant’s transaction number

Status

a..30

M

OK or FAILED

Description

ans..1024

M

Further details in the event that payment is rejected. Please do not use the Description but the Code parameter for the transaction status analysis!

Code

n8

M

Error code according to Paygate Response Codes (A4 Error codes)

Response parameters for credit payments with Cetelem Presto via socket connection

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interface

Payment with Cetelem Presto via

form interface

Credit with reference

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Process flow chart

Multiexcerpt includeSpaceWithExcerptENMultiExcerptNamePlatform-KurzPageWithExcerptWording

interface

Payment with Cetelem Presto via

form interface

Credit with reference

Multiexcerpt include
SpaceWithExcerpt EN
MultiExcerptName Platform-Kurz
PageWithExcerpt Wording