In this document I have tried to describe the configuration steps for SAP credit processing along with a brief overview of Credit Card Processing in SAP. Before using / accepting credit card, you need to take into account - Number of factors which influence types of credit card and clearing house. - Configuration required handling credit card. Overview of Credit Card Processing: Payment card processing in the R/3 System offers us a wide range of functions in Sales and Distribution, Retail point of sale, Financial Accounting, and Internet commerce.