one-time payment cards / purchasing cards

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Ray Mannion

May 04, 2017 20:38

Hi,

 

An issue arose with our client for whom we've integrated through spreedly to payeezy.

 

It seems that many of their corporate customers use "p-cards" or "purchasing cards".

 

It seems that these are one-time cards. During our e-commerce process, the user enters the card for which there is an "authorization only". This seems to consume the "one-time".

 

When the actual payment is charged, the card is declined as it is already used.

 

We can re-engineer our application to do a 1 time checkout, but this is not really consistent with the user's expectations.

 

Do you have any suggestions?

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• Official comment

  

  Permanently deleted user May 04, 2017 21:16

  Hi Ray,

  
  Thanks for your question! I'm happy to help out here.

  Single-Use/DisposableCards ("p-cards") are virtual card numbers (VCCs) that are only valid for one use. These cards typically have tight controls associated with them to prevent fraudulent transactions, and the restrictions depend on the vendor that issues the card. Some vendors only allow a card to be used to buy at a particular store, some only allow pre-determined amounts to be charged to the card (i.e. - the transaction must equal $5.69 or else it will be declined), etc. 

  One longtime concern with VCCs is that they are hard-line one time use. If a merchant has a built-in process where a card is verified or authorized before charging, they are going to kill the VCC with that authorize or verify call accidentally.

  Due to this limitation, if you have a significant subset of your end users paying with VCC's, you will have to establish a separate transaction flow to accommodate their use of a VCC. 

  Unfortunately, I don't have any suggestions here that can preserve your existing checkout process for VCC's. Since this is an ongoing problem for many businesses, hopefully, more VCC vendors will take on the responsibility of solving this problem in the future.

  Best,

  Danae

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