Rate in Rete, offered by Sella Personal Credit, allows italian consumers to split a payment in many installments. It is useful to pay online for expensive goods or services.

How does it work for the user?

Sella Personal Credit lets the buyer choose between two different payment methods, Linea Revolving and Prestito Finalizzato.

The credit line is requested directly by the buyer, using the Sella Personal Credit online form.

If the buyer has an open credit line with Sella Personal Credit, Linea Revolving solution, the buyer uses this active credit line, so the transaction response is immediate, like using a Credit Card.

If the buyer doesn’t have an open credit line, they can perform the payment using Prestito Finalizzato that performs a money request using the web interface. For this payment solution Sella Personal Credit takes some days to send a response. So in Axerve Ecommerce Solutions the transaction will be displayed as Pending until Sella Personal Credit responses with OK ok KO for the credit line request.

Axerve Ecommerce Solutions will show the "Rate in Rete" option along with the available payment methods in the payment page.

If the buyer choses "Rate in Rete", Axerve Ecommerce Solutions will redirect them to the Sella Personal Credit web site where they can login or register to the reserved area.

Axerve Ecommerce Solutions exposes all the fields that Sella Personal Credit needs to perform a payment authorization.

How can I offer Sella Personal Credit to my customers?

The merchant has to subscribe to Sella Personal Credit directly. Then, you have to contact Axerve customer support and ask to link your Sella Personal Credit account with Axerve Ecommerce Solutions.

In order to receive Sella Personal Credit “Rate in Rete” payments the merchant must:

On the Merchant Back Office environment:
- Activate this alternative payment method in the Configuration > Environment > Payment Methods section.
On the Encrypt method of the WSCryptDecrypt web service:
- Value the Consel_MerchantPro tag with the Codice Promozione given by Sella Personal Credit itself, this value will be only valid during the encrypt request.
- The transaction amount must be above 150 euro.

If any of the requirements above are satisfied and the page is displayed in Italian, the "Rate in Rete" payment method will show in the checkout page.

In order to offer a better experience to the buyer during the filling of the form, the merchant can send additional information through the Consel_CustomerInfo tags.

Sella Personal Credit “Rate in Rete” example

Here is an example with the filled values:

1<Consel_MerchantPro>WIK</Consel_MerchantPro>
2<Consel_CustomerInfo>
3  <Surname>Rossi</Surname>
4  <Name>Mario</Name> 
5  <TaxationCode>RSSMRA70D23H501H</TaxationCode> 
6  <Address>Via Torino</Address>
7  <City>Roma</City> 
8  <StateCode>RM</StateCode> 
9  <DateAddress>11/04/1999</DateAddress> 
10  <Phone>0632...</Phone> 
11  <MobilePhone>331...</MobilePhone>
12</Consel_CustomerInfo>

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