PayXpert - User documentation
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: a technical payment operator and private network that enables the acceptance and processing of dematerialized meal vouchers (meal cards) in France. It acts as the technical intermediary between merchants’ payment terminals and meal‑voucher issuers (such as Edenred, Up Déjeuner, or Pluxee . . . ): when a customer pays with a meal card, CONECS identifies the card and the merchant, routes the authorization request to the issuer in real time, and returns the approval or refusal to the terminal. Designed specifically for meal vouchers, the CONECS network simplifies acceptance for merchants by providing dedicated settlement (telecollection), direct reimbursement by issuers, and no bank card commissions, provided the terminal is correctly configured and the merchant holds a CONECS merchant ID or domiciliation card. To contact CONECS, see https://www.conecs.fr/contact/.
Swile. To contact Swile, write to hello@swile.co.
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
Samsung 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+
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.
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.
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 https://payxpert-helpcentre.atlassian.net/wiki/spaces/docs/pages/638910682.
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
PayXpert offers deferred payment via the payment terminal as described in the FRV6 / CB5.5 specification --> "Debit - Deferred Collection".
This is a transaction type we offer alongside debit, cancellation, and credit.
To process this type of transaction, the acquirer must modify its bank settings to debit at a later date. The clearing/collection process is defined by the acquirer based on the subscribed contract and the merchant's risk level.
To process a payment, the merchant selects the transaction type for deferred debit, but the payment terminal does not know (nor does it request the date from the merchant) when the customer will be paid, whether tomorrow or in 30 days.
The payment terminal identifies the transaction type as a deferred debit at the authorization stage and also in the transaction history. Once these transactions are tagged as "deferred" and received by the bank via TLC, the payment processing logic is handled by the acquirer.
Deferred payment, as defined by FRV6, allows you to schedule the deadline by which your customer will be debited, with the option to bring it forward if needed. With deferred payment, you define a maximum sending time for the deposit or TLC, expressed in days. This type of transaction can be authorized or prohibited through remote configuration.
To use this payment method, the acquirer must modify its settings to debit your customer at a later date.
Do not confuse this payment method with split payment or "Buy Now Pay Later" (BNPL).
In order to use deferred debit, the merchant must have entered into a contract with the acquirer.
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.
In order to use the DCC service, the acquirer must have entered into a contract with the provider of this DCC service.
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.