Credit Cards & Shared Credit Cards Overview

  • Updated
This article explains the difference between Credit Cards and Shared Credit Cards, when each is used, and how supplier configuration determines availability.

 

What is a Credit Card?

A Credit Card is a payment method where card details are securely transmitted directly to the supplier at the time of order.
 

Used When:

  • The supplier supports cXML order integration.
  • The supplier can process card details through system-to-system messaging.

Key Characteristics:

  • Card details are sent securely via integration.
  • Requires supplier to be PCI compliant.
  • Fully automated payment processing.
  • Not manually visible or reusable across transactions.

 

What is a Shared Credit Card?

A Shared Credit Card is a stored card managed within the system that can be reused across multiple transactions and users (based on permissions).

The Shared Credit Card feature allows buyers to use a pre-defined, community-managed shared credit card. Ensuring the credit card(s) are available on the Checkout, for buyers.

 

Used When:

  • The supplier does not support cXML credit card transmission.
  • The supplier has enabled Accept Credit Card, by selecting Yes within their profile.

Key Characteristics:

  • Centrally managed and reusable.
  • Controlled access (who can use it).
  • Used for manual or non-integrated supplier transactions.
  • Does not require cXML integration.

 

Payment Capability by Supplier Type

Payment options depend on the supplier type and the supplier profile configuration. Supplier profile setup fully controls payment availability.

Supplier Type Credit Card Shared Credit Card Supplier Action Community Action
LITE Supplier Not Allowed Not Allowed    
Registered Supplier Not Allowed Allowed

Supplier must mark Yes, to Accept Credit Card question within their profile.

By going to the Company Profile > Payments tab.

 Check the Shared Credit Card Enabled box, within the supplier's profile.
Catalog (Premium) Supplier - No cXML Integration Not Allowed Allowed

Supplier must mark Yes, to Accept Credit Card question within their profile. 

By going to the Company Profile > Payments tab.

 Check the Shared Credit Card Enabled box, within the supplier's profile.
Catalog (Premium) Supplier - cXML Integration Allowed Not Used Supplier must: 
• Accept card details via cXML 
• Be PCI compliant 
• Have credit card integration enabled		 Check the Integrated Credit Card Enabled box, within the supplier's profile.

 

Results/Validation

You are using the correct payment method when:

  • The appropriate option (Credit Card or Shared Credit Card) is visible at checkout
  • The payment method matches the supplier type

 

What's Next/Related