Payment, refund, and return payment business policies

Payment methods and refund methods are defined in the POLICY, POLICYDESC, and POLICYCMD database tables. If the predefined payment methods and business policies do not meet your needs, you can add new ones. However, do not remove a Payment or ReturnPayment business policy; this could result in a broken payment term and condition.

The tables contain the following information:

POLICY
Defines the payment and refund methods that are used by a store or store group.
POLICYDESC
Stores the descriptive names of the policy (such as the short and long description).
POLICYCMD
Defines a set of payment command implementations for each payment policy.

Payment and refund business policies

The following table lists Payment business policies. These policies are used for both payment methods and refund methods. That is, the payment method name and the refund method name are all corresponding to the policyname in the policy.

Policy ID Business policy name Store entity Id Short description Long description Properties
-9800 VISA -1 Visa payment method Visa credit card that is used as a payment method to place an order
attrPageName=StandardVisa
requireExplicit=true
paymentConfigurationId=default
compatibleMode=false
display=true
-9801 Master Card -1 MasterCard payment method MasterCard credit card that is used as a payment method to place an order
attrPageName=StandardMasterCard
excludeFrom=defaultTC
requireExplicit=true
paymentConfigurationId=default
showQualifiedSensitiveData=false
compatibleMode=false
display=true
-9802 Check -1 ACH Electronic checks that are used as payment methods
attrPageName=StandardCheck
excludeFrom=defaultTC
requireExplicit=true
paymentConfigurationId=default
compatibleMode=false
display=true
-9803 AMEX -1 American Express Credit Card American Express credit card that is used as a payment method
attrPageName=StandardAmex
excludeFrom=defaultTC
requireExplicit=true
paymentConfigurationId=default
showQualifiedSensitiveData=false
compatibleMode=false
display=true
-9804 BillMeLater -1 Bill is sent to customer Bill is to be sent to customer after the order is placed
attrPageName=StandardBillMeLater
excludeFrom=defaultTC
requireExplicit=true
paymentConfigurationId=default
compatibleMode=false
display=true
-9805 COD -1 Cash on delivery Payment is due and payable upon delivery of goods.
attrPageName=StandardCOD
excludeFrom=defaultTC
requireExplicit=true
paymentConfigurationId=default
compatibleMode=false
display=true
-9806 LineOfCredit -1 Line of Credit A line of credit is used. Typically this policy is mapped to a predefined credit card number.
attrPageName=StandardLOC
excludeFrom=defaultTC
requireExplicit=true
paymentConfigurationId=default
compatibleMode=false
display=true
-9807 PayLater -1 Pay later Payment information is sent by the customer later.
attrPageName=StandardPayLater
excludeFrom=defaultTC
requireExplicit=true
paymentConfigurationId=default
compatibleMode=false
display=true
-9808 Discover -1 Pay by Discover credit card Discover credit card that is used as a payment method
attrPageName=StandardDiscover
&paymentConfigurationId=
default&display=false
&compatibleMode=false
Note: If you want to use a payment method that is not listed in the table, you must create a payment method. For information about creating a payment method, see Adding a new payment or refund method.
paymentConfigurationId
paymentConfigurationId is the payment configuration group. See Payment configuration group
attrPageName
Identifies the name of the JSP snippet (without the .jsp suffix) that is used to generate an HTML page. The HTML Page prompts the user for the payment attributes or parameters that are required by the payment policy. JSP snippets are available for processing standard credit card brands and other payment methods. See Sample: Payment method JSP snippets. There is no default value for this property.
display
Identifies whether the payment method is displayed at the storefront for the shopper to use.
false
Shoppers cannot use this payment method.
true
The default value. Shoppers can use this payment method.
compatibleMode
Identifies whether this payment method uses payment plug-ins.
false
The default value. The payment method uses payments plug-ins.
true
The payment method integrates with Payment Service Provider by using non-plug-in mechanism that is provided by WebSphere Commerce version 5.x.

Return payment business policies

The following table lists which refund method to use when crediting a refund amount to the shopper. For example, the policy can define that the refund method should be the same as the original payment method, or that the refund method is always the line of credit.

Policy ID Business policy name Short description Long description Properties
-2002 DependentCreditSupport Refund with dependent credit support. Refund using original payment methods with dependent credit support.
-2001 UseOriginalPayment Refund using original payment method Refund using original payment method. None
Note: This policy is the same as in previous releases. The Returns system identifies payment information from the original order.
-2000 Credit Refund using Line of Credit Credit used as a payment method while requesting a refund in association with an RMA. None
Note: This policy is the same as in previous releases. The Returns system identifies Line Of Credit from the contract.