Create Credit Card Token Using the Correct Merchant Identifier

You can select the applicable business unit (BU) while creating a token with CyberSource from a customer site. This lets the application determine the correct merchant.

Oracle Payments identifies the payment system account for creating tokens with CyberSource. During this process, the intersection of BUs associated with the merchant ID and BUs accessible to user helps determine the BU for token creation. Oracle Payments identifies the payment system account associated with this BU.

Result of Intersection of Business Units	Payment System Account
Only one business unit	BU-specific payment system account
Multiple business units	Default setup from the payment system

When the intersection results in multiple BUs, Payments can't determine the correct payment system account. Therefore, it uses the payment system level setup for creating the token. You can select the correct BU associated with the correct merchant identifier while creating a credit card from the customer site. You can also select the BU from the transaction context. The credit card created at customer account level always uses the default payment system level setup since the business unit selection isn't available.