The merchant is able to configure multiple payment options on an Order Management System (OMS). As an example, the screenshot below shows a merchant where Chat 2 Pay is just one of many configured payment options.
Chat 2 Pay appears as one of the payment options available to the customer service agent
If the merchant already has a card-on-file (COF) associated with the Customer, the merchant triggers a COF payment method (i.e., the “Credit Card” option on the example above) on the OMS rather than the Chat 2 Pay payment method.
If the merchant doesn't have a COF or uses a system that doesn't display COF, then the merchant uses the Chat 2 Pay payment method to deliver a payment link to the customer. The customer uses the payment link and associated checkout page and is given the option to save a new card on file using either
Cybersource’s Token Management Service
Visa’s Click to Pay Wallet
MasterCard’s Masterpass Wallet
A 3rd party Token Vault configured on the merchant’s Cybersource configuration
Payment screen where the customer can add a new card or select a saved card from their Visa Click to Pay wallet
SMS and two-way channels, automation, call center integration, payments – do it all with Clickatell’s Chat Commerce platform.