Handling Credit Card processing- need solution

Hello SAP Gurus'
I need a solution in accepting credit card for payment against an invoice. My client here in the US has a CCC headquatered in Europe. They tell my client to input the credit card number and expiration date in the text field under customer open items and input request in assingment field. They in turn somehow process the credit card number and associate the payment with the invoice. They haven't provided a test of this yet. I don't believe it can happen. At any rate, I am NOT a proponent of having customer credit card info on the text field.
I understand there is a solution is changing the payment method to prompt the transaction thereby processing the credit card someone against the open receivable or balance on account. I am not sure how that part works.
Can anyone help me with the solution?
POINTS PROMISED

CMM
Try this link:
http://www.sap-img.com/sap-sd/set-up-for-credit-card-payment-processing.htm
This gives detailed steps in setting up credit card processing for SAP.
I would definately NOT recommend holding Credit Card numbers in a plain text field! Speak to your Internal Control to get their backing for this!

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Why I cannot purchase I got money on my credit card I need solution ASAP

Hi I would like to know why I cannot purchase gems at clan of clash I have money on my card I need solution asap

If you would like help from these user-to-user forums then you will need to provide more information as to what your problem is e.g. what happens when you try to buy the gems ? If you are getting an error message then what does it say ?
If you are getting a message to contact iTunes Support then you can do so via this link and ask them why the message is appearing (we won't know why) : http://www.apple.com/support/itunes/contact/ - click on Contact iTunes Store Support on the right-hand side of the page, then Purchases, Billing & Redemption
If it's a different problem ... ?

Credit card processing need help

Hi all
I am developing a java application for online money transfer.
How will I be able to verify peoples credit card or debt card to:
a)make sure they are valid ie not suspended or cancelled
b)Process the transaction with the person's card company for the transfer of the money to my account
c)What type of security will be recommended for such an application.
Please help m

morgalr wrote:
gcameo wrote:
Hi all
I am developing a java application for online money transfer.
How will I be able to verify peoples credit card or debt card to:
a)make sure they are valid ie not suspended or cancelledYou have to verify the card with the bank.
b)Process the transaction with the person's card company for the transfer of the money to my accountYou don't. You authorize it with your own acquiring bank. For that you need a merchant bank account, some expensive software and hardware, a dedicated line to the bank and the expertise to maintain such a system. In short, you can't
The specifics to do that are dependent on the authorizing entity you use, contact them to see the interface they support.Only the very largest of organisations do this themselves. Nearly everyone will use a dedicated piece of EFT software from a vendor who has a special relationship with the acquiring banks, or an EFT hosting service from one of those vendors. Banking standards are both very complicated to adhere to, and very dynamic. An individual simply isn't up to the job of keeping track.
c)What type of security will be recommended for such an application.Dedicated comms to the acquiring bank, usually. There is some move towards online auth over TCP/IP, eg, t'Internet, but still the security requirements will be large
>
Once again, the specifics on the interface will be dependent on the authorizing entity you use, contact them to see the interface they support.Basically, at this stage, there's little you can do. If this is work for your employer, they need to get in touch with their business manager at their bank, and say "we wish to process card transactions online". Depending on your projected turnover, he'll advise you on your best approach. It could be to use an online service like WorldPay, or the bank may offer a beaureau service to you, or they may steer you in the direction of a specialist software vendor that can help you. But until you've spoken to the banks you want to acquire with, there's nothing you can do yourself. Common card schemes like Visa and Mastercard, your own bank will acquire, others, such as American Express and Diners Club are acquired by the sponsors themselves, that is, you'd need a commercial relationship with Amex to accept Amex, a commercial relationship with Diners Club to accept Diners Club. But I repeat, your first contact for this is your bank manager. If this is an e-commerce website, things might be a bit simpler, there are a few online services (probably even some web services by now) to help you. If it's tills in shops, you might be advised to use PDQ machines. Setting up and maintaining large-scale EPoS is a massive undertaking, and often involves specialist vendors
If it's work for your self, forget it. Just take PayPal or something
Oh yeh, and authorising the card online is only half the fun. All that says is "the card is valid, and the funds are available for the transaction *at this time*". You've then got to settle the transactions in order for funds to actually move to your account, and that's even more complicated than authorisation. You'd also need to work around the fact that at this time doesn't mean and also when you settle so expect some transactions to authorise ok, but to be suspended (not paid) at settlement time. Then there's hot-card management - you'll be issued with files detailing known stolen or lost cards, and check against them yourself - cheaper on the comms than going online all the time. It's a minefield

Purchasing & A/P Credit Card Processing

We have cases where we place purchase orders to vendors with a company credit card. We would like the PO to be for the actual vendor. When the Goods are received, we would perform a PO goods receipt and A/P Invoice. When the A/P invoices is paid, we need the check to go to our credit card vendor. We would not do a wire transfer to the credit card vendor.
Plus more than one person with thier own company credit card could purchase from the same vendor.
Any suggestions or ideas would be greatly appreciated.

Scott,
The process you outlined is a little different than how the system is set up to handle Credit Card purchases.
This is the standard process:
1. Setup a GL Account as a clearing account for each Type of Credit Card (helps big time with reconciliation to the cc statement)
2. Set this account as the credit card's account in Banking setup
3. Create the PO, GRPO, and Invoice for the actual Vendor you're purchasing from.
4. When you do the A/P Invoice, you could process an outgoing payment there by clicking the Payment Means button (money bags)
5. Choose the Credit Card tab
6. Select the Credit Card that was used
you could have a card setup to represent each card in your company, or use one card in B1 to represent them all.
7. fill out any extra information about the card you want to capture
8. You now have closed the Invoice and created the Outgoing Payment by Credit Card
9. The outgoing payment hit the credit card clearing account
10. Now do an A/P Invoice - Service Type for the Credit Card Vendor
11. In the GL Account field, select the Credit Card clearing account
12. Put in the amount the Credit Card company billed on your statement
13. Add
This process creates a temporary AP for the first Vendor, paid immediately by Credit Card.
That clears the AP and moves the balance to the CC Clearing Account
The AP Invoice for the Credit Card Vendor as Service Type with the offset GL set to the CC Clearing Acct moves the balance from the CC Clearing Account into AP for the Credit Card company. You can then pay this AP Invoice as you would any other.
That's not to say you couldn't automate this or devise a simpler process that accomplishes a similar result, but that's the "official" way to process AP Credit Cards and seems to be the most correct accounting wise.
Hope this helps.
Brad Windecker

How to handle credit card payments in SAP for customer payments

Hello,
Kindly let me know how to handle credit card payments, as per the company's process at the time of sales order the credit card are authorized for the customers and the moment delivery is done the credit card is charged, by the time billing ( invoice) is done the amt is already in the bank, this is done is the current system, how do we implement this in sap and what kind of info do we need to know inorder to successfully implement this payment process, points will be awarded ,
thanks a lot.

Hi Purnachandra,
Do you have any details of the credit card flat file upload into SAP. How these may be applied to the invoices and clear them similar to the lockbox porcess. Any help would be highly appreciated and rewarded.
Thanks,
Deep

Php credit card processing

My merchant account company is raising my rates and making me buy new software. I am looking for a different solution and anyone familiar with credit card processing may be able to give me some good advice.
Up until now, I used software that I installed on my computer that would enable me to process transactions over the Internet. My question is: When someone gives me a credit card number, can I process credit cards using a secure page coded with php? I have a dedicated IP, I can get an SSL certificate, and I can sign up with a credit card gateway like Authorize.net. Why would I need a merchant account (who will charge me a percentage of everything I make)?
There are a number of good php credit card processing scripts available. Can I bypass the merchant account company using a php page that will process my credit cards?

Hi John
The php code and the process are tightly related when it comes to processing your own credit card transactions and then passing them on for payment authorisation.
All the items must be done on secure server section of site, and will depend on if you wish to create a user account or not, this is for the non-user account
Customer fills in Their details on order form, (Name address, credit card info, etc.)
Details stored in temp database for such transactions via a php back-end script, using encryption for credit card details.
Customer is then shown a confirm page, with the details of the order, only the last four digits of the credit card number are shown.
If the user clicks 'place order' another back-end php script transfers the details to a permanent database and send the details for transaction conformation to your credit card authorization gateway.
Payment status sent to another back-end processing script for completion of transaction, this is often done via ipn or similar system.
Confirm payment and details are displayed to the customer, along with your transaction number, (this one may be omitted) and customer order no.
That's basically the procedure, the scripts can be on the same page using functions, or separate scripts if using procedural code. There are obviously many variations on this procedure but this one is probably the most common.
The use of 'secure pay' adds another two steps to this procedure in that the customer is sent to their card providers site for a second step to the authentication. There they must give a user name and password, (previously agreed and confirmed, if not it gets more complicated) in order to confirm that they are the card holder, before the actual card transaction can continue. To give you some idea of the complexity of the 'secure pay' set-up, the general extra cost can range anywhere between $1000 and $3000, (depending if done within web site development budget, or as an extra) converting from U/K £ to $.
BTW, The secure pay is normally used by bank card processing, these used to be know as 'Merchant Accounts', but paypal and others started using this term for their accounts which complicated the issue, the bank processing is what I am referring to with this term, and the fact that visa and mastercard use a different processing procedure is why I say, 'avoid'.
(Sorry if this explanation is a little long, but once you go outside the standard card processing, it does get more complex).
I came across a web site (hotscripts.com) and found some PHP scripts
that
process credit cards.
Unless you are happy adding extra security checks to the code to validate your site is the one using it, try to avoid any scripts that are 'in the public domain'. This is not said with any prejudice or doubt regarding the code, more that once you process your own credit cards you become completely responsible, (legally) for any fraud or misuse that results from your scripts/site.
One other item is that I would recommend using PHP:PDO with MySQL transactions and bound-parameters/stored procedures for this, mainly because they adds extra levels of security and redundancy to the procedure, which is not possible using the standard php/mysql code.
Hope this clears a few details up.
Paula Z

Posting a Credit Card Processing fee

We currently have a credit Card Processing fee that is computed between Biller Direct and our TouchNet Gateway. The fee does not show on the student's bill. The charge is added to the payment when it is processed through our Gateway.
I have looked at the Biller Direct configuration and Payment Card configuration, and I cannot located confiquration for Credit Card processing fee. This could be a web service that adds the fee to the student's payment. Does anyone have a suggestion of where to look for the code? I need to change it from a flat rate to a percentage.

Bev,
I'm not sure how you all set this up initially, but you can check FI-CA event 1236 to see if that is where you are handling the fee. That is the event where Biller Direct interfaces with an external payment gateway for real-time authorization.
The fee might also be something set up on the TouchNet side completely.
-Michael

Argh...iphone4s - credit card processing temporarily unavailable!?

ok I really dont like my iphone 4s right now...
ever since I got it I have been having problems with not being able to call or send sms:es....ok I can....but I basically have to restart the phone...and then I have like 20 seconds to connect the call or it will not work and I have to restart the phone again....but this is a known issue by now I believe....(even though apple sure isnt rushing to solve this issue....which is a bit strange considering its their new flagship and all....)
Today I got a new problem......now for some reason credit card processing is not working....I get "credit card processing is temporarily unavailable. Please try again later"......earlier today I got that it was denied and I should use a different payment method.......but I double checked that I had money in my account...and tried a few times with the same result....after a few tries I got the "credit card processing is temporarily...." error...
so now my situation with my iphone4s is.....invalid sim, no network, and now credit card processing is temporarily unavailable?
ok...it seems that my iphone 4s has just been reduced to an overpriced camera!
has this happened to anyone else? and if so...does anyone of you know a solution?
I live in Sweden and my carrier is Tele2...

With the first part of that problem, the SIM not recognised, you may want to check for an update. The 5.0.1 update itself was updated for certain people with the iPhone 4S with that problem. Apple did actually solve it (although I am not sure it fixed this for all).
For which service was the credit card declined? If it was iTunes, you may need to re accept the conditions in the iTunes store -- that should have happened with the iPhone connection, though.
In any case, you might try a reset of the iPhone: hold both home and off buttons down until after the slider appeard and the apple icon comes on the screen.
You might also ask your carrier or at an Apple store (if there is one convenient to you).

External Credit Card processing

Hello,
We are trying to integrate Cybersource as our Credit Card processor for B2B & B2C. We plan to use the Hosted Order Page to limit any transmission of credit card data over the corporate network.
Our desired process flow (B2C) is this:
1. Customer places item in basket
2. Customer chooses checkout from basket
3. Customer clicks Continue from the checkout page
3.1 Browser directed to Cybersource Hosted Order page
3.2 Customer enters credit card data and submits
3.3 Assuming successful authorization, browser returns to B2C application
4. Customer Confirms data and creates order
What would be a good approach to this solution? My concerns are executing the standard code for step 3, and producing the redirect to Cybersource (would also need to send some basic order data (order total, description, etc)), and how best to return to the B2C application (what URL to store at Cybersource as the return URL to B2C) and ensuring the same session is used .
I am new to the B2B & B2C applications so any input would be appreciated.
Thanks!

Hi Steven,
SAP's standard way of credit card processing for an eCommerce solution is to call the credit card service provider from the ABAP stack rather than from the Java stack. For the B2C webshop, the b2c/maintainCheckoutSaveOrder action calls FM 'ISA_SALESORDER_SIMULATE_TOTAL' which in turn calls FM 'SD_CCARD_AUTH_CALL_RFC'. By completing the credit card processing configuration in SPRO, one can call the external credit card processing service provider with a request and get a response, the control after which would based on the response go back to the eCommerce solution. This would be the suggested approach as SAP would check for product availability before triggering credit card authorisation, trigger only part authorisation when needed, etc. Security of encrypting credit card numbers can be achieved by using SAP's SAPCRYPTOLIB. You can get more information on that from OSS Notes 1032588, 1029819, 662340 and 633462.
Configuration in SPRO would lead one to a FM 'CCARD_AUTH_SIMULATION'. You can clone this FM and call the external credit card processing service provider's webservices from here and push the response back into the FM's export tables for processing to continue from within SAP itself.
Hope this helps.
Ashok.
Edited by: Ashok on Jan 21, 2010 1:41 PM

Airport Extreme ver. g Failed security check for my credit card processing!

Hope this hasn't just been addressed here but I signed up for a new credit card processing service and they have a company called securitymetrics that checks the level of safety for your cc processing setup.
I failed the check due to Airport Extreme settings and don't know how to fix it.
Short version:
failure 1:Your computer is answering ping requests. Hackers use Ping to scan the Internet to see if computers will answer. If your computer answers then a hacker will know your computer exists and your computer could become a hacker target. You should install a firewall or turn off Ping requests.
failure 2:It is possible to gather information about the remote base station (such as its connection type or connection time) by sending packets to UDP port 192. An attacker connected to this network may also use this protocol to force the base station to disconnect from the network if it is using PPPoE, thus causing a denial of service for the other users. Solution: Filter incoming traffic to this port and make sure only authorized hosts can connect to the wireless network this base station listens on.
Anyone know how to address these? I looked at the settings on Airport Utility and couldn't find anything.

You would enter 192 in both the Public & Private UDP/TCP entries. The Private IP Address would be an address of a non-existent device. For example, if the DHCP range is 10.0.1.2 - 10.0.1.200, enter 10.0.1.201 for this entry. (This, of course, would mean you do not have a client assigned this IP.)

"Credit Card Processing Is Temporarily Unavailable. Please Try Again Later".

Hi guys.
I have been browsing for hours no with no avail to this problem I have been having.
I am trying to create a new account to use with the iTunes store - an account in my country, rather than using my US account to buy stuff from there.
My country (Bolivia) is new to the iTunes store, and as soon as I heard the store became available yesterday, I have been trying to register a new account. But everytime I get to the payment page and submit the info, I get the error "Credit Card Processing Is Temporarily Unavailable. Please Try Again Later".
Again, I have googled for this for hours with no avails. Common possible solutions were:
A lot of people mistyped the security code. But I have checked mine a thousand times, I'm completely certain I am getting it right, but I keep getting that message.
Some people mistyped the actual CC number. Another piece of info I retyped a couple of times so I'm sure I'm getting it right.
What are the chances the system is actually unavailable? A lot of people solved this problem and the issue wasn't related to a system being down at all. Could it be the fact my country is new to the iTunes store?
It's been like 6 hours since I tried to make the new account. That doesn't fit my definition of "Temporarily". I guess I will wait a day or two and see what happens, but in the meantime I would like to hear possible problems and/or solutions.
Oh, I almost forgot. If it matters, I am using an iTunes Beta on my MacBook Pro.

Leonnears
I have the same problem, but being as you have had your account for 5 days by the time of this writing, I had mine for about a year. Recently, the security code showed up blank for the credit card I was using, and even when I used the correct security code, iTunes figured that it wasn't valid.
Thankfully, (go shopsafe!) it was easy to get another credit card for a dollar or two (I just want to update my free software for free...), yet this didn't work, for it again said that the security code was invalid.
Then, after a few tries, it said "Credit card processing is temporarily unavailable. Please try again later."
Judging by other Apple forums, when this sort of thing happens, it's a problem on Apple's side, rather than my computer.
I came to this conclusion when I came to a forum that had a bunch of different people complaining that they can't buy music on iTunes. However, that forum was dated in 2008.
If someone finds contradictory information, feel free to reply to my post and tell me how I, too, could fix this.
And in case it matters, I am using a MacBook Air with OS X 10.6.8 and have iTunes 10.4.

Credit card processing?

I tried to purchase a movie and was informed I needed to update my credit card information. I logged into my account, updated the information, and it keeps telling me "credit card processing temporarily unavaible, please try again later".
This has been the message I've gotten for the last 24 hours. What is going on? Anyone else having this problem?

nobody else is having any purchasing via credit card issue?

Credit card processing temporarily unavailable?

I keep trying to buy some music under my account. my card expired so I need to sign up a new one. when I do it says credit card processing temporarily unavailable and to try again later. its been like this for a few days now. is there something wrong with my settings?

This message can be related to the address format you use or your bank's verifing system. When you put your credit card information into your iTunes Store account, this information is sent to your bank for verification. If the billing address you use does not match the bank's records exactly, and/or is not in standard USPS format, then this could result in the message you are seeing.
I would ensure that your bank's records are correct and if you still experience the error, just use another credit card or an iTunes Store GIft Card.
Hope that helps!

Credit Card processing - Urgent

Hi all ,
Can please some one let me know whether the following are feasible in credit card processing
1. masking cards all but the last 4 digits
2. Reporting expiring cards
3. validate card number before proceeding to open items for selection.( authorization) How?
4. insure approved charge online.
5. Clearing document should contain the approval number assigned.
6. ability to charge single, multiple and bundled line items
7. run scheduled batches that select and charge specific lines from customers with credit card as form of payment
8. system automatically import both receipts and chargebacks
9. Need system to automatically post returns back to the originating customer A/R account
10. Need ability to systematically collect credit card information from the customer so that the AR Analyst does not need to come into contact with credit card account number detail
Anyhelp will be greatly appreciated.
Thanks in advance

Hi Ashutosh,
Please check these Function Modules :
CREDIT_CARD_CHECK_CUSTOMERCARD
CREDIT_CARD_COMPLETE_DOCUMENT
CREDIT_CARD_DOCUMENT_SHLP_EXIT
CREDIT_CARD_FIND_DATA
CREDIT_CARD_GET_INSTITUTE
CREDIT_CARD_GET_RCODE_TEXTS
CREDIT_CARD_POST_REFUSAL
CREDIT_CARD_REFUSAL
CREDIT_CARD_CONVERT_FOR_SETTLE
CREDIT_CARD_SETTLEMENT
CREDIT_CARD_SETTLEMENT_RSP
FITP_CHARGE_CREDIT_CARD
FITP_VERIFY_CREDIT_CARD
FITP_READ_PERSONAL_CREDIT_CARD
Hope it helps.
Reward with Points if Helpful.
Regards
Hemant Khemani

Credit Card Processing in iStore through external tier

hi team,
We are trying to implement credit card processing through oracle istore in r12.
currently we are using istore on external tier of Application server and we are looking for how wecan integrate credit card processing with external server based pages.do we need to do any addtional deployment for external tier apart from creating custom Payment System, Payment System Account and Payee and calling payment gateway via custom built servlet call in ipayments.

Hi,
thanks for your reply.We dnt have cybersource configured for other modules.Do we need to contact cybersource for related deployment information?Any prerequisite setups needs to be done in EBS for this integration?

Handling Credit Card processing- need solution

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