creditPass
1. Introduction
CreditPass is a third party Fraud Detection provider that can be accessed via the Worldline Platform.
Its system provides access to several credit information agencies/bureaus in Germany, to check credit-worthiness and account, personal and address details, etc.
The merchant can have several checks performed, based on specific criteria configured in his creditPass account.
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Not all checks available at creditPass can be performed via the Worldline integration. It is only possible to run checks which are performed online. Worldline only acts as a technical gateway by forwarding data to creditPass in order to have it checked, and by returning the result of the check performed by creditPass to the Merchant. Worldline cannot be held liable for the result of the check performed by creditPass. |
Activation
In order to use creditPass via Worldline, you need to have the ELV payment method configured. The configuration cannot be done by yourself. We invite you to contact our Customer Care department in order to configure your account.
2. Technical integration
2.1 Hosted Payment Page and DirectLink
The following fields should be sent with each transaction:
| Field |
Max Length |
Description |
| CIVILITY | 5 | Title (Frau, Fr., Herr, Hr.) |
| ECOM_SHIPTO_DOB | 10 | Date of birth, in format dd/mm/yyyy |
| ECOM_BILLTP_POSTAL_NAME_FIRST | 35 | Fist name |
| ECOM_BILLTP_POSTAL_NAME_LAST | 35 | Last name |
| ECOM_SHIPTO_POSTAL_STREET_LINE1 | 35 | Delivery address line 1 |
| ECOM_SHIPTO_POSTAL_STREET_LINE2 | 35 | Delevery address line 2 |
| ECOM_SHIPTO_POSTAL_STREET_NUMBER | 10 | Delivery street number |
| ECOM_SHIPTO_POSTAL_NAME_FIRST | 10 | Delivery postal code |
| ECOM_SHIPTO_POSTAL_CITY | 25 | Delivery city |
| ECOM_SHIPTO_POSTAL_COUNTRYCODE | 2 |
2 -letter ISO -3166-1 code (DE, BE, FR, etc.) |
| ECOM_SHIPTO_COMPANY | 50 | Company |
More information about these fields can be found in your Worldline account. Just log in and go to: Support > Integration & user manuals > Technical guides > Parameter Cookbook.
WARNING: Do not forget to include these parameters in your SHA signature. For more information about SHA, please see our Hosted Payment Page and/or DirectLink integration
2.2 e-Terminal
In the e-Terminal screen, various additional address fields are displayed. For creditPass validation, you only need to enter invoice address details.
2.3 Transaction feedback
A check with creditPass will result in a score, as well as a recommendation, which can have one of the following values:
| creditPass recommendation |
| 0 : authorised |
| 1 : not authorised |
| 2 : check manual |
| -1 : no answer |
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If the transaction is considered to be fraudulent, it will be refused and have the status "2 - Refused"; the merchant cannot determine dynamic behaviour based on the score returned by creditPass. |
This information is contained in the Virtual Ticket provided by creditPass and integrated into the transaction details, in your Worldline account.