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Following note might be helpfull to you
Payments In Order Management In R12 [ID 1164613.1].
Other notes for credit card related details are
How to Mask or Encrypt Credit Card Number in OE_ORDER_HEADERS_ALL Table? [ID 733415.1]
How To Suppress Credit Card Types When Entering An Order? [ID 331611.1]
Oracle Applications Credit Card Encryption [ID 338756.1]
Test Credit Card Numbers [ID 395462.1]