Payment processing solution

An unlimited number of payment methods can be used on an order. The payment methods are based on the following payment types defined in Sterling Store

Through user exit implementations, Sterling Store interacts with the payment servers to authorize and charge the payment methods, if applicable. It is assumed that the front-end system attempts to validate and charge the payment methods up front, and Sterling Store attempts to validate any unauthorized or uncharged amount at the time of order capture, or when a payment method is modified on the order.

Sterling Store provides the capability to put an order on hold if the spending limit of the customer is breached. The hold type that is applied to the order is determined by the Hold Type To Be Applied When Order Needs Approval rule. To use this functionality, you must enable the Hold Type To Be Applied When Order Needs Approval rule in the Applications Manager. For more information about defining transaction rules, refer to the Configuring Sterling Distributed Order Management

When any payment method validations or charges fail, the system invokes configurable services to send alerts to queues that are monitored by user groups.

Based on the encryption rules configured as part of the Installation Rules provided by Sterling Selling and Fulfillment Foundation, some of the fields of the different payment methods can be encrypted. These encryption rules are read by the client and the encrypted payment attributes are hidden from the user. For more information about Installation Rules, see the Configuring supplied and add-on solutions.

Table 1. Attributes that may be encrypted
Payment Method Rule—Encrypt Primary Payment Attributes for the following Payment Type Groups Attributes UI Behavior
Credit Card Credit Card Credit Card # Display Credit Card #.
Credit Card Encrypt Credit Card Name and Credit Card Expiration Date Credit Card Name, Expiration Date The Credit Card Name is displayed as a set of asterisks.

The Expiration Date fields specified, i.e. the Month and Year, are also displayed as a set of asterisks.

Stored Value Card Stored Value Card SVC #, Payment Reference 1 Display SVC #, Display Payment Reference 1.
Customer Account Customer Account Customer Account # Display Customer Account #.
Check/PrePaid/Other Payment Other Payment Reference 1 Display Payment Reference 1.
Note: Currently, the Sterling Store application does not support unlimited charges for a payment method.

Payment method display sequence

The payment type's charge sequence is used when adding payment methods to the order. If the charge sequence of two payment methods is the same, the following logic is used to display the payment methods in the Confirm Payment screen:

Logic used to apply charge amounts

The charge amount will be automatically added to the payment methods of the OTHER and STORED VALUE CARD payment type groups based on the MaxChargeLimit and FundsAvailable attributes defined for the groups respectively.

If only one credit card or customer account exists on the order along with the payment methods of the OTHER payment type group or STORED VALUE CARD payment type group or both the groups, the charge amount will be automatically added to the payment methods of the OTHER and STORED VALUE CARD payment type groups, and the remainder of the order total will be applied as the charge amount on the credit card or customer account.

During order modification, only the additional amount of the order will be required for charge amount entry. The existing stored value card, credit card, and customer accounts will be visible for assigning additional charge amounts, if applicable. The MaxChargeLimit will be increased on these payment methods, but no real-time authorization will occur. The user can also add additional payment methods, if required.