Stored Payments

SOLO Server uses stored payments to hold information for processing recurring payments and installments, which pertains to payment plans, and payment plan instances which are associated with stored payments.

Payment Information

The information saved in stored payments varies depending on the type of merchant account being used. Some types of merchant accounts require saving credit card data, while others reference information of a prior payment to process another payment (the latter of which is ideal). This is described in detail below.

• DIBS Debitech and PayPal Payments Pro gateways - A reference payment will be used for both of these gateways unless the merchant account is set to store all credit card data, in which case credit card payments will be used.
• All other gateways - Credit card payments are always used. Full credit card storage must be set on the merchant account in order to use stored payments.

Fields

When adding or editing a stored payment, the fields listed below will be displayed regardless of whether the using reference or credit card payments.

• For credit card stored payments which have the full credit card data available:
  • Users with permission to view credit card numbers will see all fields pre-populated with the existing payment data.
  • For users without permission to view credit card numbers, the card number will be displayed in masked format. If the credit card number has not changed, the form may be resubmitted with the masked value to use the existing card number.
• For reference stored payments:
  • When storing partial credit card details, the credit card fields will be cleared, but the billing address information will be pre-populated with the existing billing address data.
  • When storing no credit card details, the credit card fields will be cleared and the billing address information will be pre-populated with values from the customer record.

Card Number

The card number.

CVV2 Number

The card CCV2 number (a 3 digit number on the back of Visa/Mastercard or a 4 digit number on the front of Amex cards).

Expire Month

The card expiration month.

Expire Year

The card expiration year.

First Name

First name on the credit card account.

Last name

Last name on the credit card account.

Address Line 1

The account billing address.

Address Line 2

Line 2 of the account billing address (if applicable)

City

The account city.

State/Province

The account state/province.

Postal Code

The account postal code.

Country

The account country.

Phone

The account phone number.

After submitting changes when adding/editing a stored payment, a test authorization for $1 will be performed to verify the card data. Depending on the card issuer, this may result in a temporary hold being placed on the card for these funds which may last for several days. This will NOT show up on the credit card statement as a charge. If this transaction fails, an error message with the reason for the failure will be displayed. If the test succeeds:

• For reference transactions against a merchant account set to store no credit card data, only the reference transaction information will be stored.
• For other cases, either partial or full credit card data will be stored based on the merchant account configuration.