Sofinco 3x-4x

Intro

Sofinco 3x-4x is an instalment solution offered by the French banking Group Crédit Agricole.

By offering flexible instalment plans, you make purchases more accessible, which can boost your conversion rate and revenue. With a seamless 100% digital process and instant validation, customers complete their payment setup without any paperwork. The solution is omnichannel, available online, in-store, and via call center, ensuring a consistent experience across touchpoints. Absolute security is achieved by collecting 100% of the order immediately while Sofinco assumes the risk of non-payment for you. This brings serenity, powered by the strength of a French solution, a subsidiary of the Crédit Agricole Group.

The integration is very easy, as you only need to send a few additional properties along with your request.

Optimised for Desktop

Overview

Payment group:

Instalment

Payment product id:

5300

Key benefits

Low PCI requirements
Easy integration
Guaranteed payment
Allows partial/multiple/full refunds

Onboarding

To activate Sofinco 3x-4x in your live account, follow these steps:

Sign a contract with Sofinco 3x-4x and receive activation credentials in return.
Enter the credentials in the Merchant Portal and activate Sofinco 3x-4x as described in our guide.

Countries & currencies

Supported countries

France

Supported currencies

Euro (EUR)

Integration

Redirect your customers to the Sofinco 3x-4x portal via our Hosted Checkout Page. Find a high level overview in the "Process flows" chapter.

Add the following properties to a standard CreateHostedCheckout request:

{
   "order":{
      "amountOfMoney":{
         "currencyCode":"EUR",
         "amount":10000
      },
      "customer":{
         "contactDetails":{
            "emailAddress":"customer.email@address.com",
            "mobilePhoneNumber":"+16127779311",
         },
         "personalInformation": {
             "name": {
                 "firstName": "your-customer-first-name",
                 "surname": "your-customer-last-name"
              },
         },
         "locale":"fr_FR",
         "billingAddress":{
              "city":"city-name",
              "countryCode":"FR",
              "street":"street-number-and-name",
              "state":"FR",
              "zip":"59000"
           }
      },
      "references":{
         "descriptor":"your-payment-description",
         "merchantReference":"your-payment-reference"
      }
   },
   "hostedCheckoutSpecificInput":{
      "locale":"fr_FR"
   },
   "redirectPaymentMethodSpecificInput":{
      "PaymentProductId":5300,
      "RequiresApproval":false
   }
}

Properties	Description
order.amountOfMoney amount currencyCode	amount: The gross amount you want to charge for this order. currencyCode: The ISO 4217 currency code for this amount.
customer contactDetails.emailAddress personalInformation name firstName surname locale billingAddress city countryCode street state zip	emailAddress: Your customers' e-mail address. Used by Sofinco 3x-4x to send notifications. personalInformation: Your customers' first and surname. locale: Just like the Hosted Checkout Page, Sofinco 3x-4x is available in various languages. Populate it accordingly to display the Sofinco 3x-4x portal in the language of your customers choice. The value is a combination of ISO 639-1 (language) and ISO 3166-1 (country): French: fr_FR English UK: en_UK Spanish: es_ES Italian: it_IT Dutch: nl_NL Portuguese: pt_PT billingAddress: Your customer's billing address.
references merchantReference descriptor	merchantReference: Your unique reference to this order. descriptor: A dynamic descriptor appearing on your customers' bank statement. Although not mandatory, we strongly recommend adding it to your order for maximum transparency.
hostedCheckoutSpecificInput.locale	Our Hosted Checkout Page is available in various languages. The value is a combination of ISO 639-1 (language) and ISO 3166-1 (country). Find a list of all possible values in our Hosted Checkout Page guide.
redirectPaymentMethodSpecificInput paymentProductId requiresApproval	paymentProductId: The numeric identifier of the payment method on our platform. Find this id in the "Overview" chapter. It instructs our platform to send your customers directly to the Sofinco 3x-4x portal. If omitted, our platform sends your customers to the Hosted Checkout Page instead, allowing them to choose this or any other payment method that is active in your account. requiresApproval: Set to "false" as this payment method allows only Direct Sale mode.

Find detailed information about this object and its properties in our CreateHostedCheckoutAPI.

Process flows

Depending on your customers' device(s) used, differences apply:

With a desktop and a mobile device
With a mobile device

With a desktop and a mobile device

Your customers finalise an order on their desktop device in your shop and select Sofinco 3x-4x.
You send this CreateHostedCheckout request to our platform.
You redirect your customers on the desktop device via the redirectUrl to the Sofinco 3x-4x portal. They enter their personal data and select a modality.
Your customers receive a notification in their banking app to confirm the order.
We receive the transaction result.
The mobile device displays the transaction result in the banking app. We redirect your customers to your returnUrl on their desktop device.
You request the transaction result from our platform via GetPaymentDetails/GetHostedCheckout or receive the result via webhooks.
If the transaction was successful, you can deliver the goods / service.
Sofinco 3x-4x charges your customers automatically for the remaining instalments within the arranged intervals.

With a mobile device

Your customers finalise an order on their mobile device in your shop and select Sofinco 3x-4x.
You send this CreateHostedCheckout request to our platform.
You redirect your customers via the redirectUrl to the Sofinco 3x-4x portal. They enter their personal data and select a modality.
Your customers receive a notification in their banking app to confirm the order.
We receive the transaction result.
We redirect your customers to your returnUrl.
You request the transaction result from our platform via GetPaymentDetails/GetHostedCheckout or receive the result via webhooks.
If the transaction was successful, you can deliver the goods / service.
Sofinco 3x-4x charges your customers automatically for the remaining instalments within the arranged intervals.

Testing

Refer to our Test cases for test data and detailed instructions.

Make sure to use the right endpoint and switch back to the live URL as soon as you have finished your tests.
The data in our Test cases ONLY work for payment requests in our test environment. Using this data in our production environment will lead to undesirable testing results.