Integrating FLOA

1. Sequence diagrams

PAYMENT AUTHORIZATION

CAPTURE

REFUND

2. Services

Service	Comment
RegisterAuthorize
Capture
Refund	Partial Refund Available

3. Transaction data

To enable FLOA payments, you need to provide as much information as possible to support the customer's scoring process. The more data is provided, the more accurate the assessment will be. Some information is mandatory regardless of the merchant’s business, while others are specific to the industry.

Note. No validation of mandatory fields will be performed at the gateway level. The transaction will be declined by FLOA if required data is missing.

3.1 Generic data - Applicable to all merchants

For details on how to initiate a payment, see Hosted Payment Page Implementation Guide.

For a checkoutStartSession API, see Market Pay Gateway API: Hosted sessions.

Block	Variable		Type	Example/Comments	Required
SES/PYO
	MPY		string	<MPY>FLOA</MPY>	Mandatory
	OPT		string	<OPT>BC3XC</OPT> <OPT>BC4XC</OPT> <OPT>BC10XC</OPT>	Mandatory See Product code in FLOA product offer table in Starting with FLOA
SES/PID
	MPY		string	<MPY>FLOA</MPY>	Mandatory
	KVE		string	<KVE> <KWD>customer.history.createdDate</KWD> <VAL>2025-02-01T12:00:00Z</VAL> </KVE>	See Industry specific data
		KWD	string		Necessary
		VAL	string		Necessary

4. Industry specific data

4.1 Travel industry

See FLOA_Mapping_Data_TRAVEL INDUSTRY.xlsx in 6. Attachments.

Keyword	Type	Description	Required
			Flight / Transport	Stay (Flight + Hotel)	Hotel	Cruise	Tickets (Amusement parks, tours, etc.)	Rent a car
metadata.travelInsurance	string	Insurance's name/code chosen by the customer Or boolean yes/no the customer chooses an insurance	Mandatory	Mandatory	Mandatory	Mandatory	Mandatory	Mandatory
metadata.travelType	string	"Unknown", "OneWay", "TwoWay", "Multiple"	Mandatory	Mandatory	Mandatory (default value to “Unknown”)	Mandatory	Mandatory (default value to “Unknown”)	Mandatory (default value to “Unknown”)
metadata.departureDate	string	format YYYY-MM-DD	Mandatory	Mandatory	Mandatory	Mandatory	Mandatory (ticket’s date)	Mandatory
metadata.returnDate	string	format YYYY-MM-DD Null if OneWay	Mandatory	Mandatory	Mandatory	Mandatory		Mandatory
metadata.destinationCountry	string	Destination country code, format ISO 3166-2 (ex : "FR" for France)	Mandatory	Mandatory	Mandatory	Mandatory	Mandatory	Mandatory
metadata.travelerCount	string	number of travelers	Mandatory	Mandatory	Mandatory	Mandatory	Mandatory	Mandatory
metadata.travelClass	string		Necessary	Necessary		Necessary
metadata.buyerAmongTravelers	string	Is the payment card holder part of the trip? YES : 1 NO : 0	Mandatory	Mandatory	Mandatory	Mandatory	Mandatory	Mandatory
metadata.travelCompany	string	transporter name of the first segment (IATA code if airline)	Mandatory	Mandatory		Mandatory
metadata.departureLocation	string	IATA code of the airport / city	Mandatory	Mandatory		Mandatory		Mandatory
metadata.arrivalLocation	string	IATA code of the airport / city	Mandatory	Mandatory		Mandatory		Mandatory
metadata.travelDiscountVoucher	string
metadata.luggageSupplement	string	Does the travel include a luggage supplement ? YES : 1 NO : 0	Necessary	Necessary
metadata.travelCanBeModifiedOrCanceled	string	Can the travel be modified or canceled ? YES : 1 NO : 0	Necessary	Necessary		Necessary
metadata.stayCompany	string	name of accommodation		Necessary	Necessary	Necessary
metadata.stayDestination	string			Necessary	Necessary	Necessary
metadata.stayNightsCount	string	number of nights		Necessary	Necessary	Necessary
metadata.stayRoomRange	string	accommodation range		Necessary	Necessary	Necessary

EXAMPLE

<KVE>
  <KWD>metadata.travelInsurance</KWD>
  <VAL>0</VAL>
</KVE>
<KVE>
  <KWD>metadata.travelType</KWD>
  <VAL>Unknown</VAL>
</KVE>
<KVE>
  <KWD>metadata.departureDate</KWD>
  <VAL>2025-01-20</VAL>
</KVE>
<KVE>
  <KWD>metadata.returnDate</KWD>
  <VAL>2025-01-27</VAL>
</KVE>
<KVE>
  <KWD>metadata.destinationCountry</KWD>
  <VAL>OK</VAL>
</KVE>
<KVE>
  <KWD>metadata.travelerCount</KWD>
  <VAL>5</VAL>
</KVE>
<KVE>
  <KWD>metadata.travelClass</KWD>
  <VAL>business</VAL>
</KVE>
<KVE>
  <KWD>metadata.buyerAmongTravelers</KWD>
  <VAL>1</VAL>
</KVE>
<KVE>
  <KWD>metadata.travelCompany</KWD>
  <VAL>AF</VAL>
</KVE>
<KVE>
  <KWD>metadata.departureLocation</KWD>
  <VAL>CDG</VAL>
</KVE>
<KVE>
  <KWD>metadata.arrivalLocation</KWD>
  <VAL>CPH</VAL>
</KVE>
<KVE>
  <KWD>metadata.luggageSupplement</KWD>
  <VAL>1</VAL>
</KVE>
<KVE>
  <KWD>metadata.travelCanBeModifiedOrCanceled</KWD>
  <VAL>1</VAL>
</KVE>
<KVE>
  <KWD>metadata.stayCompany</KWD>
  <VAL>RADISSON</VAL>
</KVE>
<KVE>
  <KWD>metadata.stayDestination</KWD>
  <VAL>Copenhagen</VAL>
</KVE>
<KVE>
  <KWD>metadata.stayNightsCount</KWD>
  <VAL>7</VAL>
</KVE>
<KVE>
  <KWD>metadata.stayRoomRange</KWD>
  <VAL>7</VAL>
</KVE>

4.2. Telephony industry

See FLOA_Mapping_Data_TELEPHONY.xlsx in 6. Attachments.

Keyword	Type	Description	Required
			Purchase of a cell phone	Purchase of a cell phone + plan
metadata.purchase_type	string	Purchase Type	Necessary default to "BARE_PHONE"	Necessary default to "PACKAGE_PHONE"
metadata.phonePackageType	string	type of phone package		Necessary
metadata.phoneBrand	string	Phone brand	Necessary	Necessary
metadata.phoneNumber	string	Phone number of the subscribed line Only if purchase without portability, empty other way		Necessary
metadata.phoneProvider	string	Current phone provider Only if purchase with portability, empty other way		Necessary
metadata.flagPortability	string	Phone number portability flag 0 : without portability 1 : with portability		Necessary
metadata.insurance	string	Flag if insurance have been subscribed 0 : without insurance 1 : with insurance	Necessary	Necessary
metadata.flagOptions		Flag if additional options have been subscribed 0 : without options 1 : with options	Necessary	Necessary
metadata.consumptionAdvance		advance on telephony consumption (in euros)		Necessary

EXAMPLE

PURCHASE OF A CELL PHONE

<KVE>
  <KWD>metadata.purchase_type</KWD>
  <VAL>BARE_PHONE</VAL>
</KVE>
<KVE>
  <KWD>metadata.phoneBrand</KWD>
  <VAL>Nokia</VAL>
</KVE>
<KVE>
  <KWD>metadata.insurance</KWD>
  <VAL>0</VAL>
</KVE>
<KVE>
  <KWD>metadata.flagOptions</KWD>
  <VAL>1</VAL>
</KVE>

PURCHASE OF A CELL PHONE + PLAN

<KVE>
  <KWD>metadata.purchase_type</KWD>
  <VAL>PACKAGE_PHONE</VAL>
</KVE>
<KVE>
  <KWD>metadata.phonePackageType</KWD>
  <VAL>Unlimited</VAL>
</KVE>
<KVE>
  <KWD>metadata.phoneBrand</KWD>
  <VAL>Motorola</VAL>
</KVE>
<KVE>
  <KWD>metadata.phoneNumber</KWD>
  <VAL></VAL>
</KVE>
<KVE>
  <KWD>metadata.phoneProvider</KWD>
  <VAL>Tmobile</VAL>
</KVE>
<KVE>
  <KWD>metadata.flagPortability</KWD>
  <VAL>1</VAL>
</KVE>
<KVE>
  <KWD>metadata.insurance</KWD>
  <VAL>0</VAL>
</KVE>
<KVE>
  <KWD>metadata.flagOptions</KWD>
  <VAL>1</VAL>
</KVE>
<KVE>
  <KWD>metadata.consumptionAdvance</KWD>
  <VAL>200</VAL>
</KVE>

4.3 Training course industry

See FLOA_Mapping_Data_TRAINING-COURSE.xlsx in 6. Attachments.

Keyword	Type	Description	Required
metadata.courseStartDate	string	start date of the course (YYYY-MM-DD)	Necessary
metadata.courseEndDate	string	end date of the course (YYYY-MM-DD)	Necessary
metadata.financedCourse	string	end date of the course (YYYY-MM-DD)	Necessary
metadata.diplomaCourse	string	Flag if course leads to a diploma : 0 : no 1 : yes	Necessary
metadata.levelDegree	string	Flag if course is a post-high school degree (post-bac in France) 0 : no 1 : yes	Necessary

EXAMPLE

<KVE>
  <KWD>metadata.courseStartDate</KWD>
  <VAL>2025-01-25</VAL>
</KVE>
<KVE>
  <KWD>metadata.courseEndDate</KWD>
  <VAL>2027-01-25</VAL>
</KVE>
<KVE>
  <KWD>metadata.financedCourse</KWD>
  <VAL>0</VAL>
</KVE>
<KVE>
  <KWD>metadata.diplomaCourse</KWD>
  <VAL>1</VAL>
</KVE>

4.5. Vehicle garage industry

See FLOA_Mapping_Data_VEHICULE-GARAGE.xlsx in 6. Attachments.

Keyword	Type	Description	Required
metadata.vehicleRegistrationDate	string	Date of first registration of the vehicle	Necessary
metadata.vehicleType	string	Vehicle type (private vehicle, 2 wheels, caravan...)	Necessary
metadata.vehicleBrand	string	Vehicle's brand	Necessary
metadata.vehicleFiscalPower	string	Fiscal power of the vehicle	if available
metadata.customerType	string	Flag customer type 0 : New customer 1 : Known customer	Necessary if firstOrderDate is unavailable
metadata.vehiclePostalCode	string	Postal code of the vehicle	Necessary

EXAMPLE

<KVE>
  <KWD>metadata.vehicleRegistrationDate</KWD>
  <VAL>2018-01-25</VAL>
</KVE>
<KVE>
  <KWD>metadata.vehicleType</KWD>
  <VAL>caravan</VAL>
</KVE>
<KVE>
  <KWD>metadata.vehicleBrand</KWD>
  <VAL>Ford</VAL>
</KVE>
<KVE>
  <KWD>metadata.vehicleFiscalPower</KWD>
  <VAL>14</VAL>
</KVE>
<KVE>
  <KWD>metadata.customerType</KWD>
  <VAL>0</VAL>
</KVE>
<KVE>
  <KWD>metadata.vehiclePostalCode</KWD>
  <VAL>33000</VAL>
</KVE>

4.6. Second hand industry

See FLOA_Mapping_Data_SECOND-HAND.xlsx in 6. Attachments.

Keyword	Type	Description	Required
metadata.productBrand	string	Brand of the most expensive product	Necessary
metadata.productModel	string	Most expensive product model	Necessary
metadata.productVersion	string	Version/year of the most expensive product	Necessary
metadata.reconditionedStatus	string	reconditioning status	Necessary
metadata.customerType	string	Flag customer type 0 : New customer 1 : Known customer	Necessary if firstOrderDate is unavailable
metadata.smartphonesCount	string	Number of smartphones in the shopping cart	Necessary
metadata.insurance	string	Flag if an insurance is purchased	Necessary

EXAMPLE

<KVE>
  <KWD>metadata.productBrand</KWD>
  <VAL>DYSON</VAL>
</KVE>
<KVE>
  <KWD>metadata.productModel</KWD>
  <VAL>Dyson No dust</VAL>
</KVE>
<KVE>
  <KWD>metadata.productVersion</KWD>
  <VAL>16</VAL>
</KVE>
<KVE>
  <KWD>metadata.reconditionedStatus</KWD>
  <VAL>excellent</VAL>
</KVE>
<KVE>
  <KWD>metadata.customerType</KWD>
  <VAL>1</VAL>
</KVE>
<KVE>
  <KWD>metadata.smartphonesCount</KWD>
  <VAL>0</VAL>
</KVE>
<KVE>
  <KWD>metadata.insurance</KWD>
  <VAL></VAL>
</KVE>

5. Sample

REQUEST checkoutStartSession

<TRX>
	<SVC>CheckoutStartSession</SVC>
	<PRJ>IPGTEST</PRJ>
	<CTY>FR</CTY>
	<CUR>EUR</CUR>
	<STO>FLOA</STO>
	<NET>100.00</NET>
	<TAX>10.00</TAX>
	<GRS>110.00</GRS>
	<ORD>ORD45678901234567890</ORD>
	<COM>Internet</COM>
	<SES>
		<SUU>https://demoshop.preprod.mpg.market-pay.com/shop/rest/success</SUU>
		<FAU>https://demoshop.preprod.mpg.market-pay.com/shop/rest/failure</FAU>
		<CAU>https://demoshop.preprod.mpg.market-pay.com/shop/rest/cancel</CAU>
		<ACT>Authorize</ACT>
		<VOD>V22</VOD>
		<PYO>
			<MPY>FLOA</MPY>
			<OPT>BC3XC</OPT>
			<OPT>BC4XC</OPT>
			<OPT>BC10XC</OPT>
		</PYO>
		<PYD><MPY>FLOA</MPY>
<KVE><KWD>customer.history.createdDate</KWD><VAL>2025-02-01T12:00:00Z</VAL></KVE>
<KVE><KWD>customer.history.firstOrderDate</KWD><VAL>2025-02-01T12:00:00Z</VAL></KVE>
<KVE><KWD>customer.history.lastOrderDate</KWD><VAL>2025-02-01T12:00:00Z</VAL></KVE>
<KVE><KWD>customer.history.validatedOrderCount</KWD><VAL>1</VAL></KVE>
<KVE><KWD>customer.history.validatedOrderAmount</KWD><VAL>11000</VAL></KVE>
<KVE><KWD>customer.history.canceledOrderCount</KWD><VAL>0</VAL></KVE>
<KVE><KWD>industry</KWD><VAL>Travel</VAL></KVE>
<KVE><KWD>subcategory</KWD><VAL>Stay (flight + hotel)</VAL></KVE>
<KVE><KWD>metadata.travelInsurance</KWD><VAL>Yes</VAL></KVE>
<KVE><KWD>metadata.travelType</KWD><VAL>TwoWay</VAL></KVE>
<KVE><KWD>metadata.departureDate</KWD><VAL>2025-10-01</VAL></KVE>
<KVE><KWD>metadata.returnDate</KWD><VAL>2025-10-02</VAL></KVE>
<KVE><KWD>metadata.destinationCountry</KWD><VAL>DK</VAL></KVE>
<KVE><KWD>metadata.travelerCount</KWD><VAL>1</VAL></KVE>
<KVE><KWD>metadata.travelClass</KWD><VAL>Business</VAL></KVE>
<KVE><KWD>metadata.buyerAmongTravelers</KWD><VAL>Yes</VAL></KVE>
<KVE><KWD>metadata.travelCompany</KWD><VAL>AF</VAL></KVE>
<KVE><KWD>metadata.departureLocation</KWD><VAL>CDG</VAL></KVE>
<KVE><KWD>metadata.arrivalLocation</KWD><VAL>CPH</VAL></KVE>
<KVE><KWD>metadata.travelDiscountVoucher</KWD><VAL>No</VAL></KVE>
<KVE><KWD>metadata.luggageSupplement</KWD><VAL>No</VAL></KVE>
<KVE><KWD>metadata.travelCanBeModifiedOrCanceled</KWD><VAL>Yes</VAL></KVE>
<KVE><KWD>metadata.stayCompany</KWD><VAL>Radison</VAL></KVE>
<KVE><KWD>metadata.stayDestination</KWD><VAL>CPH</VAL></KVE>
<KVE><KWD>metadata.stayNightsCount</KWD><VAL>1</VAL></KVE>
<KVE><KWD>metadata.stayRoomRange</KWD><VAL>300-500 EUR</VAL></KVE></PYD>
		<LAN>fr</LAN>
		<STY>https://hpp2.preprod.mpg.market-pay.com/hppv22/theme-mp/mp-hpp.css</STY>
	</SES>
	<CUS>
		<FNM>Zéphyrine</FNM>
		<LNM>Poirier</LNM>
		<CTY>FR</CTY>
		<CIT>Saint-andré</CIT>
		<AD1>92 rue de l'Epeule</AD1>
		<ZIP>97440</ZIP>
		<EMA>customer@dummy.com</EMA>
		<TEL>+33-735-554-654</TEL>
		<TXI>0701987765432</TXI>
	</CUS>
	<SHT>
		<AD1>Rue de la Briqueterie 357</AD1>
		<CIT>Malmédy</CIT>
		<CTY>BE</CTY>
		<ZIP>4960</ZIP>
		<TEL>+32 456 512 9573</TEL>
		<EMA>shipping@dummy.com</EMA>
		<FNM>Georges</FNM>
		<LNM>Lanoie</LNM>
	</SHT>
	<ITM>
		<DSC>Basket of apples and pears</DSC>
		<QTY>1</QTY>
		<UPR>100</UPR>
		<NET>100</NET>
		<TAX>10</TAX>
		<GRS>110</GRS>
		<ITN>1</ITN>
		<PCL>Tech</PCL>
		<PCT>Computers</PCT>
	</ITM>
</TRX>

RESPONSE

<TRX>
        <XID>4WGBK0XWAP123</XID>
        <RES>
          <RCD>0</RCD>
          <MSG>Service succeeded</MSG>
          <STM>2010-10-04T15:16:30.070302Z</STM>
          <ETM>2010-10-04T15:16:30.070747Z</ETM>
        </RES>
        <SES>
          <SID>4WGBK0XWAP123</SID>
          <SEU>host.com/hpp/4WGBK0XWAP123</SEU>
          <LAN>fr</LAN>
        </SES>
      </TRX>

REQUEST Get status

GET /ses/JG1KSBFAZGTC1?view=status HTTP/1.1

RESPONSE

<SES>
	<SID>JG1KSBFAZGTC1</SID>
	<PRJ>IPGTEST</PRJ>
	<SST>Completed</SST>
	<STM>2025-04-30T08:32:23.382523Z</STM>
	<ETM>2025-04-30T08:35:22.962391Z</ETM>
	<SEU>https://hpp2.preprod.mpg.market-pay.com/hppv22/checkout.hpp?sessionId=JG1KSBFAZGTC1</SEU>
	<STY>https://hpp2.preprod.mpg.market-pay.com/hppv22/theme-mp/mp-hpp.css</STY>
	<SUU>https://demoshop.preprod.mpg.market-pay.com/shop/rest/success</SUU>
	<FAU>https://demoshop.preprod.mpg.market-pay.com/shop/rest/failure</FAU>
	<CAU>https://demoshop.preprod.mpg.market-pay.com/shop/rest/cancel</CAU>
	<LAN>fr</LAN>
	<ACT>Authorize</ACT>
	<MPY>FLOA</MPY>
	<MPY>SOFORT</MPY>
	<MPY>EFT</MPY>
	<MPY>COD</MPY>
	<SPM>
		<SPI>9WYK1VTW1D6W5</SPI>
		<MPY>FLOA</MPY>
		<GRS>110</GRS>
		<NET>100</NET>
		<TAX>10</TAX>
	</SPM>
	<TRX>
		<XID>S3TXCJHV7STC5</XID>
		<SVC>RegisterAuthorize</SVC>
		<ORD>ORD45678901234567890</ORD>
		<CUR>EUR</CUR>
		<NET>100</NET>
		<TAX>10</TAX>
		<GRS>110</GRS>
		<MPY>FLOA</MPY>
		<MER>
			<MID>3262344807e442109cd92f454ac02670</MID>
			<PRC>FLOA</PRC>
			<CNM>MGP Demoshop</CNM>
			<CTY>FR</CTY>
			<CTN>250</CTN>
			<CT3>FRA</CT3>
		</MER>
		<RES>
			<STM>2025-04-30T08:35:22.884347Z</STM>
			<ETM>2025-04-30T08:35:22.891369Z</ETM>
			<RCD>0</RCD>
			<PRC>FLOA</PRC>
		</RES>
		<AUT>
			<MID>3262344807e442109cd92f454ac02670</MID>
		</AUT>
	</TRX>
	<JSI>20F2D3EB23809A922B4266171BEADF1E</JSI>
</SES>

6. Attachments

FLOA_Mapping_Data_VEHICULE-GARAGE.xlsx
- 40 KB
- Download
FLOA_Mapping_Data_TRAVEL INDUSTRY.xlsx
- 20 KB
- Download
FLOA_Mapping_Data_SECOND-HAND.xlsx
- 30 KB
- Download
FLOA_Mapping_Data_TRAINING-COURSE.xlsx
- 40 KB
- Download
FLOA_Mapping_Data_TELEPHONY.xlsx
- 20 KB
- Download