Cofidis Loan

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 (asynchronous 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 contains an order.customer node valued with French customer data.

Basic test cards

Credentials	SUCCESS	REFUSED
Card number	0000 0100 0000 0023	0000 0100 0000 0024
Expiry date	any future month and year	any future month and year
CVC	any 3 randoms numbers	any future month and year

Data Mapping & Mandatory Fields

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

Purse Session field	Mandatory
amount	Yes
order.redirection	Yes
order.reference	No
customer.reference	No
customer.billing_address.address_lines	No
customer.billing_address.city	No
customer.billing_address.postal_code	No
customer.billing_address.country_code	No
customer.billing_address.province_code	No
customer.billing_address.email	No
customer.billing_address.phone	No
customer.billing_address.mobile_phone	No
customer.account.purchase_count_last_six_months	No
shipments.amount	No
shipments.delivery_type_code	No
shipments.item_lines.price	No
shipments.item_lines.quantity	No

Payment Labels

Label	Method	Payment type
cofidis	loan	primary (payment by installments)

Actions

Action	Mandatory fields	Optional 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 status	State	Code	Description
SUCCESS	SUCCESS	SUCCEEDED	Successfully
000	SUCCESS	SUCCEEDED	Successfully
INITIALIZED	SUCCESS	SUCCEEDED	Initialize method has been successfully called.
INITIALIZE_TO_RETRY	ERROR	BAD_REQUEST	Initialize method called with missing or not valued fields while required.
ERROR	ERROR	FAILED	The partner returned an error
PENDING	WAITING	WAITING_PARTNER_RESPONSE	PENDING : Suite à un parcours de moyen de paiement, l’internaute a vu sa demande être mise en attente de décision pour étude approfondie.
ABORTED	ERROR	ABORTED_BY_CUSTOMER	ABORTED : Payment in timeout or browser window closed by customer
REFUSED	ERROR	REJECTED_BANK	REFUSED : Payment was refused
REFUNDED	SUCCESS	SUCCEEDED	REFUNDED : Payment has been refunded
REFUND_FAILED	ERROR	FAILED	REFUND_FAILED : Refund method has been called but transaction couldn't end up well.
REFUND_TO_RETRY	ERROR	BAD_REQUEST	REFUND_TO_RETRY : Refund method called with missing or not valued fields while required.
VALIDATED	SUCCESS	SUCCEEDED	VALIDATED : Transaction is completed
VALIDATE_FAILED	ERROR	FAILED	VALIDATE_FAILED: Validate method has been called but transaction couldn't end up well.
VALIDATE_TO_RETRY	ERROR	BAD_REQUEST	VALIDATE_TO_RETRY: , Validate method called with missing or not valued fields while required.
CANCELLED	SUCCESS	SUCCEEDED	CANCELLED : Payment has been cancelled
CANCEL_FAILED	SUCCESS	SUCCEEDED	CANCEL_FAILED : Error while payment tried to be cancelled
CANCEL_TO_RETRY	ERROR	BAD_REQUEST	CANCEL_TO_RETRY : Cancelled method called with missing or not valued fields while required.
AUTHORIZED	SUCCESS	SUCCEEDED	AUTHORIZED : Payment has been authorized.
TO_CONFIRM	SUCCESS	SUCCEEDED	TO_CONFIRM : Transaction is accepted and need to be confirmed by calling confirm.
CONFIRM_REFUSED	ERROR	FAILED	CONFIRM_REFUSED: Amount couldn't be reserved.
CONFIRM_FAILED	ERROR	FAILED	CONFIRM_FAILED: Confirm method has been called but transaction couldn't end up well.
CONFIRM_TO_RETRY	ERROR	BAD_REQUEST	CONFIRM_TO_RETRY: Confirm method called with missing or not valued fields while required.
UNDEFINED	SUCCESS	SUCCEEDED	UNDEFINED: Payment process initiated but no exit from the process has been carried out (process always in progress or abandoned by user).
ABANDONED	ERROR	REJECTED_BANK	ABANDONED: Payment process abandoned.
UNKNOWN_RESPONSE	ERROR	UNKNOWN	UNKNOWN_RESPONSE: Unknown status code received.
SESSION_DATA_NOT_OK	SUCCESS	BAD_REQUEST	Session data doesn't meet the partner's requirements
GET_STATUS_FAILED	ERROR	BAD_REQUEST	GET_STATUS_FAILED: Get Status method call failed.