> For the complete documentation index, see [llms.txt](https://docs.verifone.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.verifone.com/psdk-latest/psdk-user-guide-and-training/psdk-user-guide/payment_functions/semi-integrated-payments/using-private-label-credit-cards.md).

# Using Private Label Credit Cards

Private Label Credit Cards(PLCC) are store-branded credit cards that are intended for use at specific stores. Many stores offer PLCCs to their customers to encourage them to spend more by offering the convenience of a credit card and deferred payment. In addition, when a customer makes a purchase with a PLCC, there can be promotions or discounts that can be applied on the purchase.

### Starting a PLCC Sale <a href="#starting-a-plcc-sale" id="starting-a-plcc-sale"></a>

In order to perform a sale operation with a PLCC create a [Promotion](https://docs.verifone.com/psdk-api-latest/android-java/index/promotion) with a promotionType, then create [LoyaltyData](https://docs.verifone.com/psdk-api-latest/android-java/index/loyaltydata) with this [Promotion](https://docs.verifone.com/psdk-api-latest/android-java/index/promotion) and add the [LoyaltyData](https://docs.verifone.com/psdk-api-latest/android-java/index/loyaltydata) on the payment object. Use [Payment.setRequestedPaymentType](https://docs.verifone.com/psdk-api-latest/android-java/index/payment#setrequestedpaymenttype-paymenttype)([PaymentType.PLCC](https://docs.verifone.com/psdk-api-latest/android-java/index/paymenttype)) before sending it to startPayment. Once the payment request is received by the terminal, it will apply suitable promotions, then the promotion disclosure and an optional [PromotionInfo](https://docs.verifone.com/psdk-api-latest/android-java/index/promotioninfo) details are sent back to the POS in the [PaymentCompletedEvent](https://docs.verifone.com/psdk-api-latest/android-java/index/paymentcompletedevent) after completing the sale.

{% code overflow="wrap" lineNumbers="true" %}

```java

// A session must be open to perform a payment
Payment payment = Payment.create();
// Create Promotion
Promotion promotion = Promotion.create("promo_code");
// Create LoyaltyData with the promotion
LoyaltyData loyaltyData = LoyaltyData.createFromPromotion(promotion);
Payment payment = Payment.create();
payment.setRequestedPaymentType(PaymentType.PLCC);
// Add the LoyaltyData to the payment
payment.addLoyaltyData(loyaltyData);
// Creating a Payment also creates an empty AmountTotals object in the requested amounts.
AmountTotals requestedAmounts = payment.getRequestedAmounts();
requestedAmounts.setSubtotal(ConversionUtility.parseAmount(8.00));
requestedAmounts.setTax(ConversionUtility.parseAmount(1.00));
requestedAmounts.setGratuity(ConversionUtility.parseAmount(1.00));
requestedAmounts.setTotal(ConversionUtility.parseAmount(10.00));
transactionManager.startPayment(payment);

// Listener receives the PaymentCompletedEvent.
@Override // Overridden from the CommerceListenerAdapter
public void handlePaymentCompletedEvent(PaymentCompletedEvent event) {
    if (TransactionEvent.TRANSACTION_PAYMENT_COMPLETED.equals(event.getType())) {
        if (event.getStatus() == StatusCode.SUCCESS) {
            Payment payment = event.getPayment();
            // Get the promotion info from LoyaltyData
            ArrayList<LoyaltyData> loyaltyData = event.getLoyaltyData();
            if (!loyaltyData.isEmpty()) {
                if (loyaltyData.get(0).getType() == LoyaltyType.APR_PROMOTION) {
                    Promotion promotion = loyaltyData.get(0).getAsPromotion();
                    PromotionInfo promotionInfo = promotion.getPromotionInfo();
                    String promotionDisclosure = promotion.getPromotionDisclosure();
                }
            }
        }
        // Else handle failure by examining the status code and message.
    }
}
```

{% endcode %}

{% hint style="info" %}
**See also**

* [PaymentType](https://docs.verifone.com/psdk-api-latest/android-java/index/paymenttype)
* [PaymentCompletedEvent](https://docs.verifone.com/psdk-api-latest/android-java/index/paymentcompletedevent)
  {% endhint %}

***

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**Date:**
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