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Visa's Stored Credential Transaction Framework

edited May 19, 2019 5:01AM in Receivables - EBS (MOSC) 1 commentAnswered

Visa has a new requirements for credit card processing.

The Stored Credential Transaction Framework includes a mandate to identify the initial storage and subsequent usage of payment credentials.

During authorization Visa will be returning a Transaction ID (this is new and different than the AuthCode). The Transaction ID needs to be stored in Oracle and used in all future auths and charges for this payer.  This allows Visa to link all charges to this original stored credential.

This impacts the Funds Capture authorization and acknowledgement process to retrieve and store the Transaction ID.    Also, the settlement process must pass the Transaction ID in the settlement file. For example, the 120-byte Batch Technical Specification (template IBY_PTK_B_2_1_en.rtf) needs to modified for the Transaction Id data to be received and sent.

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