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Frequently Asked Questions (FAQ)
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How Cards Work
Using Adflex
A banking institute partnering with the Payment Service Provider to enable infrastructure needed to send/receive and collect card payments. The Acquirer is also responsible for crediting "Supplier/Merchants" bank accounts against monies due.
Authorisation confirms that the card number is valid and that the funds were available at the time the transaction took place. It is not a guarantee of payment.
B2B - Business-to-Business
Term used to describe trading activities between businesses. See also C2B
B2C - Business-to-Consumer
Term used to describe trading activities between businesses and consumers. See also B2B
The cardholder requesting the "Supplier/Merchant" to take card payments
Cardholder Not Present
This refers to card transactions that are requested by mail, telephone or over the Internet when the cardholder is not present at the point of sale.
Enhanced Data
Additional data that flows with the transaction back to the buyer. See also Level 3 Data
Level 2 Data
Level 2 data simply refers to the electronic summary invoice data associated with a purchasing card transaction. Standard credit/debit cards are referred to as Level 1.
Level 3 Data
Level 3 data simply refers to the electronic invoice data associated with a purchasing card transaction. Standard credit/debit cards are referred to as Level 1.
A services or goods provider to the "Buyer" whom will take card as a method of payment using the tools provided by the "EPOS provider" and "Acquiring Bank".
Merchant Number (MID)
Your acquiring bank account code
Payment Service Provider
A company which provides the "Supplier/Merchant" with the tools needed to take card payments either via a physical terminal, web based portal or file based interchange. For example Adflex is a Payment Service Provider
Purchasing Card
A purchasing card (also abbreviated to pcard or Procurement Card) is a form of company charge card that allows goods and services to be procured without utilising a traditional purchasing process.
Primary Account Number. A numerical code consisting of 14 or 19 digits both embossed on a payment card. It identifies the Issuer of the card, the card holders account number, and a check digit (Luhn) for authentication.
The Payment Card Industry Data Security Standard (PCI DSS) is a proprietary information security standard for organizations that handle branded credit cards from the major card schemes including Visa, MasterCard, American Express, Discover, and JCB.
This is typically an end of day process that settles authorisations from the day
See Merchant
XML is the Extensible Markup Language, a system for defining specialized markup languages that are used to transmit formatted data. XML is conceptually related to HTML, but XML is not itself a markup language. Rather it's a metalanguage, a language used to create other specialized languages.
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