How do I block specific cards from being accepted?

Blocking Specific Cards from Being Accepted in Paytia

Card Blocking Overview

Paytia provides a licensed service enabling merchant administrators to define the card types and brands their business accepts. This functionality ensures businesses can restrict card usage for specific scenarios, such as avoiding consumer credit card debt for housing rentals or reducing higher processing charges from certain card brands like American Express (AMEX).

Use Cases

1. Restricting Credit Card Payments: A merchant may choose to restrict credit card usage for rent payments to prevent customers from incurring debt.
2. Reducing Processing Costs: Merchants can disable high-fee card brands, such as AMEX, to lower transaction expenses.

Features of the Manage Card Settings

The "Manage Card" license includes two key features:

1. Card Brand Control
   Administrators can enable or disable specific card brands (e.g., VISA, Mastercard, AMEX) using the Card Brand tab in the settings menu.

2. Card Type Settings
   Administrators can configure dropdown menus to control allowed card types (Credit only, Debit only, or Both) for specific payment contexts.

Setting Up Card Blocking

Step 1: Access Manage Card Settings

1. Navigate to Manage Payments from the main settings menu.
   
   

2. Select Manage Card to open the configuration page.

   • Card Brand Tab: Displays all supported card brands.
   • Card Type Settings Tab: Allows customization of card type rules for payment processing.
     
     

Step 2: Configure Card Brands

1. Under the Card Brand Tab, toggle the slider next to the card brand to deactivate acceptance.
2. Customers attempting to use deactivated cards will receive a notification, and the system will prompt them to try another card.
   
   

Step 3: Configure Card Types

1. Switch to the Card Type Settings Tab.

2. Name the dropdown field (e.g., "Payment for").

3. Add dropdown items (e.g., "Rent Payment," "Services").

4. Map each dropdown option to a card type acceptance rule:

   • CREDIT ONLY
   • DEBIT ONLY
   • CREDIT and DEBIT

5. Save your settings.
   
   

How it Works for Agents

When processing payments via the Agent Capture Assist (ACA):

1. The dropdown menu appears with the configured options.
2. The agent selects the appropriate payment context (e.g., "Rent Payment").
3. Paytia applies the defined card type acceptance rule.

Example:

• Rent Payments: Restricted to Debit only.
• Services: Allows both Debit and Credit cards.
  
  

BIN Table Validation

Paytia uses the first 6–8 digits of the card number (Bank Identification Number or BIN) to:

• Identify the card type and brand.
• Verify the card against the defined rules.
• Approve or reject the transaction based on the configured settings.

Benefits of Card Blocking

• Prevent customers from incurring unnecessary debt.
• Minimize transaction fees by excluding high-cost card brands.
• Ensure compliance with business-specific payment policies.

By leveraging Paytia's card blocking functionality, businesses can optimize payment processes while adhering to financial and ethical standards.