Credit Card Settlements & Multiple Payment Gateways- Metra s Approach
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1 Credit Card Settlements & Multiple Payment Gateways- Metra s Approach August 16, 2013 (08:30 09:10 AM) PRESENTED BY Pavan K Vallabhaneni pvallabh@astcorporation.com Santhosh Kumar Kotrappa skotrappa@astcorporation.com Agenda Paper or Plastic? Why Credit Cards? Credit Card Integration Payment Models Reconciliation Metra Example Questions and Answers
2 AST Give Away Win a $25 Gift Card! Drop off your business card after today s presentation 2
3 Paper or Plastic? Paper Plastic 3
4 Paper or Plastic? Paper Plastic 4
5 Why Credit Cards? Convenient mode of payment Secure payment mode for merchants Fraud Protection Enhanced product warranties/insurance Short term loan Rewards 5
6 Credit Card Integration Pre integrated EBS Applications istore ireceivables Oracle Student System Order Management 6
7 Credit Card Integration Non EBS Sales Channels E-Commerce sites Retail Stores Vending Machines Mail Order 7
8 Credit Card Processing Authorization Verifies whether the customer's account is valid and sufficient funds are available to cover the transaction's cost. At this step, the funds are "held" and deducted from the customer's credit limit. Settlement The funds will be transferred from customer credit card bank account to the merchants bank account. 8
9 How it works 9
10 Payment Models Auth & Settle in EBS Auth External & Settle in EBS Auth & Settle External 10
11 Auth & Settle in EBS 11
12 Auth External & Settle in EBS 12
13 Auth External & Settle in EBS... 13
14 Funds Capture>Concurrent Programs Automatic Receipts Creation Automatic Remittances Creation Create Settlement Batches 14
15 Auth & Settle External 15
16 Auth & Settle External 16
17 Bank Reconciliation 17
18 Metra Overview Serves Chicago metropolitan area 241 Stations,11 Rail Lines 300k weekday rides 82.7 Million yearly rides ORPOS implementation Applications Implemented Accounts Receivables Order Management Advanced Pricing Inventory Cash Management Shipping Execution 18
19 Metra Overview 19
20 Metra Overview Sales Channels Oracle EBS Point of Sale Order Management Receivables Cash Management Ticket By Mail Ticket by Internet g Sales Order Prepayments Invoices Receipts Load Statement Ticket Vending Machines Auto Reconciliation Fare Media Fulfillment Remittances Group Sales 20
21 Metra Overview Sales Transactions POS 13,000 per day (5,000 are CC) TVM Cash 2,000 per day TVM Credit 1,300 per day TBI 250 per day Fare Media 43,000 per month TBM 12,000 per month Credit Card Transactions 6,500 per day Bank Reconciliation 11 bank accounts 3 for CC, one for each Metra, BNSF and UP 5 for Metra Cash & Checks 1 BNSF Cash & Checks 2 UP Cash & Checks TBM check reconciliation using Lockbox 21
22 Credit Card Sales Channels Point of Sale ACI ISD Vending Machine Oracle EBS Link2Gov Ticket by Internet Cyber Cyber source Bank 22
23 Point of Sale Agent sells tickets to passengers at counters The customer can pay by cash, checks or credit card Credit card transactions are settled through a processing vendor called ACI 23
24 Ticket Vending Machines More than fifty vending machines available at different stations The customer has the ability to use cash or credit cards Credit card transactions are settled through a payment processing vendor called Link2Gov 24
25 Ticket By Internet Customers order tickets online Customers use credit cards for their purchases Credit card transactions are settled through a payment processing vendor called Cyber source 25
26 Settlement File Processing TBI Read the settlement file using web service Take advantage of the standard Lockbox process Custom Program to populate the Lockbox tables Submit the standard Lockbox process/validation/post Quick Cash Create Remittance Batch for Automatic Reconciliation POS / TVM Download the settlement files Custom Program to process the file Use Receipt creation API Create Remittance Batch for Automatic Reconciliation 26
27 Processing Credit Cards 27
28 Questions and Open Discussions Contact Information Pavan K Vallabhaneni pvallabh@astcorporation.com Santhosh Kotrappa skotrappa@astcorporation.com For Presentation Copy Visit
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