Is CCI of value even for companies that do not process many credit card orders?

It sure is. There is both high value in the savings that are available ($20-30 per order), as well as the benefit in reduction of liability, by complying with PCI-DSS. Proper, secure handling of your customers' credit card data makes for good customer experience. Also, for our customers who process low numbers of credit card orders, we have a special discount that we apply for low usage.

How do customers use credit cards for open invoices with CCI?

CCI includes both the single invoice payment and multi-invoice payment options. These are very helpful for the credit and collections department.

Here's an example. You may have a customer with past-due invoices who commits to paying for $10,000 in their next check run. The credit collections manager can then say, "Well, we know you have a company credit card so let's just take care of that $10,000 right now." Of course, the single invoice payment is self-explanatory. The multi-invoice payment allows for either:

1) Selection of a set of open invoices and payment for the total of that set, within the appropriate authorization amount or with a pre-authorized fixed amount.

2) With pre-authorization, you can select the invoices to be paid. If the total amount of their invoices is higher than the pre-authorization amount, the last invoice selected can be a partial payment.

What functions are fully automated by CCI?

Some of the functions that are automated by CCI are:

  • The authorization process itself.
  • The tracking of valid authorizations.
  • The tracking of authorizations that need to be renewed. Various reasons for renewal are of course possible. For example, expiration due to a delayed order, an increased order leading to need for a larger authorization, and a partial shipment leading to a need for reauthorization for the balance.
  • Reauthorization process.
  • The settlement process. Following the invoice post in QAD, CCI communicates with the authorization provider. CCI creates the settlement transaction for the transmission of the cash from the customer's account to the business' account.
  • When the settlement is confirmed the Accounts Receivable cash applications is also automated.

Can CCI be used on any QAD versions or platforms?

Yes. ProStar's Credit Card Integration works with all QAD versions, applications, and with every user interface. This includes: Standard Edition (SE; "netUI"), Enterprise Edition (EE; true .NET frames), and even character and GUI.

Why is CCI important for users of QAD Cloud?

QAD has a policy in the QAD Cloud environment (formerly known as QAD OnDemand) that no credit card information shall be stored on the QAD Cloud servers at any time, not even for a millisecond. Due to this requirement CCI is important to use, as it does the necessary integration of credit card payment processing with the card vault functionality provided by most authorization providers.

The process of the integration takes the original credit card data, encrypts it, and securely transmits it to the authorization providers' card vault, where it is securely stored. Then the card vault returns a token to CCI. CCI uses the token any time there is a need to communicate with the authorization provider about that customer's credit card. With CCI, you can meet the requirement for no storage of customer credit card data on the local QAD Cloud server, which is another reason why CCI is QAD's recommended solution for processing payment cards.