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 HCL 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.