Implementation Guide for Oracle Billing Insight > Payment Processing >

About Credit and Debit Card Processing

Credit card and debit card dpayments are supported for immediate and future (scheduled) payments. Card payments require two steps:

• Authorization. Authorization verifies the customer account and puts a hold on the account for the amount of the payment.
• Settlement. Settlement occurs when the payment is made.

Oracle Billing Insight Payment performs authorization and settlement in one transaction.

Credit card and debit card payments require an agreement with a credit card gateway to process credit card transactions. A cartridge for PayPal Payflow Pro is provided with Oracle Billing Insight, which requires signing up with PayPal Payflow Pro payment services. The Chase Paymentech Orbital Payment Gateway cartridge has been tested for use with Oracle Billing Insight. In addition, you can create cartridges to support other payment processors. For help with cartridges, contact your Oracle sales representative to request assistance from Oracle's Professional Services.

CAUTION:  Chase Paymentech PNS does not support debit card payments. If you use this option, then you must remove the debit card option from the Self-Service application UI. Otherwise, attempted debit card payments will not process successfully.