Use Payment Process

Payment data flows from engagement channels into Buying Experience and then from this application into your billing system through CX Industries Framework. The billing system can be Oracle Communications Billing and Revenue Management or any third-party billing system.

Ensure that your billing system is registered for listening to buying outbound events. Use the same payment gateway instance for all the engagement channels and the billing system so that the same instance can be used to collect all the payments.

Here's the payment process flow:

1. Each engagement channel captures the token from the payment gateway for first-time purchase by using Hosted Payment page and sends it to Buying Experience. Channels have to embed their own Hosted Payment page. Channels can collect one-time payments for purchase.

2. The application accepts the token and creates the token payment method. It also stores the payment method if the account is a Customer or Party account.

3. The application generates TMF events to notify the billing system about the payment method creation.

4. The application passes the token and the external payment method ID as correlation ID to the billing system.

5. The billing system creates tokenized payment method using the external payment method ID and token received from the application. The billing system stores the external payment method ID as external payment method number.

6. The billing system sends the external payment method number and the payment amount to the payment gateway for collecting payments.

7. The billing system sends the tokenized payment method for billing accounts to collect one-time payment, recurring payments, and also trigger refunds.

Here's an image that illustrates the payment process flow for a purchase.