Payment Card Processing

Description

New to Release 4.0, Payment Card Processing offers you a wide range of functions in Sales and Distribution, Retail point of sale (POS), Financial Accounting, and Internet Commerce. The R/3 System now contains the basic tools you need to handle payment cards in a variety of business processes.

In Sales and Distribution (SD), you can:

When a customer pays for goods and services using a payment card, you enter the card number in the sales order. The card number along with the payer, address, and sales order amount are then forwarded to the clearing house for authorization. The sales order is blocked for delivery, until authorization has been granted for the transaction.
You can handle complicated authorizations as well, such as for sales order with multiple delivery dates or long processing cycles.
When goods are paid for using a procurement card, the company that issued the card requires additional information during the authorization check and at the settlement stage, such as:
You can retrieve this additional data from the sales order or billing document and forward it to the clearing house for authorization and settlement.

In the POS interface in SAP Retail, you can:

Relevant data is then imported into the SAP R/3 System where a billing document is created. The system records payment card information in a payment card plan linked to this document.
There are no sales or shipping documents in payment card processing for point of sale. However, from the billing document onward, processing is carried out in exactly the same way as a standard Sales and Distribution transaction. This means that a POS invoice is released to and processed by Financial Accounting in the same way as a standard invoice.

In Financial Accounting (FI), you can:

The amounts from all accounting documents relating to a particular payment card can be debited to the appropriate clearing house at the end of a specified period, and a request for payment for the total amount sent.
By assigning settlement run numbers to groups of card transactions or items, you can carry out a second settlement run for a group of items if a problem occurs during the initial run.
A special program records every settlement run in a log that contains:
Depending on security concerns and how much information is required, this information can be presented in a general or more detailed form.
Information, for example that an address you submitted is incorrect, is assigned codes which the system then uses as a basis for accepting or rejecting a card transaction.

In the Internet Application Component (IAC), you can:

Constraints

Although banks and purchasers are included in the payment card concept, this first phase of payment card processing has been designed specifically for merchants.

Changes to the interface

A payment card entry screen has been added to the customer master, where you can enter:

The payment card plan is new to sales orders and billing documents. It contains the:

There are card items that contain card information, and authorization items that contain authorization information. There is an additional detail screen for each of these items (Item Detail).

You can enter data into the payment card plan in the sales order. The plan in the billing document is for display only.

The delivery interface has not changed. The system does carry out several checks relevant to payment cards in the delivery, but there is no card information stored there.

Changes in procedure

When you create master data in the customer master, you enter card data in the payment transactions screen on the general data level.

When you create a sales order, you manually enter card data or copy it from master data. You do this in the payment card plan attached to the order header. You can process one card or any number of cards, splitting the order amount between them. Authorization is carried out directly from the sales order (in realtime).

The system checks for valid authorization in the delivery. If the authorization has expired, or if you have changed the delivery quantity, you have to restart authorization in the sales order.

When you create a billing document, you can review card data in the payment card plan which is copied to the billing document from the sales order. Here, the system automatically accesses the authorizations in the payment card plan to determine:

You release the billing document to Financial Accounting (FI) for settlement.

Customizing

For information on configuring your system to process payment cards, see Payment Cards.