P2C reference information

Compliance

Payment Card Industry (PCI) standards ensure that sensitive credit card information is protected from fraudulent use. P2C processing complies with PCI standards.

When a merchant initiates a transaction, they send P2C the token that represents their payee's debit card number. P2C detokenizes the card to retrieve the card number in order for payment to be made. After payment is complete, the card number is sent to tokenization again.

P2C logs contain only masked credit card numbers.

Transaction limit

Maximum Daily Limit (MDL) and Daily Limit (DL)

Every merchant has a predetermined MDL that is set by the CRB sales and credit teams. A merchant can also set onboards a DL below the MDL at any time. An internal software in merchant for P2C automatically controls the fund transaction limits for each account. disbursements.

The MDL is the highest amount of aggregate transactions that a merchant can push in one day as determined by CRB.

The DL is the highest amount of aggregate transactions that a merchant can push in one day either at or below the MDL.

Redundancy

P2C is designed with N+1 redundancy and ensures system availability. It routes your request over the most cost efficient, available rail.

Cash balance requirement

Every merchant is required to keep a minimum cash balance in their account at CRB. This is generally a multiplier of the merchant's DL and is determined by CRB.

Reversals

All P2C transactions are final once completed. Reversals are not supported, even in the event of fraudulent chargebacks.


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