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

Answer: B,C