Personify360 gives customers the option of saving information about credit cards to be used on future orders. Customers can save information about multiple credit cards. When the customer is interacting with orders from the web, having a saved credit card enables faster transactions.
Because of security requirements mandated by credit card companies, a customer’s credit card number is not stored in the system. Rather, a token that references the credit card processor to the customer’s real credit card number is stored. Tokens are meaningless numbers that minimize exposing sensitive information. Each time that card is used (e.g. to pay an order, for a scheduled payment, or when details are updated), the processor send a new token. For example, a staff user updates the expiration date on a card. The new expiration date triggers a new token from the processor. This new token is stored for the CC in a customer credit card table. Some tokens that are not “refreshed” in this manner expire after 1 year, unless the re-tokenization batch process is run.
PayPal and Vantiv tokens expire after one year; CyberSource tokens do not expire.
Personify can collect and store more than one “Credit Card of Record”, which will now be simply referred to as “Saved Credit Cards”. From this screen in CRM360®, you can view a constituent’s credit cards.
When the Credit Card selected in the data grid is using a Vantiv authorization response, the following information will appear at the bottom:
· Cardholder Type: identifies whether the card holder is an unknown consumer, consumer, or commercial entity.
· Prepaid Card: identifies whether the card used for the payment is a prepaid card.
· Country of Origin: identifies the issuing country of the credit card.
· Affluence Level: identifies whether the cardholder is considered high income (Mass Affluent) or high-income/high-spending (Affluent)
From this screen, you can perform the following actions specific to a constituent’s credit cards:
Add a new credit card
Delete an existing card
Update an existing card
View receipts linked to a credit card
View orders linked to a credit card