### Setting Transactions Approval and Processing Mode

The settings made for credit cards affect credit cards only. Bank transfers are processed manually or in accordance with the special settings, but without the direct connection with bank, so the batch processing is not subject to online payments processing.

You can set the mode of online payments processing in the Commerce Director - Online Payments - Setup:

- Payment processing and subscription creation are performed automatically. The least secure setting. All online Orders will be both charged and processed automatically and placed in the Processed Documents list in the Commerce Director - Online Payments - Documents.;
- Payment processing and subscription creation require manual approval. The most secure option. If this checkbox marked, and a customer uses a credit card at your HSPstore to pay for services ordered, the new credit card properties are always being saved (without respect to the 'Credit Card Processing' setting) and the appropriate Order will be always placed into the 'For Approval' list. Thus, you can view the new Orders that were intended to be paid using new credit cards and examine the new credit cards properties. This allows you to keep the non-trusted users out of Parallels Business Automation - Standard and prevent the fraudulent transactions.
- Payment processing occurs automatically, but subscription creation requires manual approval. In this case, the needed sum will be automatically withdrawn from customer credit cards, but all new Orders will be placed in Documents for Approval list, and your staff member will need to approve Orders manually to provide services to a customer;

  Note: The manual approval both for credit card and Order processing option cannot be enabled unless online-payment Plug-in supports automatic payments ('Automatic payments supported' is ticked on a plug-in details view screen). Automatic payment feature is a Plug-in feature and it cannot be enabled or disabled using Parallels Business Automation - Standard web interface. On the other hand, if this option is enabled, it is impossible to select a payment Plug-in that does not support pending payments.

- Enable or disable the automated funds capture for transactions performed. You can enable or disable this feature separately for new orders and both for renewal and upgrade orders - to enable automated funds capture, check the relevant boxes. Disabling the automated funds capture allows performing some additional credit card verification procedures prior to funds capture. In this case, pre-authorizing of a transaction will be performed and you will have to post-authorize the transaction manually from the payment gateway interface. This might be useful to avoid chargebacks if you have too much fraud on your site.
- Select the CVC code storage policy. The CVC code is a three- or four-digit code, which provides a cryptographical check of the information embossed on the card. The CVC code is not part of the card number itself. The CVC code helps ascertain that the customer placing the order actually possesses the credit/debit card and that the card account is legitimate. To select the CVC, set the option button to one of the following:
  - Do not save the Credit Card validation code (CVV). You can check this box if you do not to save the CVV codes together with the other credit card data.
  - Save the Credit Card validation code (CVV) for future transactions. You can check this box to save the CVV codes together with the other credit card data.

    Note: If you enable the CVV saving it will be necessary for you to enter the CVV code when saving a credit card in HSP complete database (the CVV Code field will appear in the New Credit Card form both on Control Center and in online store).

  - Keep the Credit Card validation code (CVC) till first successful transaction. Set the option button to this if you want the CVC code to be saved only till a successful payment is performed by a credit card. For example, if you add a credit card manually and do not pay with this card right away, the CVC code will be stored till the first successful payment.

In This Section Suspending Transactions to Perform Additional Check

Please send us your feedback on this help page