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Author's profile photo Nicole Baranov

Out-of-the-box integration for credit card payments in S/4HANA

This blog describes how SAP digital payments add-on can simplify the connection between business applications in S/4HANA and payment service providers

Enterprises doing business globally via various selling channels and with changing business models (i.e. B2C, B2B, online shops, POS) need to offer digital payment methods such as credit card or real-time payments like PayPal to their customers. To do so, SAP customers (especially in ECC) used to build and maintain point-to-point connections from their SAP software systems to their Payment Service Providers (PSP) – clearly a complex and maintenance intensive process for their IT department. A change of service provider or introduction of a new payment method was usually only possible via another cost intensive implementation project. Not to mention the risk of data loss if critical credit card data is stored in the ERP and the high costs for PCI DSS* certification resulting from this.

SAP therefore provides a new integration platform running in the SAP Cloud Platform (public cloud), enabling out-of-the-box and standardized connections between various business applications and the PSPs:

 

SAP digital payments add-on is the alternative to complex customer-specific implementations with built-in integration to various SAP / non SAP products and components:

  • Out-of-the-box integration into various SAP and non-SAP order/sale-to-cash processes
    (B2B, B2C, online shops, etc.)**
  • Offers flexibility and access to multiple digital payment methods while automating cash reconciliation
  • Reduces audit costs and supports secure incoming payment card & other real time payment transactions using tokenization – no sensitive data is stored in the ERP
  • Compliant according to the Payment Card Industry Data Security Standard (PCI DSS)
  • Stable and harmonized interfaces for all SAP and also non-SAP solutions
  • Operation, maintenance, and support of connectivity centrally managed by SAP (SaaS) – no need for customers to operate SAP Cloud Platform individually

Source%3A%20SAP

Source: SAP

As part of the official SAP roadmap, new payment service providers are planned in the upcoming releases. Using a self-enablement approach, partners are welcome to integrate to SAP’s platform via partner API and offering their services to all SAP customers. More PSPs are currently finalizing their integration and certification and thus will become available to all SAP customers soon.
Your PSP of choice is not yet listed? Please approach SAP and we will do our best and work together with our customers to make it happen!

More information on available Payment Services Providers, functions and features:

Partner News:

*Payment Card Industry Data Security Standard
** Integration to other SAP solutions (e.g. SAP ECC) or non-SAP solution possible on project base

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      39 Comments
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      Author's profile photo Charlie Archer
      Charlie Archer

      Do you have to buy the Cloud solution or is this also available with S/4 on premise?

      Author's profile photo Nicole Baranov
      Nicole Baranov
      Blog Post Author

      Hi Charlie

       

      SAP DPAO can also integrate with S/4HANA on premise, but the functionality is only provided as part of the public cloud solution. In order to make use of it, customers will need to subscribe and as part of this, they can consume all services delivered (including upgrade, maintenance, operations, etc.) and integrate them into the various consumer applications such as Business Partner, Accounting or online shops. Implementation is done easily by simply connecting to the cloud service without huge implementation effort on the customer side. I hope this answers your question (sorry for the late reply, your Q unfortunately got missed during summer break...)#

      Best regards Nicole

      Author's profile photo Volker Mutschler
      Volker Mutschler

      Hi Nicole,

      is Adyen on the list as future partner for this solution as well, or no plans known, yet?

      Do you know if any of the available partners is offering an integration into Adyen as alternative to a native/direct integration?

      Thanks for your feedback,

      Volker

      Author's profile photo Nicole Baranov
      Nicole Baranov
      Blog Post Author

      Hi Volker,

      Indeed, Adyen is another partner we are currently in contact with and based on various customer requests, they are also now exploring a potential integration with our payment platform. If your company / your customer is already in contact with Adyen, you can surely let them know that SAP and Adyen can nicely work together in this case - sometimes there are different contacts involved, but I am happy to make the connection with our partner manager and our Adyen contact if needed.

      Best regards Nicole

      Author's profile photo Srinivas Reddy Malkannagari
      Srinivas Reddy Malkannagari

      Hi Nicole,

       

      Is this functionality able to Integrate to a Physical terminal(EFTPOS) ? We have a requirement for our customer who will implement SAP BRIM (On premise) to integrate with physical terminals for payment. Helpful if you can provide any direction to achieve this. Thanks

       

      Regards

      Srinivas

      Author's profile photo Nicole Baranov
      Nicole Baranov
      Blog Post Author

      Hello Srinivas

      in general, SAP DP is ready to process Terminal Payments. Limiting factor however is the Payment Service Provider integration for the terminal solutions. SAP S/4HANA and SAP digital payments should be ready, if PSP fulfill the following requirements:

      • Payment Service Providers / Products for Terminal Payments need to integrate, e.g. Telecash by First Data or Ingenico
      • Payment Service Provider needs to provide the preparation interface
      • Payment Service Provider needs to provide the Payment Transactions as Digital Advice

      To conclude, it mainly depends on the PSP the customer plans to use if DP can support or not. You can contact me directly via Email with the details of the chosen PSP of your customer so that we can check in more details.

      Best regards Nicole

      Author's profile photo Eli Pairoux
      Eli Pairoux

      Hi Nicole

      For an embarking BRIM project for at my customer we also aim to have a new PSP. Is there an updated list of the PSP's which are fully integrated with the Digital payment add on and have a stable history? This would help us to decide on the PSP.

      Secondly I don't find a lot of implementation guidelines in regards to the trigger in the Convergent Invoicing back-end towards the PSP. In our project the business requires a daily mass-payment request to the PSP after consumption is billable/billed for a variable amount where the customer provided a one-time consent/authorization on his credit card or bank account. It's a kind of SEPA DD with an FPY1 payment run but send to the PSP instead of the bank.

      Thanks in advance.

      Kind regards,
      Eli

      Author's profile photo Martin von der Emde
      Martin von der Emde

      Hello Eli

      concerning PSPs available:

      • Cybersource
      • Paymetric
      • PayPal
      • SnapPay (from FiServ / FirstData)
      • Stripe

      PSPs in final certification phase (available in the next days/weeks)

      • PayFabric (from EVO Payments / Delego)
      • SmartPay (from Barclaycard) ->

      PSPs in implementation phase

      • Ingenico
      • Worldpay
      • ...

       

      Concerning your second point: S/4HANA Convergent Invoicing  / Contract Account is out-of-the-box integrated with SAP digital payments. The required processing is supported for Credit Cards payments. Please refer also to SAP help:

      https://help.sap.com/viewer/2aa57d10a4614be0a2456978a8f295e7/2020.000/en-US/2ae5161d164341ffa3d197795237fca4.html

      Kind regards, Martin

       

       

       

       

       

       

      Author's profile photo Alex urieli
      Alex urieli

      Hello Martin,

       

      When can I see the updated  list of the PSP's which are fully integrated with the Digital payment add on?

       

      Thanks

      Author's profile photo Martin von der Emde
      Martin von der Emde

      Hello Alex

      Please check the diagram above (top).

      Nicole has updated the list.

      Kind regards, Martin

       

       

      Author's profile photo Eli Pairoux
      Eli Pairoux

      Hi,

      So out-of-the box means: there are no extra license costs or transactional fees to be paid for this add-on/functionality? Both for the integrated scenario using S4/HANA Convergent invoicing as for the non-SAP solution (customer mobile app/webshop) using an API?

      Thanks in advance.

      Kind regards,
      Eli

      Author's profile photo Martin von der Emde
      Martin von der Emde

      Hello Eli

      The SAP digital payment add-on is a Software-as-a-Service offering. The pricing of this service is transaction based. A transactions are for example the registration of a new Payment Card or an executed payment. In a process chain with different steps (Payment Authorization in an online shop for an existing card, Reauthorization in Billing, Capture and Reconciliation in S/4HANA), only one transaction will be counted.

      Out-of-the-box means that the SAP digital payments add-on provides the secure, SAP managed integration between these SAP solutions and the Payment Service Providers without any development and integration effort by the customer.

      Other SAP or non-SAP solutions can be integrated with SAP digital payments via an API.

      The transaction-fees for Out-of-the-Box or project bases integrations are the same.

      Kind regards, Martin

      Author's profile photo Rehan Gupta
      Rehan Gupta

      How do I integrate my S4 HANA on-premise solution with a PSP without using this add on?

      Author's profile photo Martin von der Emde
      Martin von der Emde

      Hello Gupta

      Customers can integrate their S/4HANA on premise system in a customer project with Payment Service Providers using the interfaces in the Payment Card configuration. Please check also for "Payment Card Interface to Clearing Houses" in SAP help.

      Kind regards,

      Martin

      Author's profile photo Salim Assadiki
      Salim Assadiki

      Hello Nicole,

      hello Martin,

      Thank you very much for sharing this blog.

      My current customer plan to use the PSP PayU for the integration of credit card payments.
      Do you know already If SAP DP will support it ?

      Secondly I would appreciate if you can give more details how payments will be reconciled with bank statements ?  Is it through Payment Advice ? How about the granularity of the data ?

      Thank you very much for your help.

      Salim

      Author's profile photo Martin von der Emde
      Martin von der Emde

      Hello Salim

      For the integration via SAP digital payments, the Payment Service Providers are SAP Partners and integrate to SAP. PayU is currently not integrated. We are interested to extent the network and our  Partner Management will support.

      The reconciliation process using the digital advice is described in the SAP help of S/4HANA (e.g. S/4HANA Cloud:  Receivables Management --> Digital Payment Processes in Accounts Receivables).

      I think it would be helpful to setup a meeting to discuss these topics and further activities in more detail.

      Kind regards,

      Martin

       

       

       

       

      Author's profile photo Sagar Surve
      Sagar Surve

      Hello Nicole,

      Referring to the picture in your blog that shows the available PSPs, could you please confirm if the addon integrates with PSP called checkout.com? We are implementing Bydesign for a customer based in the UK and they are looking to use checkout.com as the PSP.

      Thanks,

      Sagar

      Author's profile photo Martin von der Emde
      Martin von der Emde

      Hello Sagar

      Currently the payment service provider "checkout.com" is not yet integrated with SAP digital payments add-on.

      In such a case our Partner Management is interested to support. It would be helpful, if further information could be provided (e.g. the customer and the contact at the PSP).

      Kind regards, Martin

      Author's profile photo Sagar Surve
      Sagar Surve

      Hello Martin,

      Thanks for your response. The customer is flexible to go with available PSPs.Could you please advise the best channel for communication and speed up the further steps that will help getting the customer onboard with the Digital payment addon feature.

      P.S : Karolina Brazauskaite from Clarivos, has reached out to you on Linkedin.

      Thanks,

      Sagar

       

      Author's profile photo Gerald Heisig
      Gerald Heisig

      Hi Sagar,

      let me answer your question how the customer gets SAP digital payments add-on.

      The SAP digital payment add-on is a Software-as-a-Service offering running on SAP BTP (fka SAP Cloud Platform or SCP). It has a dedicated material number with a transaction-based pricing.

      The customer needs to purchase it. To do so, they need to contact their SAP account manager.

      Best regards
      Gerald

       

       

      Author's profile photo Ami Burns
      Ami Burns

      Hello,

      I have various customers on SAP Business ByDesign who are interested in this new integration add-on.

      • What is the cost to use Digital Payments Add-On?
      • A lot of this blog post and the Digital Payments add-on page shows information centered around S4/HANA and others - is this truly enabled to integrate with SAP Business ByDesign now?
      • Most of my customers do not have SAP Cloud Platform or BTP - these are fairly new concepts to them. My understanding is that they would first need access to BTP, purchase at minimum a base package for Digital Payments Add-On in order to use - is that correct?
      Author's profile photo Gerald Heisig
      Gerald Heisig

      Hi Ami,

      The SAP digital payment add-on is a Software-as-a-Service offering running on SAP BTP (fka SAP Cloud Platform). There is no need for the customer to purchase BTP separately. With SAP digital payments add-on, they will get a Global Account to access BTP.

      The pricing of this service is transaction based. Transactions are for example the registration of a new Payment Card or an executed payment. In a process chain with different steps (Payment Authorization in an online shop for an existing card, Reauthorization in Billing, Capture in ByD), only one transaction will be counted. For details about the pricing, please contact your SAP Contact (e.g. SAP Account Manager).

      Yes, with SAP Business ByDesign is integrated with SAP digital payments add-on with ByD release 2108: https://blogs.sap.com/2021/08/08/sap-business-bydesign-whats-new-21.08/

      However, in ByD it is available in a so-called 'controlled availability'. I recommend to get in touch with your SAP Contact for further details, too.

      Best regards
      Gerald

       

      Author's profile photo Rajasegaran Bhuvaneswari
      Rajasegaran Bhuvaneswari

      Hi Martin / Nicole,

       

      I have subscribed the services in BTP and activated the PSP provider.I have created a Instance Key in BTP. Secret ID and Secret Key with URL has been maintained in S4 HANA on premise through RFC. But still we are getting the error. If you provide your contact number or Mail ID. I can send detailed email on this topic.

      Author's profile photo Martin von der Emde
      Martin von der Emde

      Hello Rajasegaran

      Please open an Incident on component FIN-FSCM-DP-DP for this problem.

      Kind regards, Martin

      Author's profile photo Martin von der Emde
      Martin von der Emde

      Hi Rajasegaran

      I found that an incident is already opened. We will continue in the incident.

      Kind regards, Martin

       

      Author's profile photo Rajasegaran Bhuvaneswari
      Rajasegaran Bhuvaneswari

      Hi Martin,

      Yes, you are right. Can you or someone from your team possible to get into call. I will show you what is the exact issue.

      Thanks and Regards,

      Rajasegaran

      Author's profile photo Rajasegaran Bhuvaneswari
      Rajasegaran Bhuvaneswari

      Hi Martin,Thanks for your valuable inputs. It helped us a lot.

      Regards,

      Raja

      Author's profile photo Tom Roy
      Tom Roy

      Hi Digital Payments Team,

      We are in the process of scoping out a S/4Hana implementation. We have the need for a credit card integration solution and are looking at Digital Payments with our existing PSP (on PSP list!).

      We use credit card authorizations in Sales but our biggest use case is customer payments in FI-AR for open customer line items with terms which have become overdue and AR team are chasing payment.

      Can the authorization/settlement of these items be made using standard S/4 functionality with Digital Payments or is it necessary to include an additional licence for Customer Payments (1S0)?

      Not clear to me if Customer Payments is essential or simply nice to have.

      Regards

      Author's profile photo Marie Kretz
      Marie Kretz

      Several customers are using the Cloud for Customer Payment solution for the payment of open receivables.  The SAP Cloud for Customer Payments is a separately licensed product.

      Author's profile photo Tom Roy
      Tom Roy

      Thanks for the reply Marie, is SAP Cloud for Customer Payments essential to pay open receivables by credit card or can other standard functionality be used (Authorize/Settlement)? I am trying to determine if we need to have both Digital Payments and Customers Payments or if Digital Payments can be used on it's own with standard S/4HANA.

      Regards.

      Author's profile photo Ray Buttigieg
      Ray Buttigieg

      Integration with Automatic Payment Processing for FI-AR in S/4HANA for direct debit arrangements via Credit Card.

      ​It is common for customers to agree to pay their regular invoices via a direct debit agreement from a bank account stored on their business partner account using the Automatic Payment Process (previously transaction F110 in ECC) in S/4HANA.  This process generates a payment medium file that is then sent to the banking partner to collect the amount owing.

      Presumably, by using a payment method for credit card collections, or by some other means, the Automatic Payment Processing process can integrate with Digital Payments add-on to generate the direct debit instructions to settle payments from the customer's nominated credit card?

      Can you confirm in this business process is covered?

      Thank you,

      Ray Buttigieg

       

      Author's profile photo Adriel Negrete
      Adriel Negrete

      Hi Nicole,

       

      Do we have an updated list Payment Service Providers/Gateways?

       

      Best regards,

      Adriel Negrete

      Author's profile photo Nicole Baranov
      Nicole Baranov
      Blog Post Author

      Hi Adriel,

       

      Sure, the list on SAP Help is always up-to-date, please have a look here under PSP Scopes

      https://help.sap.com/docs/DIGITALPAYMENTS/62bf12232b35472b90d531f867ffacd1/aecbbf5772a44f7faa9a96bcfaf7d6b9.html

       

      Best regards, Nicole

      Author's profile photo Brandon Moncrieff
      Brandon Moncrieff

      Hi Nicole / Martin,

      I work with Elavon, a PSP subsidiary of US Bank. I'm interested in learning more about the digital payments add on, specifically what some of the win / win levers are for Merchants / PSPs, its different use cases, the integration process, and steps to be taken to get more information. Could either of you please advise?

      Thank you,

      Brandon Moncrieff

      brandon.moncrieff@elavon.com

      Author's profile photo Nicole Baranov
      Nicole Baranov
      Blog Post Author

      Dear Brandon,

       

      thank you so much for your interest, I will contact you directly via email and connect you with our global partner manager for more details. Best regards Nicole

      Author's profile photo Daichi Wakamatsu
      Daichi Wakamatsu

      Hi Nicole

       

      Thank you for sharing great information here! Several my clients, they are using SAP Business ByDesign are interested to use this function but they don't have BTP...

      I would like to know 2 things below.

      - How can I process SAP DP without BTP?

      - Can we test SAP DP first in test tenant?

       

      Best Regards,

      Daichi W

      Author's profile photo Nicole Baranov
      Nicole Baranov
      Blog Post Author

      Hello Daichi

      The SAP digital payment add-on is a Software-as-a-Service offering running on SAP BTP (fka SAP Cloud Platform). There is no need for the customer to purchase BTP separately. With SAP digital payments add-on, they will get a Global Account to access BTP.

      SAP Business ByDesign is integrated with SAP digital payments add-on with ByD release 2108: https://blogs.sap.com/2021/08/08/sap-business-bydesign-whats-new-21.08/

      However, in ByD it is available in a so-called 'controlled availability'. I recommend to get in touch with your SAP Contact for ByD for further details.

      We have testing options available for partners as well as customer, your account contact at SAP Zwillinge be able to support further.

      best Nicole

      Author's profile photo Daichi Wakamatsu
      Daichi Wakamatsu

      Hi

      Thank you for your reply!

      Can I ask again?

      1 : "they will get a Global Account to access BTP", this means that my client get a global account when they start subscription for SAP DP?

      2 :  'controlled availability', can you tell me this meaning? I've heard this for the first time sorry.

       

      Best,

      Daichi

       

      Author's profile photo Martin von der Emde
      Martin von der Emde

      Hello Daichi

      1.) Yes. When the customer subcripes SAP digital payments, he will get the necessary information concerning the Global Account and how to access it

      2.) SAP Business ByDesign / SAP digital payments is general available. The term "controlled availability" mean that for the time being the SAP Business ByDesign product team wants to know which customers are using this scenario.

      Kind regards, Martin