Additional Payment Information

Direct Debit

CMP Converged Monetisation Platform. The MDS Global product that supports customer care and billing for digital service providers. supports the BACS Bankers Automated Clearing Services. A system in the United Kingdom for making payments directly from one bank account into another. UK Direct Debit Scheme for the electronic processing of Direct Debits.

UK Direct Debit Scheme

BACS (Bankers Automated Clearing Services) is the company that runs the Direct Debit Scheme in the UK.

The BACS Direct Debit Scheme allows Service Providers to regularly collect recurring payments from their customer In the context of the Cloud Monetisation Platform, an individual or organisation who has signed an agreement to take goods and services from a service provider. A customer receives a bill associated with one or more subscriptions, and can be a single end user or a large company with many subscriptions assigned to one agreement. base.

The Service Provider The owner of the infrastructure in which accounts will be created. The Service Provider can host and operate the instance of CMP, or CMP can be provided as a Managed Service. and the end customer must agree the amount to be claimed and the date of collection. Once agreed, the agreed amount is automatically debited from the end customer’s bank account In the Cloud Monetisation Platform, a billing entity that can be used to manage payments on one or more subscriptions or payments for services. An account can hold details such as payments or invoices. and credited to the Service Provider’s bank account.

The BACS UK Direct Debit Scheme is made up of six extracts controlling how debits and credits are applied:

• AUDDIS Automated Direct Debit Instruction Service. A service that allows you to send Direct Debit Instructions to a customer's bank electronically. (Automated Direct Debit Instruction Service) extracts automates the lodgement of Direct Debit Instructions from the Service Provider (Originator) to the end customer’s (payer’s) bank electronically.
• ADDACS Automated Direct Debit Amendment and Cancellation Service. An electronic messaging service that allows banks to notify service users if changes are made to a customer's Direct Debit Instruction (DDI), for example a cancellation or an account transfer. (Automated Direct Debit Amendment and Cancellation Service) extracts contain details of any invalid Direct Debit Instructions for CMP to process.
• Direct Debit extract contains details of Direct Debit payments due for collection. Direct Debit extracts are transmitted to BACS to debit the required amount from the end customer.
• ARUDD Automated Return of Unpaid Direct Debits. The automated system used by the banks to return unpaid Direct Debit payments. (Automated Return of Unpaid Direct Debit) extracts contain details of payments that are unable to be processed by the banks. ARUDD extracts are sent from BACS to CMP for processing.
• ARUCS Automated Return of Unapplied Credits Service. A service related to the BACS payment system that allows the receiving bank to return the BACS Direct Credit automatically to the organisation via the BACS service and provide appropriate information (reason codes) as to why the payment was unapplied. (Automated Return of Unapplied Credits Service) extracts contain details of refunds which are unable to be processed by the banks. ARUCS extracts are sent to CMP for processing.
• AWACS (Advice of Wrong account for Automated Credits Service) extracts contain details of changes to Direct Debit details when the receiving bank has identified and corrected incorrectly provided details. AWACS extracts are sent to CMP processing.

For guides and rules for the Direct Debit Scheme, see the BACs website: https://www.bacs.co.uk/resources/direct-debit-and-bacs-direct-credit-guide-and-rules/.

Third Party Payment Handler

Service Providers can use a third party Of software; a reusable component developed to be either freely distributed or sold by an entity other than the original vendor of the development platform. Payment Handler to manage the transfer of BACS Direct Debit Scheme files from CMP to BACS and vice versa. This option is controlled at a CMP environment level.

Third party Payment Handlers also complete any file conversion before being processed by CMP or BACS.

Integration to third party payment handler is considered during individual customer implementation. Examples of third party payment handlers include Albany/Bottomline, Experian, and PaymentTech.

Third Party Card Payment Providers

Third party Payment Providers allow credit or debit card payments to be taken and stored in line with the Payment Card Industry Data Security Standards (PCI DSS Payment Card Industry Data Security Standard. An information security standard for organizations that process card payments, the PCI DSS enforces standards for the storage, transmission and processing of cardholder data, so that businesses can process payments securely, reduce fraud, and protect cardholder data.).

All recurring and one-off credit/debit card payments are taken outside of CMP with only a card reference token being stored against a customer’s account. The card reference token is used for future payment requests, minimising the CMP exposure to PCI-DSS compliance.

Examples of Payment Providers include DataCash and Verifone.

Datacash

DataCash’s Hosted Card Capture (HCC Hosted Card Capture. A service allows the capture of credit or debit card details to be performed on a webpage hosted by the credit card company, rather than on the creditor's own website. This means the responsibility for PCI DSS compliance lies with the credit card company, and not the creditor.) solution provides the functionality for a CMP user A person with the capability to log in to the CMP GUI software, such as a customer service advisor or agent. to enter card details directly into the DataCash system. DataCash returns a response code indicating success or failure of the request. Successful responses include a unique card reference token to be stored in CMP for use in future payment requests. DataCash is the MDS Global preferred Hosted Card Capture solution.

Recurring Payment Suspension

Customers with a recurring payment method can request to suspend payment for a period time if they are aware of a reason the payment will fail, such as. insufficient funds in bank account.

Users can edit the customer’s account selecting to Suspend From Payment specifying the From Date and To Date the suspension should be applied. Once the To Date is passed, any payments previously suspended will be attempted.

Unallocated account

When payments are processed via third parties, outside of CMP, it is possible the required CMP account cannot be identified. In this scenario, CMP will post the payment to the Unallocated account.

Business Operations is responsible for identifying the correct account to associate the unallocated payments with, and then moving the payments to that account.

Third Party Software

CMP has its own Sales Ledger to provide general ledger functionality. However, CMP can be integrated with third party financials software such as JD Edwards (Oracle). If this is the case, all bills and payments captured in the CMP Sales Ledger are duplicated to the third party software ledgers and updates to the system are managed as part of standard CMP functionality.