What does SAP Commerce provide for developing payment functionality? (2)

What does SAP Commerce provide for developing payment functionality? (2)
A . A two-layered architecture framework to support flexible implementation
B . An architecture framework with services, methods, and adapters
C . Interfaces to support customer-made adapters to communicate with other payment service providers
D . An out-of-the-box payment adapter gateway with PayPal

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Answer: B,C