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

Scheduled Credit and Debit Card Payments

The following code shows the status values for a scheduled credit or debit card payment:

• Scheduled
• Cancelled
• Settled
• Failed-authorize
• Scheduled

Scheduled credit or debit card payments process is as follows:

1. A card payment is scheduled by the customer through the user interface, and the payment is marked as Scheduled in the EDX_PMT_TRANSACTION table.

   Before the scheduled card payment is processed by pmtCreditCardSubmit, the user can modify or cancel it.

2. When the pmtCreditCardSubmit job runs, it selects all credit and debit card payments that are scheduled to be paid at the time the job runs, opens a connection to the credit or debit card payment gateway, and starts making payments. The Number of days before a credit or debit card's pay date for it to be submitted parameter determines how many days in the future to look when selecting payments to be made.

   If ICreditCardPlugIn has been implemented in Payment Settings, then this job modifies the card payments that are scheduled to be paid, or takes other actions related to the selected card payments. Functions in the plug-in are called before and after credit and debit card payment processing. For more information about the pmtCreditCardSubmit job and its plug-in, see Administration Guide for Oracle Billing Insight. For help with configuring job plug-ins, contact your Oracle sales representative to request assistance from Oracle's Professional Services.

3. The credit card gateway sends the transactions to the credit card processor. The credit card processor either authorizes and settles the payment, or rejects it. The results are returned to the credit card gateway, which forwards the results to the pmtCreditCardSubmit job.
4. The pmtCreditCardSubmit job changes the status of the credit or debit card payment in the Oracle Billing Insight database depending on the transaction status returned by the credit card processor, and optionally sends email to the customer about the status of the payment.
   • If the card is authorized and settled, then the credit or debit card status is set to Settled.
   • If the card fails to authorize, then the status is set to Failed_authorize.
   • If there is a network problem, then the status remains Scheduled.
5. The pmtPaymentReminder job runs and (optionally) sends email to users about the status of their scheduled payment.