Merchant Account Types

There are three types of
Cybersource
 merchant accounts:
  • Cybersource
     Settlement Services Account
  • Commercial Bureau Account
  • Processor Direct Contract Account
For more information about each account type, contact your
Cybersource
 sales representative.

Cybersource
 Settlement Services Accounts

Cybersource
 settlement services accounts have no direct contract with a payment provider partner. The
Cybersource
 Financial Settlement Partner (FSP) collects funds on your behalf and settles them to your merchant account.
Cybersource
 request the export compliance service for every transaction using the
Cybersource
 settlement services account. The export compliance service compares customer information to an export control list maintained by government agencies. If a customer’s name appears on any government list, the transaction is declined.
To facilitate compliance checks for
Cybersource
 settlement services accounts, you must send these authorization fields in your sale service request:
billTo_city
billTo_country
billTo_firstName
billTo_lastName
billTo_street1
If you do not send these fields, you might not see errors in the
Cybersource
 test environment, but you will see errors in the production environment.

Commercial Bureau Accounts

Commercial bureau accounts are for merchants who have their own mandate management system, and a pre-existing service user number (SUN). These accounts must use the payment processor selected by
Cybersource
. The selected payment processor acts as a technical service provider (TSP) to process payments. Funds are credited to the account linked to the SUN by the
Bacs
 scheme.

Processor Direct Contract Accounts

Processor direct contract accounts must use the payment provider selected by
Cybersource
. If you have existing direct contracts, you must inform your sales representative.