Credit Card Processing

The Credit Card Processing system from J&B Software automates the processing of payments made by credit and/or debit cards. It is used for transactions in which the customer has either supplied credit card information prior to billing or returns the voucher complete with credit card information instead of a check. In either instance, the voucher is then run through an industry-standard document processor the same way as in a normal remittance transaction.

After images are captured and the scan line data is read, information requiring verification can be entered manually from the image by data entry operators or optionally using ICR (Intelligent Character Recognition) technology, which automatically reads hand or machine printed information. This data is used to electronically verify and validate the charge through the credit card issuer.

Payments rejected by the verification process are corrected with image assistance, reviewed and re-sent for verification. Items that fail the second verification pass are marked as declined in the database. Notices can be automatically printed, e-mailed or faxed for such payments.