Payments Processing Considerations

 Payment Processing involves :
     1. Payment authorization
     2. Settlement
     3. Invoicing

Payment Processing features :
    1. Multiple payment methods - Single order can be paid with multiple payment methods using discount coupon, Giftcard/check and two credit cards

    2. Synchronous payment processing - The sterling OM transaction and user exit contact the external payment processing system synchronously and wait for the result of authorization. the payment status on the order will be updated accordingly depends on the status of success and failure of the request

    3. Asynchronous payment processing((need to be clarified with someone)) - an order will not be moved to paid status if there are any pending authorizations in the system... once there is no pending authorization on the order, only then the order will move to paid status

    4. External collections through accounts receivable : Sterling OM permits integration with external system that handles accounts receivable information. If this is enabled all the invoiced details will be published to external accounts receivable system. Settlement process will not be handled by Sterling OMS. Any collections occurring outside sterling OM are not reported back 

    5. User Exits and API's provided to handle customer logic : User exits get invoked selectively, depending on payment type. 

    6. Charge consolidations : 
    7. Pre-payments recorded
    8. Request amount returned : 
    9. Delayed Re-authorization
    10. CTR(Charge transaction request)
    11. Reverse authorization
    12. Pre-settlement support
    13. Named user exits
    14. Draft order payment processing
    15. Invoicing
    16. In-store order invoicing
    17. Returns payment processing and refund fulfillment

    18. Exchange payment processing : When an exchange is created, the total amount of the return order will be added to the PENDING_TRANSFER_IN field of the exchange order, The value is always kept synchronized on the exchange and return order.
  For ex: if an exchange is initially derived from the return order with a total amount of 50$ and later the line is added to the return that increases 50$, then the PENDING_TRANSFER_IN field of the exchange order will increase to 60$
     For advanced and regular exchange order, if the total amount on the exchange is exeeds the amount in PENDING_TRANSFER_IN, then the additional payment info needs to be entered
     Transfer_In : it is created on the exchange order
     Transfer_Out : it is created on the order on which the amounts have been transferred from
In Case of prepaid exchanges, the payment info should be collected upfront for the amount of exchange order

    19. Manual interventions : 
    20. Order transaction complete : For in-store orders, the store manager should consider the below steps before marking the order complete and customer leaves the store
                a) Holds are resolved : If the order verification fails for the ship to home address then the customer should provide the valid/correct address before marking the transaction as completed
                b) Payment processing is complete for transaction that require in-person payments
                    like, customer orders an item online and paid when the item is picked-up. 

    21. Multiple control levels
    22. Payment rules



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