Payment Card Processing (SD-BIL-IV) 

Purpose

Payment cards frequently replace cash as a means of payment, becoming indispensable to customers and valuable tools for businesses. The importance of payment cards requires their integration into modern business processes.

Payment card processing in the SAP System offers you a wide range of functions in Sales and Distribution, Retail point of sale, Financial Accounting, and Internet commerce. It contains the basic tools you need to handle payment cards in a variety of business environments.

Integration

Sales and Distribution (SD)

Install the SD component to process payment card data in master records, sales orders, and billing documents. With this component, you can:

·        Integrate payment card activities into the sales, delivery, and billing processes

·        Exchange information with clearing houses for authorization

·        Manage complicated sales scenarios involving payment cards

·        Handle procurement cards

Payment cards play an important role in Risk Management. As of Release 4.0, you can use payment cards to secure payment guarantee for your receivables.

To configure payment card functions, choose Billing  ® Payment cards in Customizing for Sales and Distribution.

Financial Accounting (FI)

Install the FI component to carry out settlement and payment functions to complete your activities in Sales and Distribution, and process payment card data in accounting documents. With this component, you can:

·        Set up an open item-managed, general ledger account for each clearing house

·        Record processing fees charged by the clearing house for its services

·        Manage information sent back by clearing houses to accept or reject card transactions

·        Carry out bill-back processing when a customer disputes a transaction

Retail

Install the Retail component to process payment card transactions from point of sales (POS) systems. With this component, you can:

·        Carry out authorization from external systems

·        Import data into the SAP System from external systems

·        Process POS data in billing and accounting documents

Internet Application Component (IAC)

Install the IAC component to do business on the Internet. With this component, you can:

·        Automate order entry

·        Handle electronic payment

Human Resources (HR)

Install the HR component to process walking cards. This is not a new function, however. Walking card processing has been a part of the standard system in Travel Expenses since Release 3.0D.

Constraints

Although banks and purchasers are included in the payment card concept, this first phase of payment card processing has been designed specifically for merchants.