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Is it possible for Customers to make credit card payments through AR, without using Bill Management

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Summary:

Is it possible for Customers to make credit card payments through Accounts Receivables, without using Bill Management?

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Our client's requirement is to enable their customers to self pay their payment. Also, is it required to have an invoice created in oracle AR for the customers to make payment or can it be created on adhoc basis directly while making the payment?

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