Contents

Title and Copyright Information

Preface

• Audience
• Accessing Oracle Communications Documentation
• Documentation Accessibility
• Document Revision History

1 About Payments

• About Payments
• About BRM-Initiated Payment Processing
  • About Collecting BRM-Initiated Payments
  • Supported BRM-Initiated Payment Methods
• About Externally Initiated Payment Processing
  • About Collecting Externally Initiated Payments
  • Supported Externally Initiated Payment Methods
• About Payment Methods
  • Cash, Check, and Postal Order Payment Methods
  • Credit Card Payment Method
  • Direct Debit Payment Method
  • Invoice Payment Method
  • Prepaid Payment Method
  • Nonpaying (Subordinate) Payment Method
  • Undefined Payment Method
    • About Credit Limits for Undefined Payment Methods
  • Voucher Payment Method
  • Wire Transfer Payment Method
  • Finding Payment Info
• About Payment Attributes
  • Account and Bill Number
  • Payment Method
  • Payment Channel
  • Payment Status
  • Batch ID
  • Transaction ID
  • Subtransaction ID
• About Validating Payments
  • About Payment Status
  • Default BRM Status Codes and Descriptions
• About Allocating Payments
  • Allocating Account-Level Payments to Multiple Bill Units
• About Reversing Payments
• About Payment Fees
• About Payment Incentives
• About Credit Card Payment Confirmation Numbers
• About Account Top-Ups
• About Payment Suspense Manager
• About Unconfirmed Payment Processing
• About Reversing Account Write-Offs during Payment Collection
• About Payment Processors
  • About Automated Clearing Houses
  • About Credit Card, Debit Card, and Direct Debit Processors
  • About Payment Gateways
• How BRM Collects Payments
  • BRM-Initiated Payment Processing
  • Externally Initiated Payment Processing
• Selecting the Items to Which Payments Are Applied
  • How Items Are Selected for Payments
• How BRM Calculates Payment Collection Dates
• How BRM Receives Payments
• How BRM Reverses Payments
• How BRM Refunds Payments
• How BRM Writes Off Payments
• Related Documents

2 About BRM-Initiated Payment Processing

• About BRM-Initiated Payments
  • About Transactional and Nontransactional Payment Processing
• About Account Verification for Online Processing
  • Prerequisites
  • About Action and Response Reason Codes
  • Supported Transaction Types
• About Credit Card Transactions
• About Merchant Numbers and Account Identifiers
  • Paymentech Merchant Information
  • Using More Than One Merchant
• About Credit Card Validation and Authorization
  • About Credit Card Validation
  • About Credit Card Authorization
  • The Credit Card Validation and Authorization Process
• About Credit Card Tokenization
  • The Credit Card Tokenization Process
• About Replacing Credit Card Numbers with Tokens
  • Replacing Credit Card Numbers with Tokens
  • About Purging Old Credit Card Event and Audit Trail Objects
• About Migrating Credit Card Information from Legacy Databases
• Paymentech and International Transactions
• About the Paymentech HeartBeat Application
• About Applying Charges Directly to Credit Card Accounts
  • General Ledger Impact of Charges
• About Collecting BRM-Initiated Payments
  • When to Run the pin_collect Utility
  • Increasing Performance of the pin_collect Utility
  • Setting the Minimum Amount to Collect
• About Depositing BRM-Initiated Payments
  • When to Run pin_deposit
  • Increasing Performance of the pin_deposit Utility
• About Resolving Failed BRM-Initiated Payment Transactions
  • When to Run the pin_clean Utility
  • Example of Running pin_clean
• About Recovering BRM-Initiated Payment Transactions
  • When to Run the pin_recover Utility
• How BRM-Initiated Payment Transactions Are Performed
  • How BRM Performs Credit Card Charges
  • How BRM Performs Direct Debit Charges
    • About Paymentech Direct Debit Implementation
    • Creating a Custom Direct Debit Implementation
  • How BRM Performs a Batch of Direct Debit Charges
  • How BRM Checks the Results of BRM-Initiated Batch Payment Operations
  • How BRM Validates Credit Card and Direct Debit Transactions
• How BRM Handles Credit Card Information during Account Creation
• About Credit Card Fraud Prevention

3 About SEPA Payment Processing

• About SEPA Payments
  • About the SEPA Direct Debit Payment
  • About the SEPA Credit Transfer Payment
• About Specifying SEPA Payment Information During Customer Registration
  • About the Account Currency for SEPA Payments
  • About Registering the Mandate for SEPA Direct Debit Payments
  • About the Different Types of Mandates
• Managing Customer's SEPA Payment Information
  • Changing the SEPA Payment Method
  • Deleting the SEPA Payment Method
  • Changing the Mandate Information
• About Loading Your Creditor Information into the BRM Database
  • Setting Up and Loading Creditor Information
  • Updating the Creditor Information
• Processing SEPA Payments
  • Creating SEPA Direct Debit Payment Requests
  • Creating SEPA Credit Transfer Payment Requests
  • Generating SEPA Request XML Files
  • Sending the SEPA Request XML Files to Your Bank to Collect Payment
  • Processing SEPA Response XML Files to Handle Failed Payment Transactions
• Reversing an Erroneous Payment Collection
• Using SEPA XML Messages to Exchange Customer's Payment Information
• Configuring the pin_sepa Utility for Generating and Processing SEPA XML Files
• How BRM Handles Mandate Information
  • How BRM Registers a Mandate
  • How BRM Updates a Mandate
  • How BRM Cancels a Mandate

4 Configuring BRM-Initiated Payment Processing

• Overview of Setting Up BRM-Initiated Payment Processing
  • Information You Need from Paymentech
  • Information Paymentech Needs from You
• How Paymentech Manager Handles Electronic Check Processing
  • About Electronic Check Processing (ECP) Methods
  • Payment Formats and Batch Processing
    • Points to Consider
• Setting Up Merchants and Payment Processors
  • Using More Than One Payment Processor
  • Connecting Your Payment Processor Data Managers to the BRM Database
• Configuring the Connection Manager for Paymentech
  • Enabling Direct Debit Processing
  • Enabling Credit Card Tokenization
  • Requiring Additional Protection against Credit Card Fraud
    • Specifying the Maximum Number of Digits Allowed for CVV2 Verification
  • Disabling Paymentech Real-Time Credit Card Validations
• Configuring the Paymentech Data Manager
  • Specifying Merchant IDs and Merchant Numbers
  • Adding Soft Descriptor Information
  • Handling Concurrent Online Paymentech Requests
  • Increasing Registration Speed When Paymentech Is Offline
  • Setting the Connection Timeout Length and Retries
  • Specifying the Batch Mode Encryption Key
  • Using the Paymentech HeartBeat Application
    • Troubleshooting HeartBeat Errors
• Changing How BRM Handles Paymentech Address Validation Return Codes
  • Handling AVS Validations for International Credit Cards
• Customizing How the Results of Credit Card Transactions Are Processed
• Changing How BRM Handles Paymentech Authorization Return Codes
• Testing Paymentech Credit Card Processing
  • Setting Up the Paymentech Simulator
    • Defining the Credit Card Functionality to Test
    • Setting Up the Paymentech DM Configuration File for Testing
    • Specifying an IP Address for the Paymentech Simulator
  • Running the Paymentech Simulators
  • Simulating Failed Credit Card Transactions
  • Resolving Failed Credit Card Transactions
  • About Paymentech Fraud Prevention Using CID and CVV2
• About Paymentech Soft Descriptor Credit Card and Checking Statement Information
• Implementing a Direct Debit Payment Method
  • Direct Debit Options
  • Direct Debit Installation
  • Direct Debit Components
  • Implementing a Custom Direct Debit Payment Method
    • Overview of Adding a Custom Direct Debit Implementation
    • Creating /payinfo Storable Classes
    • Modifying Customer Center
    • Creating Opcodes
    • Creating Event Storable Classes
    • Creating a Data Manager
    • Updating the /config/payment Storable Object

5 Configuring Payment Channels

• About Payment Channel Information
• Setting Up Payment Channel Information
  • Defining Payment Channel Information in BRM
  • Mapping Payment Channel IDs for BRM-Initiated Payments
  • Configuring Payment Channel IDs for Externally Initiated Payments
• Assigning Payment Channel IDs to Externally Initiated Payments

6 Configuring Payment Collection Dates for Automatic Payments

• About Configuring Payment Collection Dates for Automatic Payments
  • About Configurable Payment Collection Dates and On-Demand Billing
  • About Configurable Payment Collection Dates and Delayed Billing

7 Configuring Payment Fees

• About Failed Payments
• About Payment Fees
• Configuring BRM for Payment Fees
  • Defining Payment Attributes for Payment Fees
  • Defining Reason Codes for Failed Payments
• Creating Payment Fees
  • Defining a Payment Fee
  • Defining Thresholds for Payment Fees
  • Defining Exemptions from Payment Fees
  • Removing a Payment Fee from an Account Balance
• Customizing Payment Fees
  • How Payment Fees Are Applied
  • Customizing Payment Fees
  • Storing Additional Information with Payment Fees

8 Configuring Payment Incentives

• About Payment Incentives
  • About Setting Up Payment Incentives
  • About Payment Incentive Processing
  • How Payment Reversals Affect Payment Incentives
• Enabling BRM for Payment Incentives
• Creating Payment Incentive Products
  • Defining a Payment Incentive
• Customizing Payment Incentives
  • How Payment Incentives Work
  • How Payment Incentives Are Triggered
  • Customizing How to Trigger Payment Incentives
  • How Payment Incentives Are Granted
  • Customizing How to Grant Payment Incentives
  • How Payment Incentives Are Reversed
  • Manually Reversing a Payment Incentive

9 Configuring Payment Suspense Manager

• About Payment Suspense Manager
  • Suspended Payment Processing Overview
  • About Setting Up Payment Suspense Manager
  • About the Payment Suspension Process
    • About Payment Validation
    • About Processing Suspended Payments in a Payment Batch
    • About Processing Suspended Payments in the BRM Database
    • About Payment Correction
  • About Distributing One Payment to Multiple Accounts
  • About Allocating an Account-Level Payment to Multiple Bill Units
  • Understanding Payment Recycling
    • About Original Payments
    • About Payment Transfer Direction and Verification
    • About Recycling Payments from Suspense
    • About Recycling Payments to Suspense
    • How Payment Reversals Work with Suspense and Recycling
  • How BRM Tracks Suspended Payments
  • How Direct Reversals and Refunds Relate to Suspense
    • About Directly Reversing Payments from BRM
    • About Refunding Payments
  • About Removing Unallocatable Payments from Suspense
  • About Payment Suspense Manager and Client Applications
  • Summary of Payment Suspension Guidelines and Restrictions
    • General Guidelines
    • Suspended Payment Guidelines
    • Distributed Payment Guidelines
• Configuring BRM for Payment Suspense Manager
  • Enabling Payment Suspense in BRM
  • Creating a Payment Suspense Account
  • Working with Suspense Reason Codes and Action Owner Codes
    • About the Reasons.locale File
    • Loading Reason Codes into the BRM Database
  • Setting Up Permissions for Payment Center
• About Customizing Payment Suspense Manager
  • How Payments Are Suspended during Payment Processing
  • How Payments Are Recycled to and from Suspense
  • How Recycled Payments Are Retrieved
  • How Payments Are Reversed
    • How Payments Are Reversed During Recycling
    • How Payments Are Removed As Unallocatable
  • Customizing Payment Suspense Validation
    • Customization Example: Suspending Large Payments
    • Customization Example: Threshold for Suspending Payments
    • Customization Example: Finding Unconfirmed Payments
    • Customization Example: Error Handling
    • Default Payment Validation Process
    • Payment Validation Flags
  • Customizing Payment Guidance to Suspense
  • Customizing Payment Failure Reason Codes
  • Customizing Payment Tool
    • Adding a Cash Reversal Batch
    • Customizing Suspense Criteria for Payment Tool
  • Handling Custom Payment Methods
• Adding Multischema Support in Payment Processing

10 Configuring Top-Ups

• About Topping Up Accounts
  • About Standard Top-Ups
    • Standard Top-Up Payment Methods
  • About Sponsored Top-Ups
    • About Sponsored Top-Up Groups
    • About Sponsored Top-Up Credit Limits
    • Sponsored Top-Up Limitations
  • About Top-Up Discount Incentives
• Implementing Top-Ups in Custom Client Applications
  • Implementing Manual Standard Top-Ups
  • Implementing Automatic Standard Top-Ups
  • Implementing Manual Sponsored Top-Ups
  • Implementing Automatic Sponsored Top-Ups
• How BRM Sets Up Top-Up Information for an Account
  • Preparing an Account's Top-Up Information
    • Additional Preparation for Sponsored Top-Ups
  • Validating an Account's Top-Up Information
  • Creating or Modifying an Account's Top-Up Information
    • Creating Top-Up Information
    • Modifying Top-Up Information
  • Setting an Account's Sponsored Top-Up Member Status and PIN
    • Activating Sponsored Top-Up Group Members
    • Inactivating Sponsored Top-Up Group Members
    • Setting Sponsored Top-Up Member PINs
  • Finding Sponsored Top-Up Groups
• About Tracking Sponsored Top-Up Adjustments
  • Customizing and Loading Sponsored Top-Up Reason Codes
• Offering Discount Incentives with Top-Ups
• How BRM Performs Top-Ups
  • Triggering PCM_OP_PYMT_TOPUP
  • Performing Top-Ups with PCM_OP_PYMT_TOPUP
    • How PCM_OP_PYMT_TOPUP Handles Manual Standard Top-Ups
    • How PCM_OP_PYMT_TOPUP Handles Automatic Standard Top-Ups
    • How PCM_OP_PYMT_TOPUP Handles Manual Sponsored Top-Ups
    • How PCM_OP_PYMT_TOPUP Handles Automatic Sponsored Top-Ups
  • About Transferring Sponsored Top-Ups from Debit Balances
  • About Retrieving Balance Impact Information for Voucher Top-Ups
  • About Taxes Applied during Voucher Top-Ups
  • Topping Up Accounts in Customer Center and Self-Care Manager
    • Performing Top-Ups in Customer Center
    • Performing Top-Ups in Self-Care Manager
  • Performing Automatic Sponsored Top-Ups
    • Running the pin_balance_transfer Utility
• About Reversing Voucher Top-Ups
  • Reversing Vouchers That Have Only Non-Currency Resources
  • Reversing Vouchers That Have Currency and Non-Currency Resources
• About Vouchers Having Non-Currency Resources with a Positive Impact
• Viewing Sponsored Top-Up History
  • Displaying All Sponsored Top-Ups Associated with an Account
  • Displaying Sponsored Top-Ups Associated with Only One Group
  • Displaying Only Sponsored Top-Up Credits or Debits
• Canceling Top-Ups
  • Canceling Sponsored Top-Ups
    • Canceling a Single Member's Sponsored Top-Ups
    • Canceling an Entire Group's Sponsored Top-Ups
    • Reinstating Sponsored Top-Ups
  • Deleting Accounts That Are Sponsored Top-Up Owners or Members
    • About Deleting Owner Accounts
    • About Deleting Member Accounts

11 Handling Atypical Payments

• Handling Overpayments and Underpayments
• Handling Late or Missed Payments
• Handling Multiple Payments to the Same Account
  • Applying Multiple Payments to an Account through Payment Gateways
• Handling Failed Unconfirmed Payments
  • Submitting Failed Unconfirmed Payments with Payment Tool
  • Requirements for Posting Unconfirmed Payments
  • Customizing Unconfirmed Payment Processing

12 Managing Externally Initiated Payments

• About Externally Initiated Payments
  • Supported Externally Initiated Payment Methods
• Processing a Batch of Payments by Using Payment Tool
  • Who Uses Payment Tool?
  • Running Payment Tool on Windows 7 and Windows 8.1
• About Allocating Payments
  • About Required and Suggested Allocations
  • About Allocating Multiple Payments for the Same Bill
  • Allocating Payments to Bills and Items
  • Allocating an Account-Level Payment to Multiple Bill Units
  • Allocating Payments Later
  • Allocating Payments in More Than One Currency
  • Improving Payment Allocation Performance
  • Allocating Externally Initiated Payments by Due Amount
  • Finding Bills by Due Amount
• About Reversing Payments
  • Supported Payment Reversal Types
  • Processing a Batch of Payment Reversals by Using Payment Tool
• About Externally Initiated Refunds
  • Supported Batch Refund Types
  • Processing a Batch of Refunds by Using Payment Tool
  • Managing Refunds with Your Custom Application
• Managing Nonvalidated Batch Entries
• Processing Lockbox Batches
• About the Columns in Batch Windows
• Importing Batch Data into Payment Tool
• Handling Overpayments and Underpayments by Using Payment Tool
• Working with Multiple Currency Types in the Payment Tool
• Applying Multiple Payments to the Same Account
• Manually Allocating Account-Level Payments to Accounts with Multiple Bill Units
• Enabling Overallocation to an Item
• Configuring Payment Tool to Lock at the Account Level during Batch Processing
• Customizing Payment Details Displayed in BRM Client Tools
  • About the Default /config/paymenttool
  • Rules for Modifying Payment and Reversal Fields
  • Creating an Object Definition for a New Payment or Reversal Event
  • Changing the Order of Columns in Payment Tool
  • Adding a New Column to Payment Tool
  • Adding Direct Debit Details to the Customer Center Payments Tab
  • Customizing the Date Format of Batch Files in Payment Tool

13 Managing Suspended Payments

• About Payment Center
  • How BRM Processes Suspended Payments
• About Searching for Payments
  • About Searching for Suspense Accounts
  • About Payment Center Validation
• About Allocating Suspended Payments
  • About Deferred Payment Allocation
  • About Overallocations and Underallocations
  • About Allocating Suspended Payments to Multiple Bill Units
  • Working with Overpayments and Underpayments
• Configuring Payment Center for Custom Payment Methods
• Customizing the Date Format for Payment Center
• Improved Performance of Searches for Payment Events in Payment Center

14 Resolving Failed BRM-Initiated Payment Transactions

• About Failed BRM-Initiated Payment Transactions
  • How BRM Records Transactions
• Checking for Transaction Errors
• Deleting Failed Verifications
• Resolving Authorizations
• Resolving Refunds
• Resolving Transactions by Using a Request for Response (RFR) File
• Resubmitting Transactions
• Checking for Transactions in Paymentech Send Files
• Resolving Payments
  • Resolving Payments for Custom Pay Types
• Deleting Transactions
• Troubleshooting Unresolvable Credit Card Transactions

15 Reserving Resources for Concurrent Network Sessions

• About Resource Reservation Manager
• About Creating Reservations
  • About Storing Reservations in IMDB Cache
  • About Storing Reservations in the BRM Database
  • Setting the Type of Resource Reserved
  • Setting an Expiration Time for the Reservation Request
    • Setting the Expiration Time for Prepaid Services
• Loading Reservation Preferences for Policy-Driven Charging
  • Updating Reservation Preferences Configuration for Policy-Driven Charging
  • Loading Reservation Preferences for Policy-Driven Charging
• About Extending a Resource Reservation Amount
• About Extending a Resource Reservation Expiration Time
• About Releasing a Partially Used Reservation
• About Releasing an Unused Reservation
• About Reserving and Releasing Disputed Amounts
• Sending Reservation Requests to the Resource Reservation Manager Opcodes
  • Creating Reservations
  • Associating a Session with a Reservation
  • Extending the Reservation Amount
  • Finding a Reservation
  • Releasing Reservations
  • Extending the Expiration Time for a Reservation
• Customizing Resource Reservation
  • Customizing Resource Reservation Rules
  • Customizing the Rules for Extending a Reservation
  • Customizing the Rules for Releasing a Reservation
  • Customizing the Offer Profile Threshold Notifications
• Installing Resource Reservation Manager
  • System Requirements
  • Software Requirements
  • Installing Resource Reservation Manager
• Uninstalling Resource Reservation Manager

16 Payment Utilities

• load_pin_ach
• pin_balance_transfer
• pin_cc_migrate
• pin_clean
• pin_collect
• pin_deposit
• pin_recover
• pin_sepa