Intersolve is an acquirer/issuer specialised in the development, supply and processing of transaction solutions for gift cards and e-vouchers (amongst others).
This guide explains the specifics of the payment process for Intersolve.
2. Payment process
In the Intersolve gift cards payment process, one order can be paid for by more than one gift card, generating several payments for one order.
If the full order amount is not covered by one gift card, the customer can choose to pay the remaining amount by using another gift card, or via iDEAL, VISA, MasterCard or American Express. There is currently no limit on the number of gift cards a customer can use to pay for an order. So it is possible a customer pays for an order with several gift cards to match the order amount.
2.1 Possible payment steps
On the secure payment page, after selecting the gift card he chooses to pay with, the customer will see an indication of the already processed amount and of the amount that still needs to be paid (remaining amount).
If the customer's gift card covers the full amount, he will see the transaction result after entering his gift card details and clicking the "Continue" button.
If the customer's gift card does not cover the full amount, he can pay the remaining amount with another gift card or with iDEAL, VISA, MasterCard or American Express. The details of the first part of his payment (the amount and the masked card number he used) are displayed on the secure payment page.
In the example below, the customer paid 1.00 EUR of the 20.00 EUR with his gift card and now still has to pay 19.00 EUR either with another gift card or with iDEAL, VISA, MasterCard or American Express.
If the customer pays the remaining amount with another gift card, he will see the transaction result after entering his gift card details and clicking the "Continue" button.
If he pays the remaining amount with a credit card (VISA, MasterCard, American Express), he will see the transaction result after entering his card details and clicking the "Yes, I confirm my order" button.
If he chooses to pay the remaining amount with iDEAL he will be forwarded to the iDEAL bank selection page where he can select his bank and continue to his bank’s website for the payment.
2.2 Transaction view
When you look up an Intersolve transaction via "View Transactions" in your Ingenico Account, you will see that one transaction (PAYID/OrderID) can hold several payments.
In the following example screenshot a customer has paid the transaction amount of 25.00 EUR with three different gift cards: two payments of 10.00 EUR and one payment of 5.00 EUR.
The Charge Method column contains the brand name of the specific Intersolve gift card/e-voucher.
3. Payment methods
As soon as one or more Intersolve giftcards are fully enabled in your Ingenico account, they will automatically appear on your payment page.
If however you have chosen to offer your payment methods in a selection screen on your own site, allowing the customer to be redirected directly to the correct payment method, you need to make use of the PM and BRAND parameters.
The following table shows the values you can submit with the PM and BRAND parameters for every available Intersolve giftcard:
|Aktiesport||Intersolve||Aktiesport e-gift card|
|Bart Smit cadeaucard||Intersolve||Bartsmit|
|Beauty & Parfum Cadeau||Intersolve||Beauty & Parfum Cadeau|
|De Librije Cadeaukaart||Intersolve||Librijewinkel cadeaukaart|
|De Nationale Boekenbon||Intersolve||Boekenbon|
|Fletcher Hotel Gift Card||Intersolve||Fletcher|
|Gall & Gall Kadokaart||Intersolve||Gall & Gall Kadokaart|
|Intertoys Giftcard||Intersolve||Intertoys Giftcard|
|KELLY GiftCard||Intersolve||Kelly Giftcard|
|Leen Bakker Cadeaukaart||Intersolve||LeenBakker|
|Lief Kadokaart||Intersolve||Lief Cadeaukaart|
|Loods 5 Cadeaukaart||Intersolve||Loods 5 Cadeaupas|
|Maxitoys Giftcard||Intersolve||Maxitoys Giftcard|
|Mr. Ticket Cadeaukaart||Intersolve||mrticket|
|Nationale Bioscoopbon||Intersolve||Nationale Bioscoopbon|
|Nationale Bloemenbon||Intersolve||Nationale Bloemenbon|
|Nationale EntertainmentCard||Intersolve||Entertainment Card|
|Nationale Erotiekbon||Intersolve||Nationale Erotiekbon|
|Nationale Kunst & Cultuur Cadeaukaart||Intersolve||KCultuur Cadeaukaart|
|Nationale Musicalcard||Intersolve||Musical Card|
|Sandton Gastro Genieten Giftcard||Intersolve||Sandton Gastro Genieten|
|Sandton Giftcard||Intersolve||Sandton Giftcard|
|Sandton High Tea Giftcard||Intersolve||Sandton High Tea|
|Sandton Lekker Weg Giftcard||Intersolve||Sandton Lekker Weg|
|Sandton Weekendje Weg Giftcard||Intersolve||Sandton Weekendje Weg|
|Sanoma Prepaid||Intersolve||Sanoma Prepaid|
|Sport & Fit Cadeau||Intersolve||Sport & Fit Cadeau|
|Van der Valk Cadeaucard||Intersolve||VanderValkcadeaucard|
|VVV Giftcard||Intersolve||VVV Giftcard|
4. Payment cancellation and refund
4.1 The customer cancels his payment
If the customer clicks the "Cancel" button on the payment page, interrupting the Intersolve payment process, our system automatically refunds the customer (online) on each gift card he used.
If the customer cancels his iDEAL payment process, he will be offered the choice on our secure payment pages to retry his payment via iDEAL or to complete his payment with another gift card or with VISA, MasterCard or American Express.
If he cancels again at this stage, clicking the "Cancel" button on our secure payment page, our system will automatically refund him on the gift card(s) he used.
If the customer cancels his VISA, MasterCard or American Express payment process, clicking the "Cancel" button on our secure payment page, our system will automatically refund him on the gift card(s) he used.
You can only refund an Intersolve transaction manually in your Ingenico Account. The refunds are processed offline.
If you make a refund via the "View transactions" result pages, you can make a global refund for each payment linked to an order. When you click the refund button, our system will refund all payments (that haven’t been refunded yet) for the order.
If you make a refund via the "Financial history" result pages, you can make a specific refund gift card by gift card (as opposed to a global refund), for each separate payment linked to the order.
Partial refunds are not possible with Intersolve. You have to refund the full amount paid with a specific gift card.
A refund is the only maintenance operation on an Intersolve transaction you can perform as a merchant.
Refunds must be made within 14 days following the payment.
5. Transaction status specifics
|9 - Payment requested||The payment has been accepted.
The refund is not yet completed.
|2 - Authorisation declined||The payment has been declined.|
|55 - Stand-by||The payment was not achieved.|
|92 - Payment uncertain||A technical problem arose during the payment process with iDEAL, giving an unpredictable result. The status will be recovered via the iDEAL recover process.|
|8 - Refund||The payment has been refunded.|
More information about statuses and error codes can be found in your Ingenico account. Just log in and go to: Support > Integration & user manuals > User guides > List of the payment statuses and error codes.
6. Look and feel of the payment page
We can display specific warning messages for Intersolve on the payment page. When you use a template for the payment page and you would like to adapt the style of these warning messages to fit the look and feel of your template for the payment page, you can define a style for the following class: cISWarning.
The current style for cISwarning is defined as follows:
7. Test cards
You can use the following test data to simulate different scenarios:
|1111||100 EUR balance|
|2222||Wrong brand at Intersolve|
|3333||Wrong currency at Intersolve|
|4444||0 EUR balance|
|Any other card number||1 EUR balance|
The time to activate a payment method depends on the following factors:
- It generally takes the acquirer or bank about a week to complete your affiliation. If you already have an affiliation, the activation takes a few days.
- Some payment methods require additional checks before they can be activated, e.g. in case of 3-D Secure, which is requested directly at VISA or MasterCard (and not at the acquirer).
With Ingenico Collect, you can activate several payment methods in one go.
An acquirer is a financial institution that processes payments from certain credit and debit cards. The acquirer is responsible for the financial part of transaction processing and Ingenico is responsible for the technical part. In other words, without an acquirer the money will not be transferred to your bank account.
For every online payment method you want to add, you need an acceptance contract with an acquirer. If you’d like advice on which acquirer would be best suited for you and your region, please contact our Sales team at email@example.com. If you know which acquirer you want to work with, you can simply select them from the drown down list when adding a payment method in your account.
But why not let us take care of it for you? Ingenico Full Service allows you to activate many local payment methods, all at once and in several different countries – with one single contract. If you trade internationally, it could be the ideal way to accept payments from all across Europe. It saves you time-consuming administration and because you can offer more payment methods, it can also increase your revenues.
Find out more about Ingenico Full Service here and by writing to firstname.lastname@example.org and asking for contract information.