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B2B

Business to Business

B2C

Business to Customer

Backend

A "backend" application or program serves indirectly in support of the frontend services, usually by being closer to the required resource or having the capability to communicate with the required resource. The connection to Wirecard over HTTPS or XML-Client Software is a backend integration, in contrast to CLICK2PAY (frontend).

Bank Card

A plastic card issued by a bank for electronic payment.

Bank Deposit

The balance of funds held in a bank account or the act of placing funds in an account.

Bank Identification Number (BIN)

The first six digits of a credit card, debit card, or any charge card identifying the bank that issued the card.

Bank Identifier Code (BIC)

A standardized code used for cross border payments identifying a bank.

Bank Transfer

The electronic transfer of money between bank accounts.

Batch

A batch is an accumulation of separately executed payment transactions compiled and submitted for processing.

Batch Capture

A capture transaction performed in a batch run. A process that completes a transaction: The Issuing Bank credits the merchant's bank account with the funds for the transaction and updates the cardholder's statement.

Batch Envelope

An XML-based batch message element. Each batch consists of an envelope and individual transaction elements. The request message generates a corresponding XML response batch message with envelope and transaction elements.

Batch Processing

See also: Real-time Processing A type of data processing where related transactions are combined and submitted for processing as a group, called 'batch'. The Wire Card system takes a pre-defined Batch of data, processes it and returns the results to the merchant.

BIC

See: Bank Identifier Code

BIN

See: Bank Identification Number (BIN)

Bookback

See also: Refund Transaction
A proprietary term describing a refund of a previously settled credit card payment. The money is returned  to the cardholder's bank account via his credit card. It can only be used in reference to a successful sales or capture transaction. The amount of a bookback can only be less than or equal to the previously settled amount (see: settlement).

Business Case

The shop owner’s account in the Wirecard system. A business case can include various payment solutions and transaction currencies. Every business case has its own business case signature. A customer can have several business cases.

Business Case Signature

A unique code identifying a merchant's business case.