Membership Services-Real Time Credit Card Authorization

Membership Services - Real Time Credit Card Authorization

Real time credit card payment authorization is processed in the TIMX SCM Payment screen for all products.  The scenarios below provide examples of when the payment amount is charged immediately and when the charge is deferred (held) and the payment request is submitted for credit card validation and future scheduled payment charge(s).

Description of when payment is charged to credit card

1. Active Contracts = Payments are charged to credit card immediately (i.e. gap, monthly, previous credit card rejections, pending cancellation with red flag, transfer fee, etc.).

1. Inactive Contracts = Process to defer payment (hold credit card charge) until the contract becomes effective. Credit card validation is processed by charging $0 or $.01.

NOTE: this transaction will appear on the customer’s online credit card history, but will not print on their monthly credit card statement.

1. Re-Enrollment Active Contracts (upsell/downsell) = Process to defer payment to start on the next scheduled billing. Credit card validation is processed by charging $0 or $.01.
   

NOTE: this transaction will appear on the customer's online credit card history, but will not print on their monthly credit card statement.

TIMX SCM Payment Screen

 

Enter Payment Only vs. Update Payment
When to Use	Active Contracts (real time charge of amount)	Inactive Contracts and Re-Enrollment
Enter Payment Only	Sears Customer - adding Options and Additions Sears Client - payment is deferred until the warranty effective date when adding Options and Additions on an inactive account	Sears Client - adding Options and Additions Sears Client - payment is deferred until the warranty effective date when adding Options and Additions on an inactive account
Enter a Promotion – Early Cancellation Fee	Sears Customer – During the first year only - charging back the Sears Paid Call Amount on an active or inactive account	Sears Customer – During the first year only - charging back the Sears Paid Call Amount on an active or inactive account
Enter a Lesser of the Two Payment for Early Cancellation	When claims are paid by CHS and the Customer cancels prior to the end of contract term. The customer is responsible to pay remaining premium balance or the amount paid out in claims, which is less.	NA
Update Payment Plan/Billing Mechanism	NA	Future Renewal date Scenario: CHS has accepted payment on their current contract for the month, but the month has not completed. We will re-enroll and place their credit card information on the new account, but we will use “Update Payment” to prevent duplicate charge (prevents charging twice in one month).
View Payment Plan/Billing Mechanism	View ONLY current Billing, Payment Methods, and Payment Plan	View ONLY current Billing, Payment Methods, and Payment Plan

 

Credit Card Validation Pop-Up Message

The process for entering a payment has not changed. With the new real time payment authorization, the following pop-up messages will display when the credit is validated. Proceed with the required steps to complete the transaction.

Approved = the credit card number, expiration date and funds are available.

Update Billing/Billing Mechanism, Current Balance field will always reflect the contract balance. This field cannot be edited.  The credit card will charge based on the payment frequency (monthly, full, 1st- 3 month install). 

      

1. 3rd Party and DTC – charged on the effective date

1. HMS – charged immediately
   

 

Invalid Credit Card = The credit card number and/or expiration date is invalid, reconfirm the credit card number and expiration date.

   

Authorization Declined = The credit card does not have the required funds, stolen or lost.  Request an alternate card.

 

Zero Dollar Authorization = Process to defer payment (hold credit card charge) until the contract becomes effective or defer payment when setting up a downsell or upsell enrollment. The credit card validation is processed by charging $0 or $.01.

 

Scenario Scripts

Scenario	Script Examples
Zero Balance or $.01 Credit Card Authorization – Will show on the Customer’s Online Credit Card Account	“Mr. /Ms. ___________, please note as part of your credit card validation, you will notice an entry of zero balance or a one cent ($.01) charge on your online credit card account.  This one time validation will not appear on your monthly statement.  The charge of ($ monthly or annual premium amount) will appear on or after the warranty effective.”
Credit card is invalid	“Mr. /Ms. ___________, the credit is returning as invalid, can you please re-verify the credit card number and expiration date?” If second entry is unsuccessful request another credit card. “The credit card is not completing validation; do you have another credit you would like to provide?”
Credit card is denied	“Mr. /Ms. ___________, the credit is returning as denied, would you like me to re-enter to re-verify the credit card or do you have another credit you would like to provide?”

  

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