--- schema_version: "1" id: 8bb64591606acf6b0bb7a501437f3193accb4421d331692d11cbe76800d61e46 title: Set Up Processing of Synchrony Credit Card Purchases using Adyen collection: admin version: current locale: en-us portal_url: https://docs.salesforce.com/admin/current/en-us/commerce/264-0-0/rt_adv_config_3p_int_finance_synchrony.md canonical_url: https://help.salesforce.com/s/articleView?id=commerce.rt_adv_config_3p_int_finance_synchrony.htm&release=264.0.0&type=5 source_site: help.salesforce.com content_type: documentation content_hash: 05c3117626c706f2028acd8ade8b9be869ec8243d9be2b8821829c9a1cc68d3e description: The POS app, in combination with an Adyen terminal, supports the recognition of Synchrony cards and enables financing transactions. During checkout, when a customer chooses to pay with their Synchrony PLCC and the card is presented, the store associate can process the payment. If the order total meets a set threshold, the store associate can offer financing, which requires the customer to sign an electronic disclosure and financing contract. The threshold, electronic disclosure, and financing contract terms are customizable in the CMS. products: - Commerce release: "264" --- # Set Up Processing of Synchrony Credit Card Purchases using Adyen The POS app, in combination with an Adyen terminal, supports the recognition of Synchrony cards and enables financing transactions. During checkout, when a customer chooses to pay with their Synchrony PLCC and the card is presented, the store associate can process the payment. If the order total meets a set threshold, the store associate can offer financing, which requires the customer to sign an electronic disclosure and financing contract. The threshold, electronic disclosure, and financing contract terms are customizable in the CMS. - Modern POS App Build: 10.7.1 or greater - Platform Support: iPhone & iPad - Offline Support: No #### See Also - [_Salesforce Help:_ Maintain PCI Compliance with Synchrony](https://help.salesforce.com/s/articleView?id=commerce.rt_adv_config_3p_int_finance_synchrony_pci_compliance.htm&release=264.0.0&type=5 "Add a form to your Point of Sale app for customers that opt to use Synchrony as a payment method. After a store associate submits the form, the app retrieves a secure, PCI-compliant token that substitutes for a credit card number. The token enables the checkout to remain compliant without collecting the customer's full card information.") - [_Salesforce Help:_ Create a Finance Form Layout for Synchrony](https://help.salesforce.com/s/articleView?id=commerce.rt_adv_config_3p_int_finance_synchrony_finance_form.htm&release=264.0.0&type=5 "To maintain Payment Card Industry (PCI) compliance with Synchrony, add a finance tender form to your Point of Sale CMS.") - [_Salesforce Help:_ Add a Finance Tender Layout to a Point of Sale App](https://help.salesforce.com/s/articleView?id=commerce.rt_adv_config_3p_int_finance_tender_layout.htm&release=264.0.0&type=5 "Assign a finance tender layout to an app configuration in Point of Sale CMS.") ## Enable Card Acquisition Enable the card acquisition flow for the POS app and terminal, and configure financing rules. 1. In CMS, go to **Store Management** | **Store Settings** | **Payment**. 2. Expand **Advanced**. 3. Click the pencil icon next to **Payment Terminal Financing Configuration (cardAcquisitionSettings)**. A modal will open, allowing you to define the rules for promotional financing options based on the card acquisition response. ![Tip](https://sf-zdocs-cdn-prod.zoominsoftware.com/tdta-commerce-retail-264-0-0-production-enus/17d647fb-8988-49fb-9add-c4f4cc79c9e4/images/icon_tip.png) Tip This setting is also accessible in **Integrations** | **Finance System Configuration**. 4. Toggle "Enable Card Acquisition" to activate the card acquisition for each card swipe or insertion before payment. 5. Under **Financing Rules**, specify whether to use "Synchrony via Adyen Terminal" for cards with a PAN matching a specified BIN range (e.g., the issuing bank's range for Synchrony cards). If no BIN range is specified, the POS app will accept all types of Synchrony cards. 6. Under **Set Order Rules for Applicable Finance Code**, specify the finance code to use for each order total range. This code is passed to the terminal for pre-authorization of Synchrony financing and determines the APR for the applicable finance option. ![Important](https://sf-zdocs-cdn-prod.zoominsoftware.com/tdta-commerce-retail-264-0-0-production-enus/17d647fb-8988-49fb-9add-c4f4cc79c9e4/images/icon_important.png) Important At least one order total rule must be set. Without it, the POS app won't present a financing option, as the finance code is required based on the order total. 7. Under **Finance Terms and Conditions**, enter the terms and conditions that'll be displayed to the customer during the card acquisition process. ![Tip](https://sf-zdocs-cdn-prod.zoominsoftware.com/tdta-commerce-retail-264-0-0-production-enus/17d647fb-8988-49fb-9add-c4f4cc79c9e4/images/icon_tip.png) Tip The PS Tag :ps\_financing\_apr can be used to populate the APR value retrieved from Synchrony. ![A screen details payment terminal financing configuration.](https://sf-zdocs-cdn-prod.zoominsoftware.com/tdta-commerce-retail-264-0-0-production-enus/17d647fb-8988-49fb-9add-c4f4cc79c9e4/retail/images/rt_adv_config_3p_int_finance_synchrony_enable.png) ## Add Finance as Additional Payment Method Add finance as an additional payment method in the Adyen payment gateway. 1. In CMS, go to **Integrations** | **Payment Gateways**. 2. Edit an Adyen configuration. 3. Under **General Settings** | **Additional Payment Methods**, select "Finance." 4. Save your changes. ![A settings page configures payment gateway type and settings.](https://sf-zdocs-cdn-prod.zoominsoftware.com/tdta-commerce-retail-264-0-0-production-enus/17d647fb-8988-49fb-9add-c4f4cc79c9e4/retail/images/rt_adv_config_3p_int_finance_synchrony_add_pay_method.png) ## Map Finance Codes Finance codes (e.g., 0006) can be mapped to specific payment plans (e.g., 6 months deferred interest financing). ![Important](https://sf-zdocs-cdn-prod.zoominsoftware.com/tdta-commerce-retail-264-0-0-production-enus/17d647fb-8988-49fb-9add-c4f4cc79c9e4/images/icon_important.png) Important This is an important step in the finance flow. If skipped, the first option in the Finance option interstitial will show empty text. 1. In CMS, go to **Store Management** | **Store Settings** | **OMS**. 2. Expand **Advanced**. 3. Under **Payment Plan/Type Codes For Finance Tender (financePaymentTypeCodes)**, enter a list of comma-separated payment plan/type codes for finance tender. ![A table displays module, label, and key.](https://sf-zdocs-cdn-prod.zoominsoftware.com/tdta-commerce-retail-264-0-0-production-enus/17d647fb-8988-49fb-9add-c4f4cc79c9e4/retail/images/rt_adv_config_3p_int_finance_synchrony_map_codes.png) ## Configure Reward Lookup SPI Lookup the available rewards for a customer that can be applied as a tender. 1. In CMS, go to **Custom Connectors**. 2. Click **Create**. 3. Under **Connector Type**, select "SPI". 4. Under **Endpoint Name**, select "REWARD\_LOOKUP". 5. Configure the rest of the required fields by referring to the API/SPI Spec. ![A form displaying custom connection configuration details.](https://sf-zdocs-cdn-prod.zoominsoftware.com/tdta-commerce-retail-264-0-0-production-enus/17d647fb-8988-49fb-9add-c4f4cc79c9e4/retail/images/rt_adv_config_3p_int_finance_synchrony_config_reward_lookup.png) ## Configure Financing Account Lookup Deep Link Launch the account lookup flow via terminal when the customer's card is not present. 1. In CMS, edit your **Cart Options** layout. 2. Using the deep link picker, go to **Cart Options**. 3. Select and add "Financing Account Lookup". ## Configure Finance Layouts Set up layouts for electronic disclosures and terms/conditions. 1. In CMS, go to **Layouts** | **Layout Pages** | **Add From Template**. ![A financing terms and conditions form and a financing electronic disclosure form.](https://sf-zdocs-cdn-prod.zoominsoftware.com/tdta-commerce-retail-264-0-0-production-enus/17d647fb-8988-49fb-9add-c4f4cc79c9e4/retail/images/rt_adv_config_3p_int_finance_synchrony_config_layouts_template.png) 2. Select the "Financing Terms and Conditions" layout to configure the layout for terms and conditions. After configuring the layout, map it to your app configuration using the setting "Electronic Contract Layouts (ElectronicContractLayouts)". ![Tip](https://sf-zdocs-cdn-prod.zoominsoftware.com/tdta-commerce-retail-264-0-0-production-enus/17d647fb-8988-49fb-9add-c4f4cc79c9e4/images/icon_tip.png) Tip Use the PS Tag :ps\_financing\_terms\_and\_conditions to automatically pull and show the financing terms and conditions in the POS app. This lets you manage the terms in just one place. When you add the tag to the layout, it will retrieve the full terms with the correct promo details set under Finance Terms and Conditions. ![A window displays agreement options for terms and conditions.](https://sf-zdocs-cdn-prod.zoominsoftware.com/tdta-commerce-retail-264-0-0-production-enus/17d647fb-8988-49fb-9add-c4f4cc79c9e4/retail/images/rt_adv_config_3p_int_finance_synchrony_config_layouts_fin_tandc.png) 3. Select the "Financing Electronic Disclosure" layout to configure the layout for electronic disclosures. After configuring the layout, map it to your app configuration using "Finance Electronic Disclosure (financeElectronicDisclosureLayoutId)". ![A digital form displays an electronic disclosure requiring customer consent.](https://sf-zdocs-cdn-prod.zoominsoftware.com/tdta-commerce-retail-264-0-0-production-enus/17d647fb-8988-49fb-9add-c4f4cc79c9e4/retail/images/rt_adv_config_3p_int_finance_synchrony_config_layouts_fin_disclose.png) The below Button Actions can be added to the above layouts to allow the customer to either accept or decline finance agreements: - Accept Finance Agreement: Customer agrees and accepts finance agreements - Decline Finance Agreement: Customer declines finance agreements and returns the user to the cart ## POS Behavior On the cart screen, if the order total falls within the order total range range, the card acquisition flow will be triggered when the user selects to checkout with a credit card. If it does not, then the card acquisition flow will be processed with the full payment. For every credit card transaction, the POS will make a card acquisition request to Adyen, which returns information about the card. The POS uses this information to identify whether it is a Synchrony card (PLCC) or a normal (non-Synchrony) credit card based on the BIN range. ![A store interface on a tablet displays an order for a wicker sofa.](https://sf-zdocs-cdn-prod.zoominsoftware.com/tdta-commerce-retail-264-0-0-production-enus/17d647fb-8988-49fb-9add-c4f4cc79c9e4/retail/images/rt_adv_config_3p_int_finance_synchrony_pos_card.png) If the Reward Lookup SPI is configured and the customer has eligible rewards, the below modal will display. You can select a reward to apply to the order. If the customer's card is not available for an account lookup, the store associate can tap the Financing Account Lookup deep link. This will prompt the customer to follow instructions on the terminal for account lookups. The customer will enter their full 9-digit social security number (SSN) into the terminal and accept. ![Important](https://sf-zdocs-cdn-prod.zoominsoftware.com/tdta-commerce-retail-264-0-0-production-enus/17d647fb-8988-49fb-9add-c4f4cc79c9e4/images/icon_important.png) Important Merchants must contact Adyen support to configure the SSN prompts as the POS app only supports account lookups using SSNs. If an account is found, Adyen will respond with a token that the POS can use to process the transaction. The POS will then display a success message with the customer’s full name, which the associate can use to verify the shopper’s identity. The associate will be prompted on the POS to confirm that the name on the account matches the form of ID presented by the shopper. Once the associate confirms the verification, they’ll proceed to the rewards lookup step in the financing flow and view the shopper’s available rewards. ![A screen presents available rewards.](https://sf-zdocs-cdn-prod.zoominsoftware.com/tdta-commerce-retail-264-0-0-production-enus/17d647fb-8988-49fb-9add-c4f4cc79c9e4/retail/images/rt_adv_config_3p_int_finance_synchrony_pos_rewards.png) On the next modal, you'll be able to select a finance option or opt to earn rewards. If rewards is selected, this will complete the order as a credit card transaction. If financing is selected, the POS will do a pre-authorization via Adyen for financing. Note, clicking the X button on the modal will cancel the card acquisition flow. ![A tablet displays a payment option to proceed, including selecting a payment option for deferred interest financing.](https://sf-zdocs-cdn-prod.zoominsoftware.com/tdta-commerce-retail-264-0-0-production-enus/17d647fb-8988-49fb-9add-c4f4cc79c9e4/retail/images/rt_adv_config_3p_int_finance_synchrony_pos_pay_method.png) When the customer selects a financing option, the POS will prompt the customer for consent to receive electronic disclosures. Customers can choose to review the disclosure on the terminal. ![A prompt requests consent to receive electronic disclosures.](https://sf-zdocs-cdn-prod.zoominsoftware.com/tdta-commerce-retail-264-0-0-production-enus/17d647fb-8988-49fb-9add-c4f4cc79c9e4/retail/images/rt_adv_config_3p_int_finance_synchrony_pos_disclose.png) ![Note](https://sf-zdocs-cdn-prod.zoominsoftware.com/tdta-commerce-retail-264-0-0-production-enus/17d647fb-8988-49fb-9add-c4f4cc79c9e4/images/icon_note.png) Note If, for any reason, you're unable to stop an active request on the terminal, you can manually click the red cross (X) button on the terminal and then click No on the "Continue Transaction" popup. ![A touch screen displays a transaction confirmation message.](https://sf-zdocs-cdn-prod.zoominsoftware.com/tdta-commerce-retail-264-0-0-production-enus/17d647fb-8988-49fb-9add-c4f4cc79c9e4/retail/images/rt_adv_config_3p_int_finance_synchrony_pos_continue.png) Once consent is given, the customer can review the full disclosure on either the app or the terminal. After reviewing and agreeing to the disclosure, payment will be sent for authorization, and the checkout process will be completed. ![A payment plan agreement on a tablet lists parties, balance, and interest rate information.](https://sf-zdocs-cdn-prod.zoominsoftware.com/tdta-commerce-retail-264-0-0-production-enus/17d647fb-8988-49fb-9add-c4f4cc79c9e4/retail/images/rt_adv_config_3p_int_finance_synchrony_pos_ageement.png) ## Reporting Discover the reporting is available on these transactions. ### Electronic Journal If the customer selects a reward to apply to their order, the total amount will be listed in the Electronic Journal under the Column "Reward Tender Amount". ![A report displays reward amounts, reward tender amounts, notes, PRT receipts, and approver IDs.](https://sf-zdocs-cdn-prod.zoominsoftware.com/tdta-commerce-retail-264-0-0-production-enus/17d647fb-8988-49fb-9add-c4f4cc79c9e4/retail/images/rt_adv_config_3p_int_finance_synchrony_report_journal.png) ### Successful Orders Orders completed via the card acquisition flow will display "Finance" as the payment method in the order details. ![A report outlining a payment tender.](https://sf-zdocs-cdn-prod.zoominsoftware.com/tdta-commerce-retail-264-0-0-production-enus/17d647fb-8988-49fb-9add-c4f4cc79c9e4/retail/images/rt_adv_config_3p_int_finance_synchrony_report_orders.png) ### TLogs If the customer agrees to the terms and conditions, this agreement, along with the APR rate, will be logged in the TLogs under "termsAndConditions". ![A log displays payment information.](https://sf-zdocs-cdn-prod.zoominsoftware.com/tdta-commerce-retail-264-0-0-production-enus/17d647fb-8988-49fb-9add-c4f4cc79c9e4/retail/images/rt_adv_config_3p_int_finance_synchrony_report_tlogs.png) ## Known Issues and Restrictions Use of Synchrony via Adyen integration will only work with an external OMS as the order master.