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How can we use MS Dynamics Payment Services to process credit card payments on account?

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I am ready to set up the Credit card processing functionality, however it appears that it only deals with customers placing orders that wish to use their credit card as the payment method. This only addresses half of our credit card transactions. We have equal number of customers that wish to use their credit card to pay on their account balance. Is anyone else doing this? If so, can you provide me some suggestions or details? Thank you so very much, Tammy Plowman

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