Skip to main content
Partner logo
Cofidis Paylater
Cofidis Group was built around an original concept: online lending. In 1982, Cofidis was the first consumer credit company to offer lines of credit over the phone, followed by the launch of online consumer credit in 2000. This unique skill set made it possible for the Group to develop its activities throughout Europe.
Source: https://www.cofidis-group.com/en/lending/

Features

Integration type

Redirection
Tokenization

No

Payment Flow

1-step payment flow : Capture (direct debit)
2-step payment flow : Authorization + Capture
3-step payment flow : Pending Authorization + Authorization + Capture (asynchrone workflow)

Additional features

Information request and CIT
MIT
Server-to-server

How to test?

info

Cofidis only finances French B2C customers. Your Create Session call must contain an order.customer node, valued with French customer data. If order.customer.company is valued, your payment will be refused.

Code Examples

Request

curl --location --request POST "https://api.preprod.upstreampay.com/${ENTITY_ID}/sessions/create" --header 'Content-Type: application/json' --header "x-api-key: ${API_KEY}" --header "Authorization: Bearer ${ACCESS_TOKEN}" --data-raw '${RequestExamples.sessionRequest}'

Response

{
  "id": "8c099327-00ec-4763-ba09-56c1d38fd86e",
  "amount": 679.98,
  "currency_code": "EUR",
  "expiration_date": "2023-06-27T11:25:05.11115Z",
  "protocols": {
    "cofidis": {
      "paylater": {
        "contracts": {
          "APPLY": {
            "mandatory": {
              "amount": 0,
              "currency_code": "EUR",
              "customer": {
                "gender_code": "unknown",
                "locale_code": "und",
                "billing_address": {
                  "address_lines": [
                    "line1",
                    "line2"
                  ]
                }
              },
              "shipments": [
                {
                  "delivery_type_code": "user_delivery",
                  "delivery_quickness_code": "regular",
                  "shipping_address": {
                    "address_lines": [
                      "line1",
                      "line2"
                    ]
                  },
                  "item_lines": [
                    {
                      "price": 10,
                      "quantity": 1
                    }
                  ]
                }
              ]
            },
            "optional": {}
          }
        },
        "configurations": {
          "stable": true,
          "position": 13,
          "template": "cofidis_paylater",
          "vault": {
            "vendor": "none",
            "token_scope": "solution",
            "external_three_ds_enabled": false
          },
          "settings": {
            "direct_debit": false,
            "payment_time": "ON_ORDER",
            "payment_min_amount": 0,
            "payment_max_amount": 999999999999,
            "save_token": false,
            "pay_token": true,
            "refund_priority": 0,
            "refund_type": "AUTO",
            "refund_backup": "MANUAL"
          },
          "labels": [
            "cofidis",
            "paylater",
            "primary"
          ]
        }
      }
    }
  },
  "vault": {},
  "success": "https://example.com/redirection",
  "failure": "https://example.com/redirection"
}

Test Cards

CredentialsSUCCESSREFUSED
Card number0000 0100 0000 00230000 0100 0000 0024
Expiry dateany future month and yearany future month and year
CVCany 3 randoms numbersany future month and year
info

As you can see on the table below, order.customer.billing_adress.last_name can be valued with a specific prefix to test acceptance: "IP"

Data Mapping & Mandatory Fields

Below is the mapping between your Create Session request and the fields expected by this payment method.

Purse Session fieldMandatory
amountYes
order.redirectionYes
order.referenceNo
order.amountNo
order.currency_codeNo
customer.referenceNo
customer.type_codeNo
customer.gender_codeNo
customer.first_nameNo
customer.last_nameNo
customer.birthdateNo
customer.ipNo
customer.locale_codeNo
customer.billing_address.delivery_point_nameNo
customer.billing_address.first_nameNo
customer.billing_address.middle_nameNo
customer.billing_address.last_nameNo
customer.billing_address.address_linesNo
customer.billing_address.cityNo
customer.billing_address.postal_codeNo
customer.billing_address.country_codeNo
customer.billing_address.province_codeNo
customer.billing_address.emailNo
customer.billing_address.phoneNo
customer.billing_address.mobile_phoneNo
customer.billing_address.work_phoneNo
customer.account.purchase_count_last_six_monthsNo
customer.additional_attributes.national_identifierNo
shipments.amountNo
shipments.delivery_type_codeNo
shipments.delivery_quickness_codeNo
shipments.shipping_address.delivery_point_nameNo
shipments.seller_referenceNo
shipments.item_lines.type_codeNo
shipments.item_lines.sku_referenceNo
shipments.item_lines.nameNo
shipments.item_lines.priceNo
shipments.item_lines.quantityNo

Payment Labels

LabelMethodPayment type
cofidispaylaterprimary (payment by installments)

Actions

ActionMandatory fieldsOptional fields
APPLY
amount
0
success
failure
reference
currency_code
EUR
customer
{"reference":"","first_name":"","last_name":"","gender_code":"","locale_code":"","birthdate":"","billing_address":{"address_lines":["line1","line2"],"mobile_phone":"","postal_code":"","city":"","country_code":"","email":"","phone":""}}
shipments
[{"shipping_address":{"address_lines":["line1","line2"],"postal_code":"","city":"","country_code":""},"delivery_type_code":"","delivery_quickness_code":"","estimated_delivery_date_time":"","item_lines":[{"sku_reference":"","name":"","quantity":1,"price":10}]}]
-

Status

PSP statusStateCodeDescription
SUCCESSSUCCESSSUCCEEDEDSuccessfully
000SUCCESSSUCCEEDEDSuccessfully
INITIALIZEDSUCCESSSUCCEEDEDInitialize method has been successfully called.
INITIALIZE_TO_RETRYERRORBAD_REQUESTInitialize method called with missing or not valued fields while required.
ERRORERRORFAILEDThe partner returned an error
PENDINGWAITINGWAITING_PARTNER_RESPONSEPENDING : Suite à un parcours de moyen de paiement, l’internaute a vu sa demande être mise en attente de décision pour étude approfondie.
ABORTEDERRORABORTED_BY_CUSTOMERABORTED : Payment in timeout or browser window closed by customer
REFUSEDERRORREJECTED_BANKREFUSED : Payment was refused
REFUNDEDSUCCESSSUCCEEDEDREFUNDED : Payment has been refunded
REFUND_FAILEDERRORFAILEDREFUND_FAILED : Refund method has been called but transaction couldn't end up well.
REFUND_TO_RETRYERRORBAD_REQUESTREFUND_TO_RETRY : Refund method called with missing or not valued fields while required.
VALIDATEDSUCCESSSUCCEEDEDVALIDATED : Transaction is completed
VALIDATE_FAILEDERRORFAILEDVALIDATE_FAILED: Validate method has been called but transaction couldn't end up well.
VALIDATE_TO_RETRYERRORBAD_REQUESTVALIDATE_TO_RETRY: , Validate method called with missing or not valued fields while required.
CANCELLEDSUCCESSSUCCEEDEDCANCELLED : Payment has been cancelled
CANCEL_FAILEDSUCCESSSUCCEEDEDCANCEL_FAILED : Error while payment tried to be cancelled
CANCEL_TO_RETRYERRORBAD_REQUESTCANCEL_TO_RETRY : Cancelled method called with missing or not valued fields while required.
AUTHORIZEDSUCCESSSUCCEEDEDAUTHORIZED : Payment has been authorized.
TO_CONFIRMSUCCESSSUCCEEDEDTO_CONFIRM : Transaction is accepted and need to be confirmed by calling confirm.
CONFIRM_REFUSEDERRORFAILEDCONFIRM_REFUSED: Amount couldn't be reserved.
CONFIRM_FAILEDERRORFAILEDCONFIRM_FAILED: Confirm method has been called but transaction couldn't end up well.
CONFIRM_TO_RETRYERRORBAD_REQUESTCONFIRM_TO_RETRY: Confirm method called with missing or not valued fields while required.
UNDEFINEDSUCCESSSUCCEEDEDUNDEFINED: Payment process initiated but no exit from the process has been carried out (process always in progress or abandoned by user).
ABANDONEDERRORREJECTED_BANKABANDONED: Payment process abandoned.
UNKNOWN_RESPONSEERRORUNKNOWNUNKNOWN_RESPONSE: Unknown status code received.
SESSION_DATA_NOT_OKSUCCESSBAD_REQUESTSession data doesn't meet the partner's requirements
GET_STATUS_FAILEDERRORBAD_REQUESTGET_STATUS_FAILED: Get Status method call failed.