Configuring installment payment

To configure the payment module, you have to:

  1. Go to the VirtueMart > Payment method menu.
  2. Select the installment payment module, the label differs depending on the value previously entered in the Payment method name field.
  3. Click on the Configuration tab.
Module settings
Logo Click the Browse button to access your hard drive and thus select the logo of your choice to modify it.

The buyer will see this logo when choosing a payment method.

Activate the debug function Activates log generation.
Fee per transaction Charges extra fees when this payment method is chosen.
Percentage of the total amount Applies a markup on the total amount of the order when this payment method is chosen.
Tax Tax to apply when this payment method is chosen.

Access to the payment gateway
Shop ID Indicate the 8-digit shop ID, available in your Merchant Back Office (Menu: Settings > Shop > Keys).
Test key Specify the test key available via your Merchant Back Office (Menu: Settings > Shop > Keys).
Production key

Specify the production key available in your Merchant Back Office (Menu: Settings > Shop > Keys).

Note that the production key will only become available after the test phase has been completed.

Mode

Allows to indicate the operating mode of the module (TEST or PRODUCTION).

The PRODUCTION mode becomes available only after the test phase has been completed.

The TEST mode is always available.

Signature algorithm Algorithm used to compute the signature of the payment form.

The algorithm must be the same as the one configured in the Merchant Back Office (Settings > Shop > Keys).

If the algorithm is different, the parameter will have to be modified via the Merchant Back Office.

Instant Payment Notification URL

URL to copy in your Merchant Back Office (Settings > Notification rules > Instant Payment Notification URL at the end of the payment > Instant Payment Notification URL of the API form V1, V2 menu).

For more information, see the chapter and the sub-chapters on Configuring the notification URL.

Payment page URL

This field is pre-populated by default: https://paiement.systempay.fr/vads-payment/

Payment page
Default language

This option allows to choose the default language of the payment page in case the language of Virtuemart is not supported by Systempay.

If the language(s) used by the Virtuemart is (are) implemented into Systempay, the payment page will be displayed in the language of Virtuemart when the buyer clicks on “Pay”.

Available languages

Allows to customize the language displayed on the payment page.

The buyer will be able to select a language when he or she is redirected to the payment page.

If you do not select any language, all languages will be displayed on the payment page.

To select a language, press and hold the “Ctrl” key and click on the desired languages.

Available languages:

German, English, Chinese, Spanish, French, Italian, Japanese, Dutch, Polish, Portuguese, Russian, Swedish, Turkish.
Capture delay

Indicates the delay (in days) before the capture.

By default, this parameter can be configured in your Merchant Back Office (menu: Settings > Shop > Configuration - section: Capture delay).

It is recommended to not populate this parameter.

Validation mode

Back Office configuration: Recommended value.

Allows to use the configuration defined in the Merchant Back Office (menu: Settings > Shop > Configuration section: validation mode).

Automatic:

This value indicates that the payment will be captured in the bank automatically without any action on the merchant’s part.

Manual:

This value indicates that the transactions will require manual validation by the merchant via the Merchant Back Office.

Warning: if the transaction is not validated by the merchant before the expiration date of the authorization request, it will never be captured in the bank.

Remember to configure the Instant Payment Notification rule on an operation coming from the Back Office to update the order status in Virtuemart.

Card types

This field allows to select the cards logo to be displayed on the payment page.

Warning:

The payment types offered to the buyer on the payment page depend on the contracts and options associated with your Systempay offer.

It is recommended to leave this parameter empty.

Custom 3DS
Managing 3DS
  • In 3DS1: Disables the 3DS1 process during an e-commerce payment. Requires the Selective 3DS1 option.
    IMPORTANT
    Cette fonctionnalité sera obsolète dès que la version 3DS1 ne sera plus supportée par les réseaux.

    Depuis octobre 2020, les émetteurs peuvent refuser la transaction si l'authentification 3D Secure n'a pas été réalisée.

    Ce comportement s'appelle "Soft Decline".

    Pour réduire le nombre de paiements refusés, la plateforme de paiement réalise automatiquement une nouvelle tentative de paiement avec authentification 3D Secure quand cela est possible.

  • In 3DS2: Allows to request authentication without interaction (frictionless). Requires the Frictionless 3DS2 option.
    • For payments made in euro, if the amount is lower than €30, a request for frictionless is transmitted to the DS. If the request for frictionless is accepted by the issuer, the merchant loses the payment guarantee.

    • For payments made in euros, if the amount is greater than €30, the value transmitted by the merchant is ignored and the management of cardholder authentication is delegated to the gateway.

    • For payments made in a currency other than euro, a request for frictionless is transmitted to the DS.

Payment in installments
First installment

Amount of the first installment, expressed as a percentage of the total amount.

Example:

For an amount of EUR 100 in 3 installments, you can

set the percentage of the first payment at 50% of the

amount. This means that the amount of the

first installment will be EUR 50 an that the two

others will be of EUR 25.

For 50% enter 50.

If you want the amount of every installment to be the same, leave this field empty.

Number

Number of installments:

3 for payment in 3 installments

4 for payment in 4 installments

etc.

Period Period (in days) between each installment.

Restrictions
Minimum amount This field defines the minimum amount for which you wish to offer this payment method.
Maximum amount This field defines the maximum amount beyond which you do not wish to offer this payment method.

Restrictions
Automatic redirection

This option allows to automatically redirect the buyer to the merchant website. This option depends on the following settings.

This option is disabled by default.

Time before redirection (success) If the automatic redirection option is enabled, you can define the delay in seconds before your buyer is redirected to your shop in case of a successful payment.
Message before redirection (success)

If the automatic redirection option is enabled, you can define the message that will appear on the screen following a successful payment before your buyer is redirected to the shop.

The default message is:

“Redirection to the shop in a moment”.

Time before redirection (failure) If the automatic redirection option is enabled, you can define the delay in seconds before your buyer is redirected to your shop in case of a failed payment.
Message before redirection (failure)

If the automatic redirection option is enabled, you can define the message that will appear on the screen following a failed payment before your buyer is redirected to the shop.

The default message is:

“Redirection to the shop in a moment”.

Return mode

During the redirection to the shop, these parameters are returned to the shop in GET or POST modes.

The GET mode is more convenient for the buyer as it allows to prevent the browser from displaying a pop-up window that indicates that the buyer is leaving an https environment for an http environment which obliges the buyer to click on “Accept” to return to the shop.
Order status (payment accepted) Select the Registered orders status. It is recommended to leave the default value.
Order status (payment declined) Select the status to apply to failed orders. It is recommended to leave the default value.

Once you have completed the configuration, click Save.