Administration Guide for Oracle Billing Insight > Configuring the Payments Module >

About the Transaction Manager and Payment Cartridges

Payment provides a payment transaction manager and several payment cartridges. The payment transaction manager provides generic payment transaction processing capabilities. Depending on the payment type, the payment transaction manager communicates with a payment cartridge using different payment objects to include, a check or credit card.

A payment cartridge communicates with a payment gateway, to include ACH. The cartridge translates a payment object to a format understandable by the payment processors.

Payment uses the following payment cartridges:

• ACH. The ACH payment cartridge transforms bill payments to National Automated Clearing House Association (NACHA 2001) file formats. This payment cartridge supports the batch-oriented electronic funds transfer system governed by the ACH operating rules. ACH payment cartridges generate outbound files that are sent to ACH and processes inbound files that are returned from ACH. Payment supports Prearranged Payment and Deposit Entry (PPD), Cash Concentration or Disbursement (CCD), and Internet Initiated Entry (WEB) formats.

  Part of configuring an ACH payment gateway involves creating inbound and outbound directories to store files, then specifying the pathnames to these directories in the ACH configuration form.

• Credit Cards. Each credit card processor requires a specific credit card payment cartridge to process credit card payments. Oracle Billing Insight supports the following credit card gateways:
  • PayPal Payflow Pro. Processes real-time online authorization and payment by credit card.
  • Chase Paymentech Orbital (PNS or Salem). Processes real-time online authorization and payment by credit card. Chase Paymentech Orbital gateway on the Salem platform can also process debit card transactions.