How can I enter a new credit card number

in SAP applications?

SD

Biller
Direct

CRM

EIPP

Open AR

Card Detail :- Sales order

Ability to go into
more details for
further
processing

Card Detail :- Biller Direct

Card Detail :- Open AR

Card Entry :- eCommerce Store

Select font(s) from

that font family and
add to Cart

Card Entry :- eCommerce Store

Final Review and

Checkout

Card Entry :- EIPP

Customer can select one

or more unpaid invoices,
for payments and click
pay Bills

Card Entry :- EIPP

Customer can either

choose to pay using a
Existing Credit
Card(secured with
token) or using New
Credit card
8

Card Entry :- EIPP

PCI compliant Page for

Entering Credit Card
details ensures Card
Safety

What is data intercept and why does

Payments Ondemand use it?

Does Payments Ondemand store the

credit card information?
How do I get a token replacement for a
credit card number? What is a card vault?
Where is it located? Is it secure?
Who actually generates the token?
Where is the credit card number stored
that the token replaces?

Credit Card Payments How does it

Flow?
A
Merchant
Enter
Card
Details

System

Acquiring
Bank
(Merchant
Account)

S
Gateway

S
A

Processor

A
S
Provide
Card
Details

Customer
Issue Credit Cards

Issuing Bank
(Customer
Account)
Card Networks

Tokenization :- New Card

Other Gateway
Cloud Based Payment
Gateway

Client

SAP
Server

C
T

Window
s Server

Gatewa
y
Server
T

Processor

Process
or
Server
C
C

Card
Vault

Card
Vault

Client

Cloud Based Payment

Gateway

Processor

SAP
Server

Gatewa
y
Server

HighRadius

C
T

Process
or
Server
T
Card
Vault

T Token Transmission

Card Information

Tokenization :- Existing Card

Other Gateway
Cloud Based Payment
Gateway

Client

SAP
Server

Window
s Server

Gatewa
y
Server
T

HighRadius
Client

SAP
Server

Processor

Process
or
Server
C
C

Card
Vault

Card
Vault

Cloud Based Payment

Gateway

Processor

Gatewa
y
Server

Process
or
Server
C

Card
Vault

T Token Transmission

Card Information

If I am using an eCommerce solution that

is not SAP's Web Channel, how do I get
the token into SAP for processing?

Process
eCommerce
Store
ASAS
ISIS
Process
Ecommerce
Store
Credit
Cards
Credit Cards
eCommerce Store
Select Pay Via Credit Card on Shopping
Cart Page

T
A
S

Batch File

Dynamics NAV
Create
Order in SAP

Delivery

Billing

T Tokenization

Processor
(Cybersource,
PaymentTech,
First Data etc.)

A Authorization

Open
Invoice

S Settlement

Manual
Reconciliation
for Invoice
Processing in
NAV

Future State Design SAP eCommerce

Future State Design - SAP Ecommerce Integration
Integration
eCommerce Store
Select Pay Via
Credit Card on
Shopping Cart
Page

HighRadius
Credit Card
Payment Page

T
A

Real-Time or Batch

SAP
Create
Order in SAP

Billing

T Tokenization

Delivery

A Authorization

Accountin
g Invoice

S Settlement

HighRadius
Payments
Gateway

Processor
(Cybersource,
PaymentTech,
First Data etc)

What if I am
accepting a debit
card not a credit
card?
Signature based debit
cards are supported and
utilized the same as a
credit card. A pin-based
debit card requires the
entering of a pin code
via proprietary handling
unique to the device and
processor, thereby
requiring a special,
custom connection.

Is a Pcard or other card

used for a Level III
transaction entered
differently?
No, the entry into the
Data Intercept screen is
the same as the
requested information
from the card is the
same. The level III
details are sent with the
transaction processing,
not the token request.

What triggers an authorization for an

order in SAP systems?

Authorization: Save Order to Trigger Authorization

After Tokenization
save order to
trigger
Authorization

Real-time
request to
gateway

Authorization: Authorization in Progress

Real-time
response from
gateway

How is an authorization request

handled by the processor?

R
SAP

Payments
Ondemand

R
A

Processor

A
Typically is takes 24 Seconds to get
the authorization
from the processor

Issuing
bank for
the credit
Card
Issuing bank Checks 2
things
1. Card Validity
2. Credit Limit on Card

Is an authorization granted in all cases?

If not, what keeps an authorization from
being successful?
Authorizati
on Status
Authorizati
on
Successful

Authorizati
on Soft
Decline

Successfully
reserve the
money in the
Credit card with
Response code
as Success

It will still
process the
transaction
based on
Company policy.
Reason for soft
decline would be

Authorizati
on hard
Decline
will not accept the
transaction in addition to an
authorization granted
status which returns an
authorization code that is
transmitted when the
settlement request is