From the diagram below, we can start to piece together what is occurring during a typical virtual card transaction.  For reference, below are a few of the abbreviations used in the diagram:

  • CSC = Card Security Code
  • EOP = Explanation of Payment
  • POS = Point of Service

Below is the typical process for virtual card transactions: Payment Transaction Routing Process

*File may contain data only for providers receiving virtual card payments or may also include data for all provider payment types

**EOP data includes  the 16-digit card number, payment amount, expiration date and CSC

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