Payment methods

PayXpert offers a wide and complete range of payment methods, meeting the diverse needs of merchants and providing a secure, smooth and adaptable payment experience to the requirements of the modern market.

Cards

PayXpert allows your customers to use the following cards in particular:

• CB

• Visa

• Mastercard

• Visa Electron

• Maestro

• VPay

• American Express (AMEX)

• Diners Club International

• Discover

• China Union Pay

• JCB

Restaurant voucher cards

PayXpert also allows you to build customer loyalty by accepting restaurant ticket cards:

• CONECS

Wallets

Wallets allow customers to pay quickly and securely using a bank card or a saved balance. They improve the conversion rate and reduce fraud, especially on mobile devices.

• Apple Pay

• Google Pay

Alternative Payment Methods

PayXpert offers a complementary application to its PayXpress service, called "PayXpress APM" (for Alternative Payment Method), intended to facilitate the acceptance of transactions via alternative payment methods such as Alipay+ or WeChat Pay. This application can be installed at the factory or by the maintainer, depending on the specific needs of the merchant.

Two configuration modes are available with this application. The first is the standalone mode, where the application operates independently. In this mode, no need for integration with other applications such as traditional payment terminals is required. However, using this mode requires the user to switch between the different applications depending on the payment method chosen by the customer.

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PayXpress APM application in standalone mode

The second mode is that of integrating the APM with another payment application. In this case, technical integration is necessary. However, from the customer's perspective, a single application manages all payment methods, simplifying the process. This allows for a smoother and more convenient experience for customers, despite the additional technical requirements for integration.

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PayXpress APM application integrated with PayXpress for credit cards

Acceptance of payments via alternative payment methods is subject to the signing of a contract between the merchant and PayXpert, which acts as the Acquirer in this process.

For more information on this offer and how it works, please refer to PayXpress Alternative Payments.

Types of card payments

PayXpert offers you the possibility to present a wide variety of payment methods to your customers. Some methods are not applicable to all payment methods.

End-of-day debits – Default mode

In the case of end-of-day payment, the authorization request is made online during the purchase and all transactions accepted during the day are sent as end-of-day payment remittance. This mode applies to payment methods operating in the “double message” mode, often called “dual message” (one message for authorization, and one message for remittance). It is particularly applicable if you are assured of the availability of the products paid for on your site because the customer is debited the same day.

Partial debits

Partial payment is a feature that allows the bank to authorize only part of the requested amount. The cardholder must then confirm an additional payment method for the remainder to be paid in order to finalize the transaction.

This type of transaction can be authorized or prohibited by configuration.

It helps you increase your conversion rate by partially accepting a transaction rather than refusing it for the total amount.

Deferred debits

Deferred payment in the FRV6 sense allows you to plan the deadline on which your customer will be debited, with the possibility of anticipating it if necessary. In the case of deferred payment, you determine a maximum period for sending in remittance or TLC, in number of days.

This type of transaction is authorized or prohibited by remote configuration. To be able to use this payment method, the acquirer must modify its parameters to debit your customer later.

Payments in other currencies

All currencies can be accepted on the PayXpert solution provided that your acquisition contract is able to accept them. This contract allows payments:

• Either to be converted into a single currency when crediting your account

• Or to be credited in the acceptance currency, displayed to your customer.

Payment in the merchant's currency

When accepting, PayXpert uses the currency code set by the acquiring bank. This is the currency that will be used in authorization requests and in remittances to the acquirer.

Dynamic Currency Conversion (DCC)

PayXpert offers a Dynamic Currency Conversion (DCC) service that allows the customer to pay in their own currency (cardholder currency), which helps improve the customer experience. The customer is aware of the initial amount and the amount charged, including the exchange rate applied by the exchanger.

Transaction Management

Transaction management is a crucial aspect of any payment solution, and it is particularly important in the context of the PayXpress solution. Merchants actively use these features to create, edit or modify the transactions made, which allows them to offer value-added services to their customers.

The functions available to optimize management and improve customer service are as follows:

Total cancellation of a transaction before remittance

The total cancellation of a desired transaction before it is remitted is an essential feature. It allows a transaction to be completely canceled before it is sent for payment remittance (remote collection). For example, in the event of an error when entering the amount on the payment terminal, this feature offers the possibility of correcting the amount before the customer makes the payment. In this process, the customer will have to present the same card that was initially used for the transaction.

Credit / Total or partial refund of transactions already remitted

This function allows promotions to be carried out or a customer to be reimbursed. The credit is materialized by the creation of a new transaction debited from the merchant's account and credited to the customer's account. This new transaction is therefore independent of any initial transaction.

This operation requires validation by the merchant, either by an appropriate key or by entering a specific PIN code (see Merchant validation of a cancellation or refund transaction.)

It should be noted that before using this option, the acquirer (the merchant's bank) must modify its banking parameters.

Printing a duplicate ticket

In cases where neither the merchant nor the customer has obtained a bank card ticket or in the event of loss of the ticket, it is possible to re-print the ticket from the last transaction for the customer and/or the merchant.

Multi-language

The PayXpress solution is designed to be multilingual, offering a multilingual user experience to meet the diverse needs of international customers. Available in SEVEN different languages ​​(including French, Spanish and English), PayXpress ensures clear and effective communication with customers, regardless of their place of origin. The language displayed to the customer/cardholder is determined by the language associated with the bank card used for the payment, thus following the Multi-Language principle. In the case that a language is not supported by the system, English will be displayed by default to ensure understanding.

The rules for managing the display of messages in the POS are also defined to ensure appropriate communication between the customer/cardholder and the merchant:

• If the language of the cardholder/customer matches that of the acceptor/merchant, only one message will be displayed in the common language.

• If the language of the cardholder/customer differs from that of the acceptor/merchant, two messages will be displayed on two separate lines on the screen of the electronic payment terminal (POS).
  
  The message intended for the acceptor/merchant will be displayed at the top of the screen, while the message intended for the cardholder/customer will be displayed at the bottom of the screen, in accordance with the regulations in place:
  
  

However, please note that if a message is only intended for the merchant, than no translation will be necessary, and thus no translation is offered at this time. As per the FRV6 protocol, the message will only be offered in the merchant’s language:

In addition to having two languages on screen, the tickets generated by the system will be printed in the appropriate language: the customer ticket will be printed in the language of the cardholder, while the merchant ticket will be printed in the language of the merchant.

These management rules ensure efficient and harmonious communication between all parties involved in the transaction, while respecting the language preferences of customers and merchants.

Remote collection / Payment remittance

Thanks to our centralized transaction management, you no longer need to go around to all your POS terminals to collect remote collection tickets or launch manual remote collection calls. This centralized management allows you to monitor and manage all your transactions from the PayXpert Backoffice. All payment data is automatically recorded and synchronized in real time there, thus eliminating the need to manually collect payment remittance tickets from each terminal.

As a result, no remote collection tickets can be printed on the POS device, but you can see the collected transactions in the Backoffice:

Degraded mode - Offline

When the PayXpert solution no longer has access to the network and/or the centralized electronic payment server, it is possible to continue collecting payments (under certain conditions, see below). Transactions will be recorded locally on the TPE.

Acceptance conditions

In degraded mode, the PayXpert solution (and CB regulations) only authorize transactions in contact mode (using the chip). Contactless transactions are not allowed.

In addition, some cards are not compatible with degraded mode. This incompatibility arises from the fact that the chip of the bank card is programmed to force the payment terminal to query the issuer to verify that there are sufficient funds before validating the transaction/authorization. In degraded mode, i.e. when the network connection is weak or absent, the PayXpress application is unable to query the issuer and the bank account balance.

Consequently, the payment terminal cannot perform the necessary verification, which automatically results in the payment being refused.

Type of cards not compatible with degraded mode

• Systematic authorization card → Account must be funded at the time of debit. Account cannot therefore be in debit.

• Immediate debit payment card → Account is debited each time it is used.

• Some foreign cards

Example of cards not compatible with degraded mode

• All cards stamped Visa Electron, VPay, Maestro, AMEX, Discover

• Bank cards from neo-banks: N26, Revolut, Nickel, etc.

• Some cards from online banks: Boursorama, ING, Fortuneo

Authorized amount

To minimize risks, the maximum amount authorized for a transaction in degraded mode is configurable by remote setting. By default, this setting is set to €100.

Management rules

Degraded mode will only be activated under the following two conditions:

• The PayXpress application has detected a loss of network connectivity

• PayXpress has initiated a new transaction

The transaction then takes place following the usual procedure, with a possible forcing request.

Here is how it works:

• In case of loss of connectivity during a transaction, degraded mode will not be activated, instead, the transaction will fail (TNA).

• The PayXpress application will then allow a new transaction to be started in degraded mode if the device has not recovered network connectivity.

• If the PayXpress application recovers connectivity during the transaction, the device will abort the transaction in degraded mode and will instead allow a new transaction to be started in default mode.

• PayXpress performs some standard checks in order to be able to accept the transaction in degraded mode. The list of card types (CB, VISA, AMEX, etc.) accepted in degraded mode can be configured by remote settings.

Transaction registration

Once the network connection has been reestablished, it is necessary to upload the transactions stored locally on the terminal to the our servers so that they can be deposited at the banking center. To do this, the merchant does not need to take any particular action: PayXpress will take care of this automatically.

PIN Online

Introduction

The PIN Online feature for electronic payment terminals is a feature that allows the cardholder to enter their confidential code (PIN) directly on the terminal when they make a contactless transaction, particularly for amounts higher than the usual limit.

In concrete terms, when a customer uses their contactless payment card to make a purchase, the payment terminal generally requests PIN authentication when the transaction amount exceeds a certain limit (for example, 50 euros). Unlike the so-called offline PIN entry, in which it is the card that is responsible for verifying the PIN, in the PIN Online method, the payment terminal is able to instantly verify the validity of the code that was entered—online—by connecting to the network of the payment provider or the bank issuing the customer’s card. In the context of contactless payments, this allows authentication of the cardholder.

This real-time verification helps to strengthen the security of contactless transactions for higher amounts, ensuring that only authorized persons can make large purchases with their card. In addition, this feature offers increased convenience for customers, as it allows them to use their contactless card for a wider range of purchases, without having to physically insert their card or make separate transactions with a PIN code.

If the POS is offline when initiating the transaction, then inserting the bank card into the POS is necessary to complete the payment (this is otherwise known as degraded mode, which we discussed above). We cannot check the PIN online if there is no connection, therefore we need to check the PIN against the card.

Payment with the PIN Online feature makes it possible to generalize contactless payments regardless of the amount, however, inserting the card into the electronic payment terminal is still possible. For example:

• If your customer prefers to pay by inserting their card into the terminal

• If your customer does not have the contactless function on their card

Configuration

In order to benefit from the PIN Online feature, it will be necessary to update your acceptance contract with the acquiring bank, which will need to also be signed by you. Once the new contract has been modified, the functionality is activated by the acquiring bank. An exchange of encryption key is necessary prior to installation so that PayXpert can encrypt the PIN code and transmit it to the bank during authorizations in complete security.

Operation

Here is how the PIN Online functionality works in the PayXpress solution:

1. Amount display: The transaction amount is displayed on the terminal screen.

2. Transaction initiation: When a customer makes a contactless payment with a card equipped with a chip, the POS terminal triggers the transaction.

3. PIN code request: Rather than simply validating the transaction without customer intervention, the PIN Online feature intervenes by asking the customer to enter their PIN code on the terminal keypad.

4. PIN code entry: The customer enters their PIN code on the POS keypad. This verifies the identity of the cardholder and authenticates the transaction.

5. Transaction validation: Once the PIN code is entered and verified, the transaction is accepted and the ticket is printed upon the customer's request.

Printing the card ticket upon the customer's request

The dematerialization functionality of the customer ticket for an electronic payment terminal meets legal and environmental requirements by offering a digital alternative to the systematic printing of bank card tickets. In accordance with Law No. 2020-105 of February 10, 2020 relating to the fight against waste and the circular economy (AGEC), and in force since August 1, 2023, the printing of bank card tickets becomes optional, unless expressly requested by the customer.

As part of this dematerialization functionality, several key elements must be taken into account:

Printing option on customer request: When the customer makes a payment by card, the printing of the CB ticket is done only at the express request of the customer. CB tickets will no longer be automatically printed by the merchant.

Exceptions: Some cases still require the systematic delivery of a bank card ticket, such as canceled or refused payment transactions, pre-authorizations, refund transactions on the card, and payment transactions made via an alternative payment method (APM).

Possibility to print a duplicate copy: If the customer changes their mind after refusing to print the ticket, it is possible to print a duplicate of the ticket from the last transaction. Refer to Print a copy of the last ticket for more info,

Remote configuration of POS terminals: Merchants can request for PayXpert to remotely configure their POS terminals with regard to ticket printing. They can choose for printing to be systematic for each payment, not done at all, or for the choice to be offered for each transaction.

Printing settings that you can control: It is also possible, of course, for you to adjust your printing settings on an individual POS device.

Dematerialization of the customer ticket

The PayXpert solution offers several options for dematerializing the CB ticket in order to offer more choices to merchants and customers. In addition to traditional ticket printing, merchants can opt for the following alternatives:

Sending by email: This option allows the ticket to be sent to the customer by email rather than printing it on paper. After the authorization process, the customer can choose to receive the ticket by email, which allows them to view it later on their electronic device.

Scanning a QR code: Another modern and faster alternative is scanning a QR code. At the end of the transaction, a QR code is generated, which the customer can scan using their smartphone to obtain an electronic version of the CB ticket.

Activation of these options is optional and is done at the request of the merchant. In addition, these features can be configured remotely, which allows merchants to activate or deactivate them according to their preferences and the needs of their customers.

Dynamic display of payment methods

The principle of the "Dynamic display of payment methods" feature is based on the ability of the PayXpert solution to dynamically display the available payment methods according to the banking contracts configured by the merchant. Concretely, this feature allows the different payment methods accepted by the merchant to be displayed on the card presentation page, under the descriptive text.

For example, if the merchant accepts payments with CB, Visa, Mastercard, AMEX, and Alipay+, these options will be presented clearly and visibly to the customer when navigating the payment path.

The main benefit of this feature is to increase the conversion rate. By dynamically displaying the accepted payment methods, the customer is more aware of the options available to complete their purchase. This builds customer confidence in the payment process and gives them the assurance that they have a variety of options to complete their transaction. As a result, this can encourage customers to proceed with the purchase, knowing that they can choose the payment method that suits them best, which translates into increased sales and a better customer experience.

Merchant validation for cancellation and refund transactions

The "Merchant validation for cancellation and refund transactions" feature is essential to ensure the security and integrity of transactions made through the PayXpress system but also to comply with the current CB FRV6 regulations. For cancellation and refund transactions, it is necessary for the merchant to give his formal agreement or consent before these transactions are processed.

Therfore, this means that the merchant must confirm that he authorizes the cancellation of a recorded debit transaction or a credit/refund. This validation can be formalized in several ways:

Tapping confirm: The electronic payment terminal (EPT) can be equipped with a Confirm button or a functionality allowing the merchant to approve the cancellation of the transaction by tapping this button.

Entering the Merchant PIN: Another method of validation is to require the merchant to enter a 6-digit PIN code to confirm his agreement for the cancellation or credit transaction. This PIN code is an additional security measure to ensure that only authorized persons can validate these operations.

By default, in PayXpress, the consent mode configured for cancellations and credits (refunds) is the entry of a 6-digit merchant PIN. (See Settings (PayXpress) | Setting a PIN for CB features for instructions on how to set this PIN.)

However, it is possible for the merchant to disable this PIN requirement, but this requires a thorough analysis between the merchant and PayXpert to assess the specific conditions. Factors such as the system used (standalone or integrated), the explicit identification of the merchant at the time of performing the action, and other security criteria must be taken into account to determine the feasibility of this deactivation.

In summary, the merchant validation feature ensures that cancellations and credit transactions can only be performed with the explicit consent of the merchant, thus reinforcing the security and reliability of the PayXpress payment system.