Installment payments are transactions where a cardholder gives the merchant permission to charge his/her account for a specified amount over a certain period of time, (e.g.: Goods or services total $75.00 and you want to make 3 payments of $25.00. Installment transactions are CNP transactions requiring a yearly Address Verification).

The initial transaction must indicate how the merchant obtained the cardholder's information (card-present, mail/telephone order, internet, etc.). The initial authorization and settlement request should not contain the installment transaction indicator (value of the CWS BillPayment enumeration), only subsequent transactions. The installment transaction indicator is required for offline (voice authorized) transactions, but not for credit returns.

When supporting installment payment transactions in CWS:

• BankcardTransactionPro.InterchangeData.BillPayment must be set to 'Installment'.
• BankcardTransactionPro.InterchangeData.CurrentInstallmentNumber must be set to the correct installment payment number for the current payment.
• BankcardTransactionPro.InterchangeData.ExistingDebt must be set to 'NotExistingDebt' unless the customer participates in the Visa Debt Repayment Program. Flagging a Visa transaction as existing debt results in a decline if not used properly.
• BankcardTransactionPro.InterchangeData.TotalNumberOfInstallments must be set to the total number of installments to be charged.
• BankcardTransaction.BankcardTransactionData.CustomerPresent must be set to 'BillPayment'.

Recurring payments are transactions where a cardholder provides written permission to a merchant to periodically charge his/her account number for recurring goods or services. Sample charges include insurance premiums, subscriptions, membership fees, tuition, or utility charges. An Address Verification must be performed with the initial authorization request, but is not required on subsequent recurring transactions containing the recurring transaction indicator. Address Verification is required on a yearly basis.

Visa requires the the initial authorization and settlement transaction to indicate how the merchant obtained the card holder number (card-present, mail/telephone order, internet, etc.) The initial authorization and settlement request should not contain the recurring transaction indicator, (the value of the CWS BillPayment enumeration), only the subsequent recurring transactions.

MasterCard and American Express require both the initial and subsequent authorization and settlement transactions to contain the recurring transaction indicator, as well as how the card information was obtained from the cardholder.

When supporting recurring payment transactions in CWS:

• BankcardTransactionPro.InterchangeData.BillPayment must be set to 'Recurring'.
• BankcardTransactionPro.InterchangeData.CurrentInstallmentNumber must be set to '1' for the first transaction of a recurring payment series. Subsequent payments must be set to a value greater than 1.
• BankcardTransactionPro.InterchangeData.ExistingDebt must be set to 'NotExistingDebt' unless the customer participates in the Visa DebtRepayment Program. Flagging a Visa transaction as existing debt results in a decline when not used properly.
• BankcardTransaction.BankcardTransactionData.CustomerPresent must be set to 'BillPayment'.
• BankcardTransaction.BankcardTransactionData.OrderNumber cannot be blank or all zeroes.

The recurring transaction indicator must be present in the authorization and settlement message formats. An additional response 'Merchant Advice Code Indicator' may be returned to assist the merchant with the reason for declining a recurring transaction. To receive this message, set BankcardTransactionDataDefaults.RequestAdvice to 'Capable' and the response message is returned in BankcardTransactionResponse.AdviceResponse.

Deferred payments are transactions where billing occurs after delivery. Deferred payment transactions can be submitted to bill the cardholder for merchandise received within the past 90 days. The deferred transaction indicator allows issuers to identify the unique request and provides information to assist customer service representatives in addressing issues related to disputes, chargebacks and authorization holds. The deferred transaction indicator (value of the CWS BillPayment enumeration) is required in all transaction authorization and settlement messages.

When supporting deferred payment transactions in CWS:

• BankcardTransactionPro.InterchangeData.BillPayment must be set to 'DeferredBilling'
• BankcardTransactionPro.InterchangeData.ExistingDebt must be set to 'NotExistingDebt' unless the customer participates in the Visa Debt Repayment Program. Flagging a Visa transaction as existing debt results in a decline when not used properly.
• BankcardTransaction.BankcardTransactionData.CustomerPresent must be set to 'BillPayment'.