Understanding Credit Card Processing

The credit card processing documentation provides an overview of traditional credit card processing, credit card processing using the hosted model, and the prerequisites for each.

This diagram illustrates a side-by-side comparison of the traditional payment model in FSCM applications and the hosted payment model in which a third-party service provider stores and processes payments.

The following table provides a side-by-side comparison of data storage in the traditional model versus hosted model:

In the traditional credit card model, the following are stored locally:	In the hosted implementation, the PeopleSoft Order to Cash system stores the following:
First and last name of the card holder
Credit Card type	Credit card type
Credit card number (encrypted)
Last four digits of the credit card number	Last four digits of the credit card number
Expiration month and year
Payment processor name	Payment processor name
Credit card address
Phone number
Email address
	Profile ID