Introduction to Payments

This introduction provides the basic information that you will need to successfully process payment transactions. It also provides an overview of the payments industry and provides workflows for each process.
With
Cybersource
 payment services, you can process payment cards (tokenized or non-tokenized), digital payments such as Apple Pay and Google Pay, and customer ID transactions. You can process payments across the globe and across multiple channels with scalability and security.
Cybersource
 supports a large number of payment cards and offers a wide choice of gateways and financial institutions, all through one connection.
Visit the
Cybersource
 documentation hub to find additional processor-specific versions of this guide and additional technical documentation.

Financial Institutions and Payment Networks

Financial institutions and payment networks enable payment services. These entities work together to complete the full payment cycle.

Card Types

You can process payments with these kinds of cards:
  • Co-badged cards
  • Co-branded cards
  • Credit cards
  • Debit cards
  • Prepaid cards
  • Private label cards
  • Quasi-cash
You can process payments with these card types:
  • American Express
  • China UnionPay
  • Diners Club
  • Discover
  • JCB
  • Mastercard
  • Meeza (Pilot in Egypt only)
  • Visa

Transaction Types

This topic provides information about transaction types that are supported by your processor, such as card-present, card-not-present, and international transactions.

Payment Services

Various services are used to process
payments.
These services enable customers to purchase goods and services. They also enable merchants to receive payments from customer accounts, to provide refunds, and to void transactions.