Supported Payment Services

 

CWS supports the integration of transaction processing for the Bankcard Processing (BCP)Electronic Checking/Automated Clearing House (ECK/ACH), and Stored Value Account (SVA) service classes. This section offers a fundamental explanation of each of these service classes to assist you during your payment processing integration.

Bankcard Processing (BCP)

When integrating Bankcard Processing services into an application, please make the following changes:

Bankcard Processing (BCP) Objects

  • Replace Transaction data type with BankcardTransaction
  • Replace Response return type with BankcardTransactionResponse
  • Replace Capture data type with BankcardCapture
  • Replace Return data type with BankcardReturn

Commerce Web Services supports the Bankcard Processing (BCP) service class and the Credit and PIN Debit transaction classes.

Credit Transactions

The Credit Transaction class is associated with lending funds to the cardholder by an issuing bank in alliance with a card association (Visa or MasterCard) or directly by a credit company (American Express, Discover, etc.). Credit transactions may be for the total amount of purchase (based on an established line of credit for the purchase of goods or services) or the amount of the purchase with cash back to the customer.
 

PIN Debit Transactions

Unlike Credit transactions, PIN Debit transactions are associated directly with a cardholder bank account (checking or savings) instead a line of credit and are considered the same currency as cash. Money moves immediately (instead of waiting for settlement). Given this, Returns may not be supported – the customer should be given cash from the register for Return transactions.

The two primary PIN Debit transactions are Online and Offline

  • Online – Requires a Personal Identification Number (PIN) to complete a transaction. The PIN provides real-time verification of the availability of funds inthe cardholder checking account. PIN Debit also allows ‘cash back’ transactions in addition to typical sale transactions. With online debit transactions, the customer must have an available account balance equal to or greater than the sale amount (plus any cash back amount) in order to complete the transaction.
  • Offline – Also referred to as Signature Debit. Offline PIN Debit requires a cardholder signature to complete the transaction, but follows the typical Credit processing workflow. With offline debit, there is no specific check of the cardholder checking account balance at the time of the authorization.

Electronic Checking (ECK) Overview

The EVO Snap platform contains the functionality to process electronic checking transactions through the Automated Clearing House (ACH) network in the US market.

When a merchant’s customer writes a physical check to pay for services, the check can be converted into an electronic transaction that can be processed electronically.

There are two types of ACH transactions: Debit and Credit –

  • Debit transactions disburse funds to a merchant, such as when a customer pays for goods or services.
  • Credit transactions transfer funds directly to a bank account, such as direct deposit of payroll.

Electronic Checking (ECK) Objects:

When integrating Electronic Checking services into the application, please make the following changes:

  • Replace Transaction data type with ElectronicCheckingTransaction
  • Replace Response return type with ElectronicCheckingTransactionResponse

Commerce Web Services supports the Electronic Checking (ECK) service class through the Automated Clearing House (ACH) and Electronic Checking (ECK) transaction classes.

For more information regarding the rules governing ACH transactions, refer to the Electronic Payments Association (NACHA) website.

 

SEC Codes

CWS support for the Automated Clearing House (ACH) transaction class includes the following Standard Entry Codes (SEC):

SEC Code Description
Back Office Conversion (BOC) A single-entry debit initiated by a merchant/billing entity at the point of purchase or a manned bill payment location for a physical check (source document) from by the customer. The check is converted to an ACH debit entry during back-office processing. BOC conversions require the customer to be present.
Corporate Cash Disbursement (CCD) A business-to-business transaction allowing a debit or credit from one organization to another organization. Authorization rules for consumer entries do not apply.
Prearranged Payment & Deposit (PPD) Used to credit or debit a consumer account. The consumer must provide written authorization to the merchant/billing entity to automatically debit a savings and/or checking account for the specified dollar amount. The payment types may be one-time or recurring transactions.
Telephone-Initiated Entry (TEL) Initiated based on a verbal authorization by telephone to issue an ACH entry by phone. The merchant/billing entity must make an audio recording of the oral authorization or provide the recipient with written confirmation of the authorization prior to the settlement date.
Web-Initiated Entry (WEB) An electronic authorization via the Internet to initiate a transfer of funds from a consumer account. NACHA requires each merchant/billing entity originating WEB entries to employ commercially reasonable methods for authenticating the identity of the recipient.
Note: SECCodes is an Electronic Checking enumeration. For more information, please refer to the Electronic Checking Enumerations in the CWS Developer API reference.

Stored Value Accounts (SVA)

Overview

Stored value gift cards are non-branded, pre-paid gift cards. These cards are issued by a store and may only be redeemed at the merchant’s store(s).

The platform provides the ability to activate and reload cards, redeem funds from the card, and provide methods for tip adjustments (if terminal capture), balance inquiries, reversals/voids, transferinng funds from one card to another, and deactivating a card. Merchants may be charged for unused cards. There are no returns processed for non-branded gift cards. Returns must be treated like cash and the policy is up to merchant – exchange or cash refund.

For reference, branded cards, issued by Visa or American Express for example, are simply pre-paid credit cards which go through standard BCP processing.