Implementation Guide for Oracle Billing Insight > Payment Processing > About Credit and Debit Card Processing >

Instant Credit or Debit Card Payments

The following code shows the status values for an instant credit card or debit card payment. For instant payments, there is no scheduled state:

• Settled
• Failed-authorize
• Failed

An instant card payment processes as follows:

1. A user submits an instant credit or debit card payment from the UI.
2. Oracle Billing Insight sends the payment to the credit card cartridge in real time.
3. If the card is authorize and settled, then the credit card state is set to Settled.
4. If the card failed to authorize, then the state is set to Failed_authorize.
5. If there is a network problem, then the state is set to Failed.
6. The card is inserted into the EDX_PMT_TRANSACTION table.
7. The result of the transaction is presented to the user.
8. The pmtPaymentReminder job runs and (optionally) sends email to users who have made an instant payment.