Payment Card posting - Do not clear invoice

Question

We are using the payment card functionality in Sales Orders for one of our requirements to monitor credit authorization from a Financing company for our Customers. Once we receive the authorization back, like in credit cards, the delivery can take place.
However, unlike credit card orders, we do not want to clear the invoice on posting. We want it to post like any other normal Credit sales, debiting the Customer and crediting Revenue. (For credit card orders, it clears the Customer to a CC clearing account). We wouldn't have the Credit card settlement process either. We shall be receiving the funds from the Financing company as per agreed terms.
Now the issue -  how do we prevent the invoice from getting cleared on Release to Accounting? Do we use an user exit? Even if we manage to do it, will it have any downstream impact, like credit card settlement program or anything like that?
Any suggestions will be highly appreciated.
Thanks!
FP

Answer 1

Hi Renan,
Let me explain the issue with an example:
Example -
1     01          21000491     XXX Technologies     435.00
2     50          400000     Sales     400.00-
3     50          220900     Use Tax     29.00-
4     50          220900     Use Tax     4.00-
5     50          220900     Use Tax     2.00-
6     15          21000491     XXX Technologies     435.00-
7     40          120010     Visa Receivable Clg     435.00
Lines 1 to 5 are the ones that post normally without payment card. Line 6 and 7 are posting because the sales order has been authorized by a payment card. Although I am using the payment card functionality, I do not want to post lines 6 and 7 as the payment is going to come from the Financing company on due date.
I hope this will help to understand the issue at hand.
Thanks,
FP