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KO - Credit Card Processing

By Doncy Toms
Target Audience?
SMEs
SAP FICO standard Process
Key elements
Two key elements of the credit card
process

Authorization
Authorization is provided when data transmitted
to the issuer bank (referred to as a request)
returns an immediate response.

Settlement
The purpose of the settlement transaction is to
identify credit card transactions to be submitted
to the processor for collection of payment.
CREDIT CARD PROCESSING
Coke Smart eCommerce (web)site or SAP ORDER

CREDIT CARD NUMBER PAYMETRICS XISECURE; TOKENIZED IN SAP

AUTHORIZATION APROVAL OR DENIAL


REQUEST from SAP PAYMETRIC CYBERSOURCE FIRST DATA
RESPONSE from ISSUER BANKS/AMEX FIRST DATA CYBERSOURCE
PAYMETRIC SAP

INVOICES CREATED in SAP

SETTLEMENT PAYMENT OF INVOICES BY CREDIT CARD


SETTLEMENT REQUEST TRANSMITTED/RESPONSE RECEIVED
SAP from PAYMETRIC CYBERSOURCE FIRST DATA ISSUER
BANKS/AMEX

FIRST DATA FUNDS MC, VISA & DISCOVER DIRECTLY TO MERCHANTS BANK

AMEX FUNDS DIRECTLY TO MERCHANTS BANK


CREDIT CARD DATA PROCESS FLOW

PROCESSOR --
FIRST DATA

MIDDLEWARE -- GATEWAY --
PAYMETRIC: CYBERSOURCE
ORDERS XIPAY &
Coke Smart XISECURE (ENCRYPTION)
eCommerce (website)
SAP

MERCHANT AMEX ISSUER BANKS


RECEIVES PAYMENT
Overview of Authorization Process
SAP authorization: real-time
Receives credit
card data;
Requests sends on for Sends request
goods/services authorization to issuing bank
during order
save

Customer Merchant Clearinghouse Issuing Bank

M
M
Customer Merchant Clearinghouse Issuing Bank

Receives Approves order Sends Responds with


goods/services or places on authorization authorization
if approved credit hold response to approval or
merchant denial
SAP Order views with credit card data

Credit card data fields

Authorization block: when


Payment Card Tab displays flagged, prevents invoice
creation & requires authorized
status, authorized amount, user to release
authorization block, status text
Credit Card data at ORDER header level
Card type: MC, Visa, Amex, Discover

Card #: token displays E803 (good token);


displays PMOS (failure token)
Card type -
Card number Auth No. issuer bank responded
displayed as token no.
Auth refer. Code Paymetric responded
Auth. No. from bank
Auth Ref Cd from
XiPay (Paymetric)
External status:
Text will give description of
status

Text defines status or error msg


Overview of Settlement Process
SAP settlement:
Transfers
Processes
funds to
Transmits batch and
merchant
batch for sends payment
bank; updates
settlement instructions to
cardholders
banks
statement

Merchant Clearinghouse Issuing Bank Merchant Bank

M
M
Merchant Merchant Bank

Receives
notification of Deposits funds
funds deposit; in merchants
manually account
reconciles in SAP
Batch Settlement Run
Y_PU_FCC1 SAP Job
AR01008D

GL Accounts:
These are the credit card
clearing accounts by
collection group (ex:
Visa/MC, Amex, Discover).
Selection may be single or
range of GL accounts.
Settlement

Manual Settlement
The manual settlement is to execute settlement in
an emergency situation
Repeat Settlement Y_PU_FCC2
executed when a settlement has been executed
but the RFC call has failed.
Settlement
Reverse Clearing

Reverse Clearing with Credit Card Data


Y_PU_FBRC

is to reverse the item(s) within a settled


accounting document with credit card data. This
will create a new accounting document with a
debit to the customers AR account and a credit to
the Cash Clearing GL account
Reports
Settlement Batch Documents by batch
number Y_PRE_BAT_ITEM
to retrieve all documents in a settlement batch by
the settlement batch ID.

Settlement Batch Items by date range


Y_PRE_BAT_ITEM_DATE
report by providing all documents within a
settlement batch across a date range
Reports
Payment Card Authorization Response by date
Y_PRE_AUTH_RES
to retrieve items based on the date/time of the
authorization response. It displays all items that have
received an authorization response and the status of each
item.

Expiring Credit Card Authorizations Y_PU_EXP_AUTH


to identify sales orders whose authorization will expire
within the selected date range if not settled prior to these
dates or the final date the authorization is considered
valid.
Cash Clearing Process
The business purpose is to allow the manual clearing of
credit card deposits in SAP from the receiving bank
account. The cash processor will access via web link the
bank account and determine deposit made from the
processor (First Data) by date (usually preceding business
day). They will then use SAP transaction code F-28 to
apply both the deposit into SAP and to offset the cash
clearing account for the deposit amount.
XiPay - Paymetrics
Levels
Credit card data is broken into three levels
THIRD PARTY WEBSITES
XIPAY (PAYMETRIC)
https://www.xipaynet.com/xipayweb/Home.aspx
Paymetric Portal
https://support.paymetric.com/MRcgi/MRentrancePage.pl?DONT_
USE_COOKIE=1&LOGGED_OUT=1

CYBERSOURCE
http://www.cybersource.com/support_center/support_documentation/

FIRST DATA
https://www.myclientline.net/welcome.html

AMEX
https://home.americanexpress.com/homepage/merchant_ne.shtml?me
rch_van=merchant
CONTACT INFORMATION
PAYMETRIC Client Services
Hours of Operation
Business Hours: 8:00 a.m. 5:00 p.m. (Central)
Production Emergencies: 24 / 7 / 365

Contact Methods
Primary:
Customer Service Portal1 https://support.paymetric.com

Secondary:
Contact Numbers: 713-895-2003
832-533-26662
44 (0) 207-993-5154 (Europe)
________________________
1 Portal requires individual login credentials; customers must be
registered.
2 Alternate number when the primary support number is not operational.
Questions?