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:
Store card data in the customer master record
Integrate payment card activities into the sales, delivery, and
billing processes
Manage complicated sales scenarios involving payment cards,
such as sales orders involving one item and multiple cards, or
several payment cards for one customer
Exchange information with clearing houses for
authorization
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.
Verify delivery requirements and information for clearing
houses, such as address, item, and pricing information
Approximate card processing costs
Handle procurement cards
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:
What was purchased?
Has the product or product group been cleared for
purchase?
What is the product description?
What is the budget number?
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:
Authorize from external systems
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.
Import data into the R/3 System from external systems
In Financial Accounting (FI), you can:
Carry out a general settlement process
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.
Repeat settlement
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.
Track settlement runs
A special program records every
settlement run in a log that contains:
The name of the employee who started the run
The number of items
The date and time of the run
The number of the source accounting document
Whether the settlement run was successfully completed or
not
Set up an open item-managed, general ledger account for each
clearing house
Record and manage processing fees charged by the clearing house
for its services
Display card information in accounting documents or
items
Depending on security concerns and
how much information is required, this information can be presented
in a general or more detailed form.
Manage information sent back by clearing houses to accept or
reject card transactions
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.
Carry out bill-back processing when a customer disputes a
transaction
In the Internet Application Component (IAC),
you can:
Automate order entry in the Internet
Handle electronic payment
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:
Card types
Card numbers
Expiration dates
Card categories
Default cards
Blocking reasons
Card valid-from dates
Cardholders or company names
The payment card plan is new to sales orders
and billing documents. It contains the:
SD document number to which the plan belongs
Pricing and tax data derived from the order items
Payment card plan items
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:
Which cards are billed
In what order the cards are billed
The billing amounts
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.