Out-of-the-box integration for credit card payments in S/4HANA

[former_member528406]

This blog describes how SAP digital payments add-on can simplify the connection between business applications in S/4HANA and payment service providers

Enterprises doing business globally via various selling channels and with changing business models (i.e. B2C, B2B, online shops, POS) need to offer digital payment methods such as credit card or real-time payments like PayPal to their customers. To do so, SAP customers (especially in ECC) used to build and maintain point-to-point connections from their SAP software systems to their Payment Service Providers (PSP) – clearly a complex and maintenance intensive process for their IT department. A change of service provider or introduction of a new payment method was usually only possible via another cost intensive implementation project. Not to mention the risk of data loss if critical credit card data is stored in the ERP and the high costs for PCI DSS* certification resulting from this.

SAP therefore provides a new integration platform running in the SAP Cloud Platform (public cloud), enabling out-of-the-box and standardized connections between various business applications and the PSPs:

 

SAP digital payments add-on is the alternative to complex customer-specific implementations with built-in integration to various SAP / non SAP products and components:

• Out-of-the-box integration into various SAP and non-SAP order/sale-to-cash processes
  (B2B, B2C, online shops, etc.)**


• Offers flexibility and access to multiple digital payment methods while automating cash reconciliation


• Reduces audit costs and supports secure incoming payment card & other real time payment transactions using tokenization - no sensitive data is stored in the ERP


• Compliant according to the Payment Card Industry Data Security Standard (PCI DSS)


• Stable and harmonized interfaces for all SAP and also non-SAP solutions


• Operation, maintenance, and support of connectivity centrally managed by SAP (SaaS) - no need for customers to operate SAP Cloud Platform individually

Source: SAP

As part of the official SAP roadmap, new payment service providers are planned in the upcoming releases. Using a self-enablement approach, partners are welcome to integrate to SAP's platform via partner API and offering their services to all SAP customers. More PSPs are currently finalizing their integration and certification and thus will become available to all SAP customers soon.
Your PSP of choice is not yet listed? Please approach SAP and we will do our best and work together with our customers to make it happen!

More information on available Payment Services Providers, functions and features:

• S/4HANA Integration with SAP Digital Payments add-on


• Product Video 


• SAP Help Documentation for configuration and solution scope

Partner News:

• Partner Webinar hosted by Fiserv


• Fiserv press release


• Paymetric press release

*Payment Card Industry Data Security Standard
** Integration to other SAP solutions (e.g. SAP ECC) or non-SAP solution possible on project base

[Martin_von_der_]

Hello Karen

Cybersource can be used also from the United States. There are US customers using Cybersource with SAP digital payments productively. Please contact Cybersource directly for details.

Kind regards, Martin

[Magnius]

Hi Karen,

We have made almost exactly what you need. The basis is our PSP agnostic connection to SAP Digital Payments Add-On. We currently service the EU market, but we expect to go live in US as well. We can connect Chase if you want. Let me know if you would like to discuss it with me.

Regards

Lennart
Magnius

[VonAspen]

Any answers to this question?

[Martin_von_der_]

Hello Ray

The merchant-initiated collection of open receivables/down payment request is supported in S/4HANA .

The process is different than the bank collection process (e.g. SEPA Direct Debit).

For credit card collections a payment card has to be stored at the customer master. An report that is normally scheduled periodically is selecting the due open receivables  of the corresponding customers and request a payment card authorization.The payment run (also scheduled periodically) is used to create the corresponding posting.

The following process steps are identical to all Payment Card payment scenarios (Capture via Settlement Run and Digital Advice).

Kind regards, Martin

 

Please refer to: SAP Help:

• https://help.sap.com/docs/SAP_S4HANA_CLOUD/918bca53037f408f91a2295d04ac16bc/c07238a422674a0486a415dd...


• https://help.sap.com/docs/SAP_S4HANA_CLOUD/918bca53037f408f91a2295d04ac16bc/49d85b10fbc1405da6b36734...


• https://help.sap.com/docs/SAP_S4HANA_CLOUD/918bca53037f408f91a2295d04ac16bc/26980ac1a4b8443eb2c23fdd...

 

[Chris_Schutz]

Hi ,

Good information . Thank you .

Can we integrate with ECC 6.0 ? is that still a special project with SAP or more out-of-the-box integration ?

Any documentation / URL will be welcome .

Regard's

Christophe 

[Martin_von_der_]

Hello Christophe 

SAP will not provide an "out-of-the-box" integration of SAP ECC with SAP digital payments. Customers can integrate their system in a customer project. SAP can provide some Pilot Notes which reduces the effort for such an integration. To get access the customer need to request these pilot notes via an SAP OSS ticket on component FIN-FSCM-DP-DP. 

Kind regards, Martin   

[Subham]

Hi Nicole / Martin,

We are going to integrate SAP DPA into our S4HANA system. Currently, we have our own payment gateway APIs to tokenize and authorize the payment card.

Is it possible to integrate our gateway APIs with SAP DPA ?

Thanks

[Martin_von_der_]

Hello Sunham 

Yes this is possible to become a partner and provide an integration.
I sent a message with the responsible contact. 

Kind regards, Martin 

[Subham]

Hello Martin,

We have sent an email that outlines our requirements.

Thanks for the support. We're waiting for a response from the responsible contact.