Bankcard Processing
In addition to the general integration guidelines, the following BCP rules apply to the four supported payment industries—Retail, Restaurant, eCommerce, and Mail Order/Telephone Order (MOTO).
Processing Rules by Industry
Retail environments include card-present (CP) and card-not-present (CNP) transactions. When processing a CNP Retail transaction using CWS, set BankcardTransactionDataDefaults.CustomerPresent to 'Present'.
Note: The CustomerPresent enumeration does not include a value for 'NotPresent'. As a result, the manner in which Retail CNP transactions are processed based on the merchant's account with the service provider as well as the specific functionality supported by the merchant's payment application.
Follow the card-specific requirements below for the best interchange rate for Retail transactions:
| Brand |
Processing Details |
| American Express |
- Industry-specific data must be present in all transactions.
|
| Discover |
- Industry-specific data must be present in all transactions.
|
| MasterCard |
- Industry-specific data must be present in all transactions.
- The transaction must be settled within 48 hours.
- Fast Food & Beauty Shop transactions must be within 25% of the original authorization amount. All other Retail transactions must be within 10% of the original authorization amount.
- Cardholder signature is required for CP transactions.
|
| Visa |
- Industry-specific data must be present in all transactions.
- The transaction must be settled within 48 hours.
- The settlement amount must match the authorized amount.
- Address Verification Service (AVS) must be requested for all manually keyed transactions. A zip code match is required.
- Cardholder signature is required for CP transactions.
|
Restaurant environments include CP & CNP transactions. When processing a CNP Restaurant transaction using CWS set BankcardTransactionDataDefaults.CustomerPresent to 'Present'.
Note: The CustomerPresent enumeration does not include a value for 'NotPresent'. As a result, the manner in which Retail CNP transactions are processed based on the merchant's account with the service provider as well as the specific functionality supported by the merchant's payment application.
Follow the card-specific requirements below for the best interchange rate for Restaurant transactions:
| Brand |
Processing Details |
| American Express |
- Industry-specific data must be present in all transactions.
- The transaction should be settled within 24 hours after shipment.
|
| Discover |
- Industry-specific data must be present in all transactions.
- The transaction should be settled within 24 hours after shipment.
|
| MasterCard |
- Industry-specific data must be present in all transactions.
- The transaction should be settled within 24 hours after shipment.
- The settled transaction amount must be within the tolerance allowed for the authorized amount. The initial authorization/sale must be submitted for the actual transaction amount and cannot be altered to include an additional tip percentage prior to settlement.
- Cardholder signature is required for card-present transactions.
|
| Visa |
- Industry-specific data must be present in all transactions.
- The transaction should be settled within 24 hours after shipment.
- The settled transaction amount must be within the tolerance allowed for the authorized amount. The initial authorization/sale must be submitted for the actual transaction amount and cannot be altered to include an additional tip percentage prior to settlement.
- Address Verification Service (AVS) must be requested for all manually keyed transactions. A zip code match is required.
- Cardholder signature is required for card-present transactions.
|
Electronic Commerce (eCommerce) is considered an environment where the card and/or cardholder are not physically present at the time of purchase. Transaction requests are performed over the Internet and making credit card payments for online purchases via a merchant website. When processing a CNP eCommerce transactions using CWS, set BankcardTransactionDataDefaults.CustomerPresent to 'Ecommerce'.
Cardholders can only be billed for items actually shipped. If an item ordered is not in stock, the settled transaction should only be for the amount of the items in stock and ready for shipment.
Follow the card-specific requirements below for the best interchange rate for eCommerce transactions:
| Brand |
Processing Details |
| American Express |
- Industry-specific data must be present in all transactions.
- The transaction should be settled within 24 hours after shipment.
- The transaction date should match the shipment date.
|
| Discover |
- Industry-specific data must be present in all transactions.
- The transaction should be settled within 24 hours after shipment.
- The transaction amount should match the final authorized amount. One partial reversal is allowed to bring the authorization amount within tolerance.
- The transaction date must match the shipment date.
|
| MasterCard |
- Industry-specific data must be present in all transactions.
- The transaction should be settled within 24 hours after shipment.
- The transaction amount should match the final authorized amount. One partial reversal is allowed to bring the authorization amount within tolerance.
|
| Visa |
- Industry-specific data must be present in all transactions.
- The transaction should be settled within 24 hours after shipment.
- The transaction amount must match the final authorized amount. Amount tolerance between authorization and clearing is 0%. One partial reversal is allowed to bring the authorization amount withintolerance.
- The transaction date must match the ship date and must be no later than 7 days after the authorization date.
- The original approval number must be submitted in settlement.
- Address Verification Service (AVS) must be requested for single purchase transactions. A match is not required.
|
Mail Order/Telephone Order (MOTO) is considered an environment where the card and/or cardholder are not physically present at the time of purchase. For example, a merchant accepting credit card payments via mail or telephone. When processing a CNP MOTO transaction using CWS, set BankcardTransactionDataDefaults.CustomerPresent to 'MOTO'.
Cardholders can only be billed for items actually shipped. If an ordered item is out of stock, the settled transaction should only be for the amount of the items in stock and ready for shipment.
Follow the card-specific requirements below for the best interchange rate for MOTO transactions:
| Brand |
Processing Details |
| American Express |
- Industry-specific data must be present in all transactions.
- The transaction should be settled within 24 hours after shipment.
- The transaction date should match the shipment date.
|
| Discover |
- Industry-specific data must be present in all transactions.
- The transaction should be settled within 24 hours after shipment.
- The transaction amount should match the final authorized amount. One partial reversal is allowed to bring the authorization amount within tolerance.
- The transaction date must match the shipment date.
|
| MasterCard |
- Industry-specific data must be present in all transactions.
- The transaction should be settled within 24 hours after shipment.
- The transaction amount should match the final authorized amount. One partial reversal is allowed to bring the authorization amount within tolerance.
- Recurring Billing transactions require the recurring billing flag.
|
| Visa |
- Industry-specific data must be present in all transactions.
- The transaction should be settled within 24 hours after shipment.
- The transaction amount must match the final authorized amount. Amount tolerance between authorization and clearing is 0%. One partial reversal is allowed to bring the authorization amount withintolerance.
- The transaction date must match the ship date and must be no later than 7 days after the authorization date.
- The original approval number must be submitted in settlement.
- Address Verification Service (AVS) must be requested for single purchase transactions. A match is not required.
- AVS must also be requested for Recurring billing transactions on the initial authorization. AVS is optional on all subsequent authorizations.
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Partial Approvals
Partial Approvals (also referred to as partial authorizations) are Credit or PIN Debit authorizations where the requested amount is greater than the actual value of the account. Not all card brands or card types support partial authorizations. Partial authorizations can be approved for regular cards, but not for pre-paid products. The merchant is responsible for properly identifying partial authorizations and following up with the cardholder to obtain payment for any remaining balances.
When supporting partial approval payment transactions in CWS:
- All credit transactions should have BankcardTransactionData.PartialApprovalCapable set to ‘Capable’, indicating the merchant is capable of accepting partial approvals and handling the split tender transaction. A split tender transaction results when a partial authorization of the total purchase amount is returned to the device in the transaction response. The device must then prompt for payment of the remaining balance due on the sale. The cardholder provides a different form of payment for non-qualified items.The PartialApprovalCapable flag will default to ‘NotCapable’ if not present.
- If the cardholder is not capable of completing the transaction, the partial approval must be reversed by performing an Undo (Void). If the reversal is declined, a ReturnUnlinked(Return) can be used to remove the transaction from the cardholder account.
- If the card balance is less than the purchase amount and the card issuer supports partial approvals, the portion of the transaction request amount equal to the credit card’s balance is approved.BankcardTransactionResponse.StatusCode includes ’01’ or ’02’ for partial approvals and BankcardTransactionResponse.Amount contains the approved amount. The point-of-sale device must prompt for the split tender payment.
- An issuer may indicate a transaction is partially approved if the full transaction amount depleted the card balance. In this case BankcardTransactionResponse.StatusCode is returned as ’02’ (Fully approved, but the card was depleted). The request amount matches the authorization amount. Although the full amount of the transaction was approved, the transaction is categorized as a partial approval and any terminal that does not support partial authorizations receives a decline for this scenario.
Note: Card associations require merchants with partial approval-capabilities to support the reversal of authorizations.
Cardholder Activated Transactions
Cardholder Activated Transactions (CAT), also referred to as unattended terminals are self-service devices dispensing goods to a customer without a sales clerk or attendant. The devices read, capture and transmit card information as a result of the cardholder interaction with the device in an unattended environment.
When processing transactions in unattended environments, the card must be present and the card data must be captured electronically. Manual keying of the card information is not allowed.
Depending on the payment card association rules, transactions originating from an unattended device may or may not receive the best interchange rate from the payment brand.
CWS transactions initiated at an unattended terminal must be set as follows:
- BankcardTransaction.ApplicationConfigurationData.ApplicationAttended must be set to ‘Unattended’.
- BankcardTransaction.ApplicationConfigurationData.HardwareType must be set to ‘TicketMachine’ or ‘InitiatedCAT’.
