Payment Instruments
The Payment Instruments feature makes using various payments methods more straightforward and, in the case of payment cards, more secure. Payment instruments provide a set of fields that can be used to charge a shopper without any action on the shopper's side.
The shopper does not have to take any action when, for example, the Card on File box was previously checked, or a token that represents a payment card was previously created.
Use Payment Instruments only with payment gateways that are natively integrated with NetSuite.
Payment Instruments are enabled by default on new accounts.
Benefits of Payment Instruments
The Payment Instruments feature provides the following benefits:
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An overhauled user interface becomes available. Notably, it is possible to stop relying on the legacy Credit Card field.
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Fully supported tokenization. For more information, see the help topic Tokenization.
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With the Payment Instruments feature enabled, the following full-fledged records become available: ACH, Payment Card, Payment Card Token, and General Token. With Payment Instruments, you can do the following:
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use CSV and Web Services imports
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use enhanced search capabilities
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import third-party tokens – verify with your vendor whether their integration supports importing and using gateway tokens
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handle credit cards in a more versatile way
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Using Payment Instruments records does not disrupt existing workflows with the Credit Card field and payment-related records: sales order, cash sale, customer payment, customer refund, and customer deposit. Payment Instruments support all workflows with the listed records and the Credit Card field. After you enable Payment Instruments, all fields stay available for scripting despite being hidden in the UI.
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Your Visa card processing through NetSuite will become compliant with the new Card on File mandate from Visa.
NetSuite built-in integrations comply with the Card on File mandate. Note that failing to comply with the Card on File mandate may result in penalties.
Considerations Before Enabling Payment Instruments
The Payment Instruments feature provides new records, which may disrupt integrations with third-party commerce solutions. Previously, importing credit cards was sensitive with regards to PCI compliance. If supported by your gateway vendor, the new design enables you to import tokens that represent credit cards. The tokens are stored with your gateway service. Using credit card tokens diminishes PCI data security concerns.
Importing credit card data after enabling the Payment Instruments feature disrupts your integration. You must map the imported credit card data to the new Payment Card record.
You must use SuiteCommerce or SuiteCommerce Advanced 2019.1 or later with tokenized payment instruments. Using tokenized payment instruments with SuiteCommerce or SuiteCommerce Advanced requires templates included in SuiteCommerce Base Theme version 2019.1 or later.
Tokenized payment instruments are not supported on SiteBuilder Extensions.
Enabling the Payment Instruments Feature
Prerequisite: before you can enable the Payment Instrument feature, you must first enable the Credit Cards Payments feature on your account.
To enable the Payment Instruments feature:
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Go to Setup > Company > Enable Features.
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Click the Transactions subtab.
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Check the Payment Instrument box.
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Click Save.
Creating a Payment Instrument Manually on a Customer Record
After enabling the Payment Instruments feature, you can create a payment instrument for the customer.
To create a payment instrument manually for a specific customer:
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Search the customer's name in the search field, or go to Lists > Relationships > Customers, and select the customer you want to create a new payment instrument for.
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Click the Financial subtab, then click the Payment Instruments subtab.
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Click New.
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In the Primary Information section, select the desired payment instrument from the Type list. A different set of field becomes available after selecting either a General Token or Payment Card Token.
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Fill out the fields on the payment instrument page
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Click Save.