Processing Credit Card Receipts for Non-Inventoried Products

Processing a receipt for a Non-Inventoried product involves the following steps:

1.    Creating the Batch

2.    Creating Receipts for Non-Inventoried Orders

3.    Running the CCP610 Process

Credit card processing respects the merchant parameter setups:

·            IGNORE_CVV  - If an organization is using CVV authorization

o           If the CVV code supplied by the customer is correct, the credit card should be successfully authorized.

o           If CVV is required, and if the customer provides the wrong CVV code from the web, the card should fail the validation check.

o           If CVV is required, and if the wrong CVV code is entered for the credit card from the back-office application, the card should fail the validation check.

o           If CVV is required, and if no CVV code is entered for the credit card from the back-office application, the card should fail the validation check if NULL is one of the CVV reject codes.

o           If CVV is required, and if no CVV code is entered for the credit card from the back-office application, the card should pass the validation check If NULL is not one of the CVV reject codes.

·            IGNORE_AVS  - If an organization is using AVS authorization:

o           If the address information supplied by the customer matches the bill-to address associated with the credit card, and if all other requirements are met, the credit card should be successfully authorized.

o           If the address information supplied by the customer does not match the bill-to address associated with the credit card, the credit card should be rejected.

Authorization Transaction for Non-INV Product Purchase

The authorization transaction enables you to confirm that a customer has submitted a valid payment method with their order and has sufficient funds to purchase the goods or services they ordered. Setting the <allowPartialAuth> element to true in the Authorization request enables the system to return authorizations for a portion of the order amount for cases where the card does not have an adequate credit limit or balance available for the full amount.

An approved authorization reduces the customer's credit limit (or bank balance, in the case of a debit card) by the amount of the approval by placing the amount on hold.

While most merchants perform authorizations as online transactions, there is no requirement to do so.

The lifespan of an authorization depends upon the payment method. The chart below provides information concerning the authorization lifespan for various card types and alternate payment methods.

Lifespan of an authorization:

As long as the authorization has not expired, or the amount exhausted, you can use it repeatedly to fulfill an order. This would be the case if the authorization covered multiple items with staggered deliveries. In this scenario, you would issue a Partial Capture transaction as each item shipped until the order was completely fulfilled.