How It Works

You can use the
Microform Integration
 JavaScript library to securely replace sensitive input fields with
Cybersource
-hosted secure iframes. These iframes capture payment information, including card numbers and
eCheck
 data. This ensures that sensitive data is handled securely within your checkout process.

Accepting Card Information

For card transactions, the captured card number is replaced with a mathematically irreversible token that only you can use. This token can be used in place of the card number for follow-on transactions in existing
Cybersource
 APIs.
Microform Integration
 replaces the following card payment fields in your input form:
  • Payment Card (PAN)
  • CVN
  • Month (non-sensitive)
  • Year (non-sensitive)
With this option you can pass imonth and year in the request (if required), but these fields are non-sensitive.
This figure shows the
Microform Integration
 process for accepting card information.

Figure:

Microform Integration
 Process with Card Information

Accepting
eCheck
 Information

Microform Integration
 also supports the acceptance of
eCheck
 information. As with card transactions, the sensitive
eCheck
 data is securely captured and replaced with a token.
Accepting
eCheck
 information enables merchants to collect funds from a customer's bank account through both the ACH service and eCheck service (US only) for either of these flows:
  • ACH services
     are a set of connections composed of the legacy gateway solutions where
    Cybersource
     serves as the gateway.
  • eCheck
    , the new service on Payments 2.0, is the acquirer solution where
    Cybersource
     is the acquirer.
Microform Integration
 replaces these
eCheck
 information fields in your payment input form:
  • Routing Number
  • Account Number
  • Account type (non-sensitive)
This figure shows the
Microform Integration
 process for accepting
eCheck
 information.

Figure:

Microform Integration
 Process with
eCheck
 Information