---
title: "Payment Process"
canonical: "https://bizcore.refined.site/space/BCKB/1806630917/Payment%20Process"
format: markdown
---
# **Overview**

Biz Core currently supports direct debit and card payments.

The table below shows the differences between processing protocols of each method.

|  | **Direct Debit** | **Card** |
| --- | --- | --- |
| **Processing Frequency** | Once per day | Immediate for once-off payments or once per day if it’s scheduled |
| **Response Time** | 2 business days | Immediate |
| **Settlement Payout Time** | 2 business days | 48-72 hours |
| **Account Restrictions** | Only allows transaction accounts | Only supports Visa and Mastercard  (AMEX available upon request) |
| **Processing Restrictions** | Only processed Mon-Fri (excluding National Public Holidays) | No restrictions |


The below table is a basic description of the Payment Process.

|  | **Payment Process** | **Notes** |
| --- | --- | --- |
| **Direct Debit** | 1. Payments requested every banking day at 12:00 PM
2. Paid or declined response received 2 banking days later
3. Settlement paid out same day as response received | Only scheduled payments are supported. |
| **Card** | 1. Payment requested
2. Paid or declined response received immediately
3. Settlement paid out 48-72 hours later | Once-off and scheduled payments supported. |

Read on for a detailed description of how payments get from your customers wallet to yours.

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# **Payment Process Jobs**

## **Scheduled Transactions Job**

Every hour (AEST), Biz Core finds scheduled payments ready for processing. The first job runs at 1:00 AM and the last job runs at 11:00 PM. If a payment is scheduled for processing between these times, it will be processed when the first job runs at 1:00 AM.

This job will find scheduled payments, and convert them to Pending transactions.

A scheduled payment can be identified by the blue background and **<span style="color: #4c9aff">SCHEDULED</span>**** **label.

![image](media://4d432df7-895c-4a46-bfa2-553e58ed5cef)

![image](media://0db2f36f-2fb7-423c-a6e8-72336ca6bd08)

> 📝 It’s important to note that this job does not process the payments, but simply finds payments ready to be processed and converts them to a Pending transaction.

## **Direct Debit Process Job**

Every banking day, at 12:00 PM AEST. Biz Core finds all Pending direct debit transactions and generates an ABA file containing all the payments.

This is the only time direct debits are processed each banking day, any Pending transactions submitted after this time will be processed on the next banking day.

## **Card Payment Process Job**

Biz Core looks for Pending card transactions to process every 30 minutes; on the 15 minute and 45 minute marks of each hour (AEST). The only time period Biz Core is not looking for transactions to process is between 23:45 and 01:15 AEST.

---

# **Preferred Transaction Times (PTT)**

For each payment method, you can set a preferred transaction time.

Let’s see how this affects your payment processing:

|  | **When the Scheduled Transactions Job runs…** |
| --- | --- |
| **Direct Debit** | It will convert the scheduled payment into a Pending transaction, thereby locking the date and amount for the payment process that day.<br>E.G. If the PTT is 10:00 AEST, at 10:00 the scheduled payments will convert into Pending transactions, and then at 12:00 they will be sent to the bank for processing. |
| **Card** | It will convert the scheduled payment into a Pending transaction, thereby locking the date and amount for the payment process that day.<br>At the next Card Payment Process Job the payment will be attempted.<br>E.G. if the PTT is 10:00 AEST, at 10:00 the scheduled payments will convert into Pending transactions and then these payments will be attempted at 10:15. |

> 📝 It’s important to note this time is based on your subscription time zone.
> 📝 
> 📝 You can see this by navigating to **Subscription → Details **and looking in the** Subscription widget.**

![image](media://5149ddca-c9f0-4c5e-b616-98271c19fd8a)

## **Direct Debits**

Navigate to **Settings → Payments Module → Flows → Expand Supported Source Types → Expand Bank Account → Expand ABA File Source Medium.**

![image](media://4960216c-bdd2-41de-96b9-ce817c0084db)

> ⚠️ If you set this time after 11:00 AM AEST your payments will miss that days payment process, instead they will be processed on the next business day.

## **Cards**

Navigate to **Settings → Payments Module → Flows → Expand Supported Source Types → Expand Card → Expand Card Provider.**

![image](media://a191d46d-1d69-4aec-94f4-b463345e4263)

> 📝 This setting does not affect once-off card payments which are processed instantly.