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.
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When integrating Bankcard Processing services into an application, please make the following changes:
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.
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 are for the ‘total amount of purchase’ only and based on an established line of credit for the purchase of goods or services.
PIN Debit Transactions
Unlike Credit transactions, PIN Debit transactions are associated directly with a cardholder bank account (checking or savings) vs. a line of credit. During transaction authorization, a verification of available funds is performed to ensure the cardholder has sufficient funds in the account to cover the cost of the purchase.
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 balance in anaccount 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.
A recurring transaction is a transaction for which a cardholder provides written permission to a merchant to periodically charge their account number for recurring goods or services, such as subscriptions, membership fees, tuition, or utility charges. Recurring bill payments are supported for the NGTrans and eService DSPs and in the MOTO and Ecommerce industry types, and for Authorize and AuthorizeAndCapture transaction types.
The Tip Adjust feature for the EVO Snap* Platform will include tip adjust on retail and restaurant sale transactions in order to support ISV application solutions or terminals processing through Snap*.
Tip adjust workflow is supported for the NGTrans and Banamex adaptors and only for AuthorizeAndCapture transaction types.
The following steps outline the process flow for tip adjust:
A merchant sends an AuthorizeAndCapture transaction to the Snap* Platform.
The merchant will then send a Resubmit transaction with the ResubmitReason field set to TipAdjustment, as shown in the request example below. Note: the Amount field in the Resubmit request should be set to the same number as the Amount field in the original AuthorizeAndCapture request, while the TipAmount field should be set to the value of the tip only.
Note that multiple tip adjustments can be initiated for a single AuthorizeAndCapture request prior to a batch close. The newest tip amount will overwrite the previous tip amount.