Overview - Credit Card Payments by Installments

I. INTRODUCTION

In some countries when placing a large charge amount on a credit card, the card holder can also ask that the amount be spread out over several months. For example, a $750.00 rental can be set up so that the renter is charged $250.00/month for the next three months.

NOTE: CARS+ does not do the incremental invoicing, that is done by the bank that issued the credit card.

II. REQUIRED SET-UP STEPS

The following set up steps are required in order to do credit card installments:

A. EDIT SPECIAL DOCUMENTS

A Special Document must be set up to define the "rules" of credit card installments.

OPTION:___ EDIT SPECIAL DOCUMENTS

1 Location
2 Document code
3 Description
4 Note
5 Effective date
6 Termination date
7 Document type (FF, PROMO, BONUS, NEVER)
8 Promo/FF Type (%, $, P, D, H, U, G)
9 $ Amt, % or Miles
10 Max. Amount
11 Req Fri/Sat stay N (F=Fri, S=Sat, B=Both, E=Either)
12 Airline
13 Use FF Tax Flag 27 Max instalmts
14 Req Doc No 21 Req FOP 28 Min Amt
15 Doc No Low 22 Req FOP 29 Domestic only? N
16 Doc No High 23 Req FOP 30 Max Copies
17 Min Days 24 Req FOP 31 Couponless?
18 Max Days 25 Option Cd 32 CDPID
19 Free Option 26 Free Days 33 Program
20 Local Promo 34 Points multip
35 Currency

1SAVE 2NEXT 3ERASE 4 5BACKUP 6 7HELP 8NXT PAGE

Enter data as follows:

1. LOCATION

If credit card installments are restricted to a specific location, enter up to 6 alphanumeric characters to indicate the particular location or a Location Group Code. If the special document applies to all locations, leave this field blank.

EXAMPLE: Press (RET)

2. DOCUMENT CODE

Enter up to 6 alphanumeric characters to indicate this particular document.

EXAMPLE: Type CCINST (RET)

User tip for Hertz operations: Hertz PC (promo coupon) numbers are check-digited, and the 6th digit is the check digit. If the document code being entered is less than 6 digits, use leading zero(s) to have a full 6 digits. When entering the document number in the S subwindow of Reservations or RA Open, enter "PC" followed by the document number. Example: Special Document number 012345 must be entered in the S subwindow as PC012346.

3. DESCRIPTION

Enter up to 50 character description of this document. The Description entered here will display on the RA Open screen when this document is entered. As a result, you can also use this field to enter instructions.

EXAMPLE: Type CREDIT CARD INSTALLMENTS (RET)

4. NOTE

Enter up to 50 alphanumeric characters to indicate information about this particular document. When the document is added to a RA, this note will display.

EXAMPLE: Type STANDARD 2 NIGHT COUPON(RET)

5. EFFECTIVE DATE

Using your selected date format, enter the date of the first day this document is valid. The effective and termination dates refer to the pick up date of the reservation or RA.

For documents without a starting date, leave this field blank.

EXAMPLE: Type 010112 (RET)

6. TERMINATION DATE

Using your selected date format, enter the date of the last day this document is valid. The effective and termination dates refer to the pick up date of the reservation or RA. Although, if the document was valid at the time a reservation is created and was added to the res but has since been terminated before the RA's open date, the document will still be accepted by the RA Open program.

For documents without a termination date, leave this field blank.

EXAMPLE: Type 123117 (RET).

7. DOCUMENT TYPE

Enter the code "PROMO".

EXAMPLE: Type PROMO(RET).

8. PROMO/FF TYPE

This should be left blank.

9. $ AMT, % OR MILES
This should be left blank.

10. MAX AMT
This should be left blank.

11. REQ FRI/SAT STAY
This should be left blank.

12. AIRLINE
This should be left blank.

13. USE FF TAX FLAG
This should be left blank.

14. REQ DOC NO
This should be left blank.

15. DOC NO LOW
This should be left blank.

16. DOC NO HIGH
This should be left blank.

17. MIN DAYS
This should be left blank.

18. MAX DAYS
This should be left blank.

19. FREE OPTION
This should be left blank.

20. LOCAL PROMO
This should be left blank.

21. - 24.

REQ FOP

Enter into these fields the FOP Codes of the credit cards that will accept installment billing.

EXAMPLE: Type VISA (RET)

25. OPTION CODE This should be left blank.

26. FREE DAYS This should be left blank.

27. MAX INSTALMTS

An installment promotion is one where the renter may pay for the rental with credit card installment payments. To set up an installment type record, enter the maximum number of credit card installments that are allowed for paying the deposit or payment of the RA. This feature is only available when running CARS+ in "Brazil Mode" (see Company Type in Edit Main Control Record). Enter into fields 21-24 the FOP Codes of the payment types which this installments rule applies to.

EXAMPLE:Type 4(RET)

28. MIN AMT

This field is used with the above field for installment promotions. Enter the minimum installment payment. The total RA charges divided by the number of installments must be equal to or greater than this minimum amount. This feature is only available when running CARS+ in "Brazil Mode" (see Company Type in Edit Main Control Record). Enter into fields 21-24 the FOP Codes of the payment types which this installments rule applies to.

EXAMPLE: Type 100.00 (RET)

29. DOMESTIC ONLY?

Enter:

Y = Yes, the installment promotion is limited to domestically issued credit cards only. (Credit cards can be defined with the country of issue in the Edit Credit Card Definitions File.)

N = No, the installment promotion applies to credit cards without regard to the country of issue.

EXAMPLE: Type Y(RET)

30. MAX COPIES
This should be left blank.

31. COUPONLESS
This should be left blank.

32. CDPID #
This should be left blank.

33. PROGRAM
This should be left blank.

34. POINT MULTIPLIER
This should be left blank.

35. CURRENCY
This should be left blank.

The screen will then display:

OPTION:___ EDIT SPECIAL DOCUMENTS

1 Location
2 Document code CCINST
3 Description CREDIT CARD INSTALLMENTS
4 Note
5 Effective date
6 Termination date
7 Document type PROMO (FF, PROMO, BONUS, NEVER)
8 Promo/FF Type (%, $, P, D, H, U, G)
9 $ Amt, % or Miles
10 Max. Amount
11 Req Fri/Sat stay N (F=Fri, S=Sat, B=Both, E=Either)
12 Airline
13 Use FF Tax Flag 27 Max instalmts 4
14 Req Doc No 21 Req FOP VISA 28 Min Amt 100
15 Doc No Low 22 Req FOP MC 29 Domestic only? N
16 Doc No High 23 Req FOP 30 Max Copies
17 Min Days 24 Req FOP 31 Couponless?
18 Max Days 25 Option Cd 32 CDPID
19 Free Option 26 Free Days 33 Program
20 Local Promo 34 Points multip
35 Currency

1SAVE 2NEXT 3ERASE 4 5BACKUP 6 7HELP 8NXT PAGE

Enter data as follows:

B. EDIT MISCELLANEOUS CONTROL FIELDS

Page 7, Field 18: Prompt Installments?

This field must be set to "Y" for the installment logic to be in effect.

III. HOW IT WORKS

A. RA OPEN - DEPOSITS

1. The proper FOP must be loaded in the FOP field of the Main window.

2. Add the Special Document to the RA via the S subwindow.

3. When entering a credit card deposit, enter the full amount that is to be charged against the card (DO NOT ENTER THE INSTALLMENT AMOUNT). If the FOP code matches one of the codes in Fields 21 through 24 of the Special Document record, after saving the RA, the following question will be asked:

ARE CREDIT CARD INSTALLMENTS REQUIRED?

Entering "Y" will bring up a window where the number of installments can be entered.

a. If the number of installments entered is greater than the value in Field 27 of the Special Document, the request will be rejected.

b. If the full charge amount when divided by the number of requested installments produces a monthly installment amount which is less than the amount in Field 28 of the Special Document record, the request will be rejected.

B. RA CLOSE

1. Add the Special Document to the RA via the S subwindow.

2. When entering a credit card payment to the RA, enter the full amount that is to be charged against that card (DO NOT ENTER THE INSTALLMENT AMOUNT). If the FOP code matches one of the codes in Fields 21 through 24 of the Special Document record, after saving the RA, the following question will be asked:

ARE CREDIT CARD INSTALLMENTS REQUIRED?

Entering "Y" will bring up a window where the number of installments can be entered.

a. If the number of installments entered is greater than the value in Field 27 of the Special Document, the request will be rejected.

b. If the full charge amount when divided by the number of requested installments produces a monthly installment amount which is less than the amount in Field 28 of the Special Document record, the request will be rejected.

IV. MISCELLANEOUS NOTES

The amount of the individual installments do no appear anywhere on the RA. The amount is determined by the issuing bank (they will often add a service charge or interest to the installment amount). The only amount that will appear anywhere in CARS+ is the total amount that is to be charged against the card.

With the exception of the SiTef EDC module, the number of requested installments ARE NOT communicated by CARS+ to the issuing bank. The installment number entered into as a deposit or payment in CARS+ must also be entered into whatever device is used to submit credit card payments.

1. LOCATION	If credit card installments are restricted to a specific location, enter up to 6 alphanumeric characters to indicate the particular location or a Location Group Code. If the special document applies to all locations, leave this field blank. EXAMPLE: Press (RET)
2. DOCUMENT CODE	Enter up to 6 alphanumeric characters to indicate this particular document. EXAMPLE: Type CCINST (RET) User tip for Hertz operations: Hertz PC (promo coupon) numbers are check-digited, and the 6th digit is the check digit. If the document code being entered is less than 6 digits, use leading zero(s) to have a full 6 digits. When entering the document number in the S subwindow of Reservations or RA Open, enter "PC" followed by the document number. Example: Special Document number 012345 must be entered in the S subwindow as PC012346.
3. DESCRIPTION	Enter up to 50 character description of this document. The Description entered here will display on the RA Open screen when this document is entered. As a result, you can also use this field to enter instructions. EXAMPLE: Type CREDIT CARD INSTALLMENTS (RET)
4. NOTE	Enter up to 50 alphanumeric characters to indicate information about this particular document. When the document is added to a RA, this note will display. EXAMPLE: Type STANDARD 2 NIGHT COUPON(RET)
5. EFFECTIVE DATE	Using your selected date format, enter the date of the first day this document is valid. The effective and termination dates refer to the pick up date of the reservation or RA. For documents without a starting date, leave this field blank. EXAMPLE: Type 010112 (RET)
6. TERMINATION DATE	Using your selected date format, enter the date of the last day this document is valid. The effective and termination dates refer to the pick up date of the reservation or RA. Although, if the document was valid at the time a reservation is created and was added to the res but has since been terminated before the RA's open date, the document will still be accepted by the RA Open program. For documents without a termination date, leave this field blank. EXAMPLE: Type 123117 (RET).
7. DOCUMENT TYPE	Enter the code "PROMO". EXAMPLE: Type PROMO(RET).
8. PROMO/FF TYPE	This should be left blank.
9. $ AMT, % OR MILES	This should be left blank.
10. MAX AMT	This should be left blank.
11. REQ FRI/SAT STAY	This should be left blank.
12. AIRLINE	This should be left blank.
13. USE FF TAX FLAG	This should be left blank.

14. REQ DOC NO	This should be left blank.
15. DOC NO LOW	This should be left blank.
16. DOC NO HIGH	This should be left blank.
17. MIN DAYS	This should be left blank.
18. MAX DAYS	This should be left blank.
19. FREE OPTION	This should be left blank.
20. LOCAL PROMO	This should be left blank.
21. - 24. REQ FOP	Enter into these fields the FOP Codes of the credit cards that will accept installment billing. EXAMPLE: Type VISA (RET)
25. OPTION CODE	This should be left blank.
26. FREE DAYS	This should be left blank.
27. MAX INSTALMTS	An installment promotion is one where the renter may pay for the rental with credit card installment payments. To set up an installment type record, enter the maximum number of credit card installments that are allowed for paying the deposit or payment of the RA. This feature is only available when running CARS+ in "Brazil Mode" (see Company Type in Edit Main Control Record). Enter into fields 21-24 the FOP Codes of the payment types which this installments rule applies to. EXAMPLE:Type 4(RET)
28. MIN AMT	This field is used with the above field for installment promotions. Enter the minimum installment payment. The total RA charges divided by the number of installments must be equal to or greater than this minimum amount. This feature is only available when running CARS+ in "Brazil Mode" (see Company Type in Edit Main Control Record). Enter into fields 21-24 the FOP Codes of the payment types which this installments rule applies to. EXAMPLE: Type 100.00 (RET)
29. DOMESTIC ONLY?	Enter: Y = Yes, the installment promotion is limited to domestically issued credit cards only. (Credit cards can be defined with the country of issue in the Edit Credit Card Definitions File.) N = No, the installment promotion applies to credit cards without regard to the country of issue. EXAMPLE: Type Y(RET)
30. MAX COPIES	This should be left blank.
31. COUPONLESS	This should be left blank.
32. CDPID #	This should be left blank.
33. PROGRAM	This should be left blank.
34. POINT MULTIPLIER	This should be left blank.
35. CURRENCY	This should be left blank.