Set up the credit card payment service

  • 5 minutes

To use credit cards, you need to set up and activate a payment service on the Payment services page. A payment service acts as a bridge between your legal entity and the bank that processes a customer's credit card charges. You need to work with a credit card provider that is listed in the Payment connector field and set up an account with that provider.

Accounts receivable > Payments setup > Payment services

Screenshot of the Payment services page with the Payment connector field highlighted.

Then, you should set up the other options on the Payment services page. You can set up credit card types for various credit card providers on the Credit card types page and activate the provider as the default provider. Follow these steps to complete your setup:

  • Access via the Accounts receivable and then Set up pages,
  • On the Accounts receivable parameters page, specify parameters for using credit card authorizations.
  • On the Terms of payment page, set up payment terms for credit cards. In the Payment type field, select Credit card.
  • On the Customer credit cards page, enter credit card information for customers.

Add a new credit card

You can create new credit card records on the Customers page by using Customer > Set up > Credit card. You can also create credit card records when you enter sales orders on the Sales order page, by using Manage > Customer > Credit card > Register.

Adding a credit card to a sales order

You can add a credit card to a sales order by selecting a credit card in the credit card lookup on the Price and discounts FastTab on the Sales order page. To start the authorization process, on the Action Pane, on the Manage tab, select Credit card and then Authorize.

Authorize a credit card

When a credit card is authorized, the card number and cardholder's name are verified, and the available credit balance is confirmed. Optionally, the card verification value and the cardholder's address are verified. The customer's available credit balance is then reduced by the amount of the invoice. The payment service sends information that the credit card has been approved or declined. When the sales order is invoiced, the credit card is charged (captured) for the invoice amount.

Card verification value

You can require the card verification value, which is sometimes referred to as the card's security code. This varies among the credit card providers, for example, American Express has a four-digit value, while Discover, MasterCard, and Visa have a three-digit value.

Address verification

Address verification information is always sent to the payment provider. You can decide how much information is required for a transaction to be accepted. Be sure to check with your provider to determine whether it accepts this information. The following are the options for address verification:

  • Always accept transaction - Accept the transaction, regardless of address verification results.
  • Account holder - Compare the cardholder's name from the transaction with the credit card company's information.
  • Billing address - Compare the cardholder's name and billing address from the transaction with the credit card company's information.
  • Billing postal code - Compare the cardholder's name, billing address, and postal code from the transaction with the credit card company's information.

Data support

For each credit card type that is supported, you can specify the level of data support. The level controls how much information about a transaction is transferred to the payment service. Be sure to check with your provider to determine whether it can provide this information or not. The following are the options for the level of data support:

  • Level 1 - Transfer the transaction date, transaction amount, and description.
  • Level 2 - Transfer all Level 1 information, plus the shipping and merchant addresses, and tax information.
  • Level 3 - Transfer all Level 2 information, plus order line information.

Partial payments

If you ship part of an order, the amount of the partial order is captured, and the authorization (which was in the amount of the whole order) is closed. A new authorization is then submitted for the remaining amount of the order that hasn't been shipped.

Void an authorization

To void a credit card authorization, you can change the method of payment to another method that doesn't have a type of Credit card.