Testing Corporate Credit

This guide explains how to test Corporate Credit (CC) transactions in the CV environment using the Program API. Do not follow this procedure to test in Production.

Along with this guide you might want to read these:

• Corporate Credit — Explanation of what Corporate Credit is, with use cases.
• Creating Corporate Credit Accounts — Properties of CC accounts and how to set them up.
• Corporate Credit Transaction Examples — How various Corporate Credit transaction types look in the ledger.

In this scenario you will:

1. Create a CC funding account
2. Set a credit limit
3. Create one or more CC spending accounts
4. Simulate a card authorization and settlement
5. View the authorization/settlement as well as the funding transactions
6. Adjust the available credit

Remember that the CV environment runs on Galileo system time.

Set up the products

Work with Galileo to set up your CC funding and CC spending products in CV. Galileo recommends that you configure all of the settings that you intend to use in Production.

CC funding product

At minimum, the funding product should have these characteristics:

• Product otype 0
• Product category 32

CC spending product

At minimum, the spending product should have this characteristic:

• Product category 33

Create the accounts

Follow these steps to create a CC funding and a CC spending account.

Create the CC funding account

1. Call Create Account with these parameters:

2. In the response, capture the pmt_ref_no (PRN) for future use.

Activate the CC funding account

1. Check the status of the CC funding account by calling Verify Account with this parameter:

   • accountNo: PRN of the CC funding account

2. If the account_status is not N, activate the CC funding account by calling Modify Status with these parameters:

Set the credit limit on the funding account

To set the credit limit on the CC funding account, call Set Corporate Credit Limit with these parameters:

Create a CC spending account

1. Call Create Account with these parameters.

2. Capture the these values from the response:
   • pmt_ref_no
   • card_id (CAD)
   • Last four digits of card_number
   • expiry_date
   • card_security_code
3. As desired, create a second CC spending account, such as a card with a different CC spending account product ID.

Activate the spending card

1. After creating the CC spending card, call Activate Card with these parameters (See Card activation in Setting Up a Card Program for information about other activation options.):

2. To verify that the card has been activated, call Get Card with the PRN or CAD of the card for accountNo. Inside the embossed_cards object you should see status: N.

View account relationship

To see the relationship between the CC funding and CC spending accounts, call Get RTF Account Relationship with this parameter:

• accountNo: PRN of the CC funding account, which returns all of the spending accounts that are associated with it.

Alternatively, you can call the endpoint with a CC spending account PRN for accountNo to return the associated CC funding account.

Perform transactions

1. To simulate a simple card transaction in CV, call the Create Simulated Card Authorization endpoint with these parameters:

2. Capture the auth_id for future use.
3. Settle the transaction by calling the Create Simulated Card Settlement endpoint with these parameters:

View the CC transactions

To see the transactions that were created, call Get All Transaction History twice:

1. accountNo — PRN of the CC funding account
2. accountNo — PRN of the CC spending account

For the CC spending account you should see four transactions. The auth_id and source_id are example values only.

For the CC funding account, you should see one transaction.

Check the credit limit

For the funding account, call Get Corporate Credit Summary. This should be the result:

• available_credit: 990
• credit_limit: 1000

The cards can continue spending until the available_credit reaches 0. After that, all authorization requests are denied until one of these events happens:

• The credit limit is increased.
• Funds are added to the funding account, such as to pay some or all of the balance.

Pay off the balance

For the CC funding account, call Get Balance. This should be the result:

• balance: -10

That is the amount owed on the CC funding account. To pay it off, you can apply the funds to either the spending account or the funding account. If you apply funds to the spending account, they will be transferred into the funding account.

For this example, call Create Adjustment for the CC spending account with these parameters:

Alternatively, you can use Create Payment to apply the funds, using the same type.

Add funds to the funding account

You do not need to add funds to the funding account for the spending cards to have available funds—setting a credit limit is enough. However, you can add funds in excess of the balance owed, which increases the available amount to spend.

Call Create Adjustment for the CC funding account with these parameters:

Call Get Corporate Credit Summary for the funding account. This should be the result:

• available_credit: 1500
• credit_limit: 1000

The available credit is higher than the credit limit by 500.00. The spending cards now have a 1500.00 spending limit, without your needing to change the credit limit.

Alternatively, you can call Set Corporate Credit Limit to set the credit limit to 1500.00 or any other limit.

Simulate a Visa transaction

To simulate a Visa transaction instead of the Mastercard transaction shown above, pass association: visa. In the response to Get All Transaction History, the transaction codes will be:

• VIA — Authorization
• BVA — Backout
• VSA — Settlement

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Note

For other types of transactions, see the Simulating Card Transactions guide.