Payment business policies for Payment Rules

Payment methods and refund methods are defined in the WebSphere Commerce business policy database tables. These policies are described in the tables shown in this topic. These payment business policies are available for use right away for the payment methods supported in WebSphere Commerce.

If the available payment methods and business policies do not meet your needs, new payment/refund methods can be added and new payment business policies can be defined. Site Administrators can configure Payment Rules rules for a store and can configure the payment plug-in to support the new payment method. If you are adding a new payment method or refund method for use with Payment Rules , update the WebSphere Commerce database tables that contain information about the payment methods or refund methods that your store will use.

The database tables you will update are POLICY , POLICYDESC and POLICYCMD. The POLICY table contains information about the payment methods used by a store or store group, and any special properties used. The POLICYDESC table stores the descriptive names of the policy (such as the short and long description). The POLICYCMD table will define a set of payment command implementations for each payment policy. This database table information is required regardless of the type of store or business model you are using.

The business policies used by the Payment Rules subcomponent are:

Payment

Defines a payment method that flows through Payment Rules

ReturnPayment

Defines a refund method that flows through Payment Rules

The Payment and ReturnPayment policies are similar in type to the policies used in previous release. However, these policies have some different implementation for the new payment policy commands associated with them that make them different from the payment business policies used in previous release.

The business policy tables can be updated by using the massload utility (the Loader) which loads an input XML file to the target database. Instructions on how to use the massload utility are provided in the "massload utility" topic in the WebSphere Commerce information center. (As an alternative, you can enter SQL statements to load the data, but use of the massload utility is recommended to avoid having to supply unique ID values for the new records.)

The business policy tables do not contain information about the type of payment or refund actions or rules the payments subsystem will use. They merely identify the payment and refund methods. The actual payment and refund actions are defined by configuring XML files for Payment Rules .

The following table lists the supported business policy configuration for the payment and refund methods for Payment Rules. Whenever a new payment or refund method is added to a store, a business policy with the Payment or ReturnPayment type must be created in the business POLICY table (with corresponding entries in the POLICYDESC table)., and the POLICYCMD table wll be inserted a set of payment policy commands. For every new entry added to the POLICY table, the value for the Business Policy Name field must match the payment (or refund) method ID configured in Payment Rules (the paymentMethod value in the PaymentMethodConfigurations.xml file, or the refundMethod value in the RefundMethodConfigurations.xml file).

The removal of a Payment or ReturnPayment business policy can result in a broken payment terms and condition because the relationship to the policy is removed.

Note: If you are using the line of credit payment method in previous version, you should ensure that the POLICY table has two entries, one for each type of order environment, and that the business policy name is not identical for both policy entries.

New payment business policies introduced by Payment Rules (policy type = Payment)

Policy ID Business policy name Store entity Id Short description Long description Properties*
-9800 VISA -1 Visa payment method Visa Credit Card used as a payment method while placing an order 
    attrPageName=StandardVisa
      requireExplicit=true
    paymentConfigurationId=default
    compatibleMode=false
 display=false
-9801 Master Card -1 Master Card payment method MasterCard Credit Card used as a payment method while placing an order 
    attrPageName=StandardMasterCard
    excludeFrom=defaultTC
    requireExplicit=true
    paymentConfigurationId=default
    showQualifiedSensitiveData=false
    compatibleMode=false
    display=false
-9802 Check -1 ACH Electronic checks used as payment methods 
    attrPageName=StandardCheck
    excludeFrom=defaultTC
    requireExplicit=true
    paymentConfigurationId=default
    compatibleMode=false
    display=false
-9803 AMEX -1 American Express Credit Card American Express Credit Card used as a payment method while placing an order on B2B stores 
    attrPageName=StandardAmex
    excludeFrom=defaultTC
    requireExplicit=true
    paymentConfigurationId=default
    showQualifiedSensitiveData=false
    compatibleMode=false
    display=false
-9804 BillMeLater -1 Bill is sent to customer Bill is to be sent to customer after order is placed 
    attrPageName=StandardBillMeLater
    excludeFrom=defaultTC
    requireExplicit=true
    paymentConfigurationId=default
    compatibleMode=false
    display=false
-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=false
-9806 LineOfCredit -1 Line of Credit A line of credit is used. Usually this is mapped to a predefined credit card number. 
    attrPageName=StandardLOC
    excludeFrom=defaultTC
    requireExplicit=true
    paymentConfigurationId=default
    compatibleMode=false
    display=false
-9807 PayLater -1 Pay later Payment information is sent by customer later. 
    attrPageName=StandardPayLater
    excludeFrom=defaultTC
    requireExplicit=true
    paymentConfigurationId=default
    compatibleMode=false
    display=false
-9808

PayByPONumber

 -1 Pay by purchase order number Payment method is the PO number. 
    attrPageName=StandardPayByPONumber
    excludeFrom=defaultTC
    requireExplicit=true
    paymentConfigurationId=default
    compatibleMode=false
    display=false

Refund business policies for order processing (policy type = ReturnPayment)

Policy ID Business policy name Short description Long description Properties*
-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 and provides the information to Payment Rules . This is not a policy created specifically for Payment Rules .
-2000 Credit Line of Credit Line of 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 and provides the information to Payment Rules .

*For descriptions of the properties, see the related reference topic on defined payment business policy properties.

Related concepts

Related tasks

Related reference