Credit Application

The following table describes the Credit Application options.

Note

This is a multi-record option group. Records can be added as necessary.

Option name	Value	Description
Active	Yes/No	Determines whether or not the POS application type is displayed as a choice on the Credit Application Selection menu. Note At least one record must be active to enable the Credit Application button. When two records are active, the POS application displays the Credit Application Selection screen.
Ability to Repay Consent Age	A numeric value from one to 99 or blank	Specifies the age that determines whether the applicant needs to review the information on the PIN pad. If the applicant’s age is below the configured age, a prompt is displayed. If this parameter is left blank, the prompt is not displayed.
Application Info Scheme	An alphanumeric value from zero to 40	Specifies the information collected for credit applications. For more information, refer to Information Form Definitions.
Application Type ID	An alphanumeric value from zero to 30	Specifies the value supplied to payment authorization client that allows them to identify the POS application type to the online authorizer.
Automatic Tendering	Yes/No	Determines whether or not the credit account applied for will be automatically used as payment when the credit application is processed during a merchandise transaction.
Check Photo ID	Yes/No	Determines whether or not the POS application displays an informational message informing the associate to ask the customer for a photo ID during the credit application.
Credit Application Control Client	An alphanumeric value from zero to 20	Identifies the payment client to be used for processing credit applications. To use this parameter, set the Credit Application Control Source parameter to Client.
Credit Application Control Source	One of the following values: POS Client Remote	Determines the flow of the credit application and the information that is collected. POS—uses parameters to determine the flow and the information that is collected during the credit application. This parameter works in conjunction with the Application Info Scheme parameter. Client—uses a credit authorization plug-in to determine the flow and the information that is collected during credit application. Remote—prints a configured chit to direct customers to apply on their personal device.
Credit Application Receipt Template	One of the following values: Universal Templates Application Type Based Templates	Determines the type of receipt template that is used for printing the credit application receipts. Universal Templates (CreditApplication{Result}Chit)—uses a generic receipt template for all credit application types. Application Type Based Templates (CreditApplication{ApplicationType}{Result}Chit)—uses a custom receipt template for a specific application type.
Display Order	A numeric value from one to 99	Specifies the order in which the credit application type is displayed in the menu on the POS application.
Electronic Consent Age	A numeric value from one to 99 or blank	Specifies the age at which the applicant is required to review and accept the electronic consent information on the PIN pad. If the applicant’s age is below the configured age, the prompt is displayed. If the value is blank, the prompt is not displayed.
Initial Use Discount Trigger Code	A numeric value from zero to 99999999999999999999	Specifies the trigger code that is added to the sales transaction that is started immediately after the credit application is approved.
Mask Account Number On Chit	Yes/No	Masks the account number on the approval chit according to the masking definition for that tender type.
Member Exclusive Credit Application	Yes/No	Restricts credit applications to members only. Yes—requires the credit applicant to be a member to proceed with the credit application. No—does not require the credit applicant to be a member to proceed with the credit application
Minimum Age	A numeric value from one to 99	Specifies the applicant’s minimum age to be eligible to apply for the credit card.
Name of Application	An alphanumeric value from one to 30	Defines the name of the credit application type that is displayed on the menu. This parameter is the record's key.
Phone Number	A numeric value from zero to 9999999999	Specifies the phone number that is displayed when a credit application error occurs.
PIN Pad Authorization Text Template Naming Scheme	An alphanumeric value from one to 80	Specifies the credit text template that is used when the authorization result is displayed on the PIN pad. For more information, consult with an NCR Representative.
POS Authorization Text Template Naming Scheme	An alphanumeric value from one to 80	Specifies the credit text template that is used when the authorization result is displayed on the POS terminal. For more information, consult with an NCR Representative.
Print Credit Application Approval Chit	One of the following values: Yes No Prompt	Determines whether or not a chit is printed when the credit application is approved.
Print Credit Application Decline Chit	Yes/No	Determines whether or not a chit is printed when the credit application is declined.
Print Credit Application Existing Account Chit	Yes/No	Determines whether or not a chit is printed when an existing account is found during a credit application transaction.
Prompt To Start A Sale With Credit Account	Yes/No	Determines whether or not the POS prompts the associate to start a sales transaction using the approved or existing credit line after a successful credit application.
Require Major CC	A comma-separated list of numeric values of up to 255 characters	Specifies the valid credit card tender IDs that the retailer accepts for credit applications.
Tender ID	A numeric value from zero to 99	Specifies the tender validation scheme to be used for format validation when voice authorization is required. This tender is linked to the House Card or Credit Card tender that the POS application is for. For more information, refer to Charge tender types.

Default Data

Name of Application	Credit Application	Prescreen Credit Application
Active	No	No
Ability to Repay Consent Age	21	21
Application Info Scheme	CreditApplication1	PrescreenCreditApplication
Application Type ID	standard	pre‑screen
Automatic Tendering	No	No
Check Photo ID	Yes	Yes
Credit Application Control Client	(None)	(None)
Credit Application Control Source	POS	POS
Credit Application Receipt Template	CreditApplication{Result}Chit	CreditApplication{Result}Chit
Display Order	1	2
Electronic Consent Age	21	21
Initial Use Discount Trigger Code	(None)	(None)
Mask Account Number On Chit	No	No
Member Only	No	No
Minimum Age	18	18
Phone Number	0000000000	0000000000
PIN Pad Authorization Text Template Naming Scheme	PINPadCreditApplication.{Result}	PINPadCreditApplication.{Result}
POS Authorization Text Template Naming Scheme	POSCreditApplication.{Result}	POSCreditApplication.{Result}
Print Credit Application Approval Chit	Yes	Yes
Print Credit Application Decline Chit	Yes	Yes
Print Credit Application Existing Account Chit	Yes	Yes
Prompt To Start A Sale With Credit Account	No	No
Require Major CC	3,4,5,6	(None)
Tender ID	23	23