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Payment Methods

Complete guide to setting up, managing, and using payment methods for your sc.sb platform billing.

Supported Payment Methods​

Credit and Debit Cards​

Supported Card Types:

  • Visa - All Visa credit and debit cards
  • Mastercard - All Mastercard credit and debit cards
  • American Express - American Express credit cards
  • Discover - Discover credit cards
  • JCB - Japan Credit Bureau cards
  • Diners Club - Diners Club International cards

Card Features:

  • Instant Verification - Real-time card validation
  • Automatic Billing - Recurring payment processing
  • International Cards - Support for global cards
  • 3D Secure - Enhanced security authentication
  • PCI Compliance - Secure card data handling

Bank Transfers​

ACH Transfers (US):

  • Direct Debit - Automatic bank account debits
  • Wire Transfers - Same-day or next-day transfers
  • Account Verification - Micro-deposit verification
  • Business Accounts - Corporate bank account support
  • Personal Accounts - Individual bank account support

International Bank Transfers:

  • SEPA (Europe) - Single Euro Payments Area
  • BACS (UK) - Bankers' Automated Clearing Services
  • Direct Debit (UK) - UK direct debit system
  • Wire Transfers - International wire transfers
  • Local Payment Methods - Country-specific banking

Digital Wallets​

Supported Wallets:

  • PayPal - PayPal account integration
  • Apple Pay - iOS and macOS payments
  • Google Pay - Android and web payments
  • Samsung Pay - Samsung device payments
  • Amazon Pay - Amazon account payments

Cryptocurrency:

  • Bitcoin - Bitcoin payment processing
  • Ethereum - Ethereum and ERC-20 tokens
  • Litecoin - Litecoin payments
  • Bitcoin Cash - Bitcoin Cash payments
  • Stablecoins - USDC, USDT, DAI support

Setting Up Payment Methods​

Adding a Credit Card​

Step-by-Step Process:

  1. Access Billing Dashboard - Navigate to payment methods
  2. Add New Card - Click "Add Payment Method"
  3. Enter Card Details - Card number, expiry, CVV
  4. Billing Address - Verify billing information
  5. Save Card - Secure card storage

Card Verification:

  • Instant Validation - Real-time card verification
  • Address Verification - Billing address confirmation
  • CVV Verification - Security code validation
  • 3D Secure - Additional authentication if required
  • Test Transactions - Small verification charges

Adding a Bank Account​

ACH Setup Process:

  1. Select Bank Transfer - Choose ACH payment method
  2. Enter Bank Details - Routing and account numbers
  3. Account Verification - Micro-deposit verification
  4. Verify Deposits - Confirm micro-deposit amounts
  5. Activate Account - Enable for automatic billing

Verification Process:

  • Micro-deposits - Small test deposits (usually $0.01-$0.99)
  • Verification Period - 1-3 business days
  • Manual Verification - Alternative verification methods
  • Instant Verification - Real-time account validation (if available)

Digital Wallet Setup​

PayPal Integration:

  1. Connect PayPal Account - Link your PayPal account
  2. Authorize Payments - Grant payment permissions
  3. Set as Default - Make PayPal your primary method
  4. Test Payment - Verify PayPal integration
  5. Enable Auto-pay - Set up automatic payments

Mobile Wallet Setup:

  1. Add to Wallet - Add sc.sb to your mobile wallet
  2. Verify Identity - Complete identity verification
  3. Set Spending Limits - Configure payment limits
  4. Enable Notifications - Set up payment alerts
  5. Test Payment - Verify wallet functionality

Payment Method Management​

Primary Payment Method​

Setting Primary Method:

  • Automatic Selection - System chooses best method
  • Manual Selection - User chooses preferred method
  • Fallback Methods - Backup payment options
  • Method Priority - Order of payment attempts
  • Failure Handling - What happens when payment fails

Payment Method Priority:

  1. Primary Method - First choice for payments
  2. Secondary Method - Backup payment option
  3. Tertiary Method - Additional fallback option
  4. Manual Payment - User-initiated payments

Payment Method Updates​

Updating Card Information:

  • Expiry Date Updates - Automatic expiry notifications
  • Card Replacement - New card number updates
  • Billing Address - Address change updates
  • Security Updates - Enhanced security features
  • Account Changes - Bank account modifications

Automatic Updates:

  • Card Renewal - Automatic new card detection
  • Account Changes - Bank account updates
  • Security Alerts - Fraud protection updates
  • Compliance Updates - Regulatory requirement changes

Billing and Invoicing​

Invoice Generation​

Invoice Types:

  • Monthly Invoices - Regular monthly billing
  • Usage-based Invoices - Pay-per-use billing
  • Annual Invoices - Yearly subscription billing
  • One-time Invoices - Single payment invoices
  • Credit Invoices - Refund and credit notes

Invoice Details:

  • Service Breakdown - Individual service costs
  • Usage Metrics - Resource consumption details
  • Tax Information - Applicable taxes and fees
  • Payment Terms - Due dates and payment methods
  • Billing Period - Invoice date range

Payment Processing​

Automatic Payments:

  • Scheduled Billing - Automatic recurring payments
  • Due Date Processing - Payment on invoice due date
  • Retry Logic - Failed payment retry attempts
  • Grace Periods - Extended payment windows
  • Late Fee Handling - Late payment processing

Manual Payments:

  • One-time Payments - User-initiated payments
  • Partial Payments - Pay portion of invoice
  • Advance Payments - Pre-pay for future services
  • Credit Applications - Apply account credits
  • Refund Requests - Request payment refunds

Security and Compliance​

Payment Security​

Data Protection:

  • PCI DSS Compliance - Payment card industry standards
  • Encryption - End-to-end data encryption
  • Tokenization - Secure card data storage
  • Fraud Detection - Real-time fraud monitoring
  • Audit Logging - Complete payment audit trails

Authentication:

  • Multi-factor Authentication - Enhanced security
  • Biometric Authentication - Fingerprint and face ID
  • Device Verification - Trusted device management
  • Location Verification - Geographic payment validation
  • Behavioral Analysis - Unusual activity detection

Compliance Standards​

Regulatory Compliance:

  • GDPR - European data protection regulations
  • CCPA - California consumer privacy act
  • SOX - Sarbanes-Oxley compliance
  • PCI DSS - Payment card industry standards
  • ISO 27001 - Information security management

Troubleshooting​

Common Issues​

Payment Failures:

  • Insufficient Funds - Account balance issues
  • Card Declined - Bank or card issuer rejection
  • Expired Cards - Outdated card information
  • Invalid Information - Incorrect payment details
  • Security Blocks - Fraud protection activation

Account Issues:

  • Verification Problems - Account verification failures
  • Bank Account Issues - ACH transfer problems
  • Digital Wallet Errors - Mobile wallet issues
  • Currency Mismatches - Multi-currency problems
  • Regional Restrictions - Geographic limitations

Getting Help​

Support Resources:

  • Payment Support - Direct payment assistance
  • Account Management - Billing account help
  • Technical Support - Payment system issues
  • Fraud Prevention - Security and fraud assistance
  • Compliance Help - Regulatory compliance support

Best Practices​

Payment Management​

Security Best Practices:

  • Regular Updates - Keep payment methods current
  • Monitor Statements - Review payment history
  • Secure Storage - Protect payment information
  • Fraud Alerts - Enable payment notifications
  • Backup Methods - Maintain multiple payment options

Cost Optimization:

  • Payment Timing - Optimize payment schedules
  • Method Selection - Choose cost-effective methods
  • Currency Management - Minimize conversion fees
  • Fee Optimization - Reduce payment processing fees
  • Bulk Payments - Consolidate payment processing

Next Steps​

Payment Methods provide secure and flexible options for managing your sc.sb platform billing. Choose the right payment methods for your needs and maintain secure payment practices.