Built by Us

Welcome to
Cybersource
's suite of solutions built by Cybersource, for you. These solutions offer potential use cases that improve operational efficiency, enhance security, and provide comprehensive reporting and invoicing. Reduce the risk of errors, protect against fraudulent transactions, and ensure accurate financial records through streamlined reconciliation processes. Our solutions are ideal for various industries including financial services, healthcare, manufacturing, and distribution. For example, in healthcare, our solutions can manage payment operations efficiently, ensuring secure and accurate processing of payments for services rendered, and support timely invoicing actions.
These guides are built by Cybersource:

Adobe Commerce Cloud

You can integrate Cybersource with the
Adobe Commerce Cloud
 platform to process payments using Magento checkout. The Cybersource
Adobe Commerce Cloud
 extension supports popular payment methods, safeguards payment data, minimizes fraud, and mitigates risks. This section describes the payment management capabilities offered by Cybersource through the
Adobe Commerce Cloud
 integration.
This guide also applies to installing this extension in a Magento Open Source environment.

Fraud Management

Fraud Management prevents fraud losses and gives you the flexibility to control business practices and policies in real time. Fraud Management can help you accurately identify and review potentially risky transactions while minimizing the rejection of valid orders. Fraud Management comprises these capabilities:
  • Real-time fraud screening performed only during authorization
  • Device fingerprinting
  • On-demand Conversion Detail Report for changes in order status

Account Takeover Protection

Cybersource Account Takeover Protection defends customers and merchants from fraudulent use of online accounts. It monitors suspicious account changes and helps identify high risk users at account creation and login. These capabilities comprise Account Takeover Protection:
  • Real-time event screening of account creation, login, and changes
  • Device fingerprinting

Payer Authentication

Cybersource Payer Authentication enables you to add support to your web store for card authentication services offered by Visa, Mastercard, and other card brands. These programs verify the cardholder’s identity directly with the card-issuing bank in real time to increase payment security and reduce the risk of fraud. However, Payer Authentication is not a fraud management service, and Cybersource recommends that you configure a comprehensive fraud management program such as Decision Manager in addition to Payer Authentication services. These services comprise Payer Authentication:
  • Verified by Visa
  • Mastercard Identity Check
  • American Express SafeKey
  • Discover ProtectBuy
  • JCB
  • Diners
  • Maestro International
To comply with the recent mandates for French local processors that support Payer Authentication, CMCIC, Atos and BNP processors no longer supports these combinations.

PayPal

The
Adobe Commerce Cloud
 integration includes the PayPal payment method. Processing your PayPal transactions through Cybersource allows you to consolidate all payment types under a single gateway account, simplify integration efforts, screen PayPal transactions for fraud with Decision Manager, and streamline reporting. These services comprise PayPal:
  • Sessions
  • Check Status
  • Order
  • Authorization
  • Authorization Reversal
  • Capture
  • Sale
  • Refund
  • PayPal Credit
  • Billing Agreements

PayPal Credit

PayPal Credit is a payment method that allows merchants to accept a PayPal transaction when the customer chooses to finance their purchase through PayPal.

Electronic Check (
eCheck
 Service)

The
eCheck
 Service a form of digital payment that serves the same function as a physical check. When a merchant accepts an electronic check payment, the funds are pulled directly from the customer’s checking or savings account. These are the
eCheck
s include both debit and credit services.
eCheck
 Service process refunds with the credit payment service.

Online Bank Transfers

Online banking services enable customers to pay for goods by sending money from their bank account to the merchant.
The Cybersource
Adobe Commerce Cloud
 extension supports the following payment methods and corresponding online bank transfer services:
  • Bancontact
    • Sale
    • Check Status
    • Refund
    • Country: Belgium
  • iDEAL
    • Options
    • Sale
    • Check Status
    • Refund
    • Country: Netherlands

Tax Calculation

The Tax Calculation service provides real-time tax calculation during order checkout for orders placed worldwide with your business.

Delivery Address Verification

The Delivery Address Verification service verifies the entered address and suggests the recommended address for city, state, and zip code combinations in real time.
If this feature is enabled in the
Adobe Commerce Cloud
 console, the Cybersource
Adobe Commerce Cloud
 extension verifies the delivery address on shipping information updated by the user.

Klarna

Klarna credit provides a seamless user experience for online customer financing to merchants of all sizes, which helps in increasing customer choice, loyalty and growth in sales.

Google Pay

Google Pay is a digital wallet that allows customers to pay with any payment method saved to their Google account.

OpenCart

The plugin for OpenCart provides a payment solution for merchants using OpenCart to manage their orders. This section describes the payment methods and services the Plugin provides.

Supported payment methods

These are the supported payment methods for OpenCart:
  • Credit and debit cards
  • eCheck
  • Click to Pay

Supported payment services

These are the supported payment services available for OpenCart:
  • Payment acceptance services
    • Authorization only
    • Sale (bundled authorization and capture)
    • Electronic check debit (sale) for
      eCheck
       payment method
  • Order management services
    • Capture an authorization (not for
      eCheck
      )
    • Multiple partial captures (not for
      eCheck
      )
    • Standard and partial refunds
    • Standard and partial void captures (not for
      eCheck
      )
    • Standard and partial void refunds
    • Full authorization reversal (not for
      eCheck
      )
  • Token Management Service
     (
    TMS
    ) for credit and debit cards payments
    :
    • Create payment token along with authorization
    • Update an existing token along with authorization
    • Update an existing token from My Account section
    • Delete an existing token from My Account section
    • Create payment token for new payment methods during checkout
    • Make a payment with a stored token during checkout
  • Reporting services that allow you to import theses
    Business Center
     reports into OpenCart
    :
    • Transaction Request Report
    • Payment Batch Detail Report
    • Conversion Detail Report

Oracle NetSuite

Cybersource services can be integrated with
Oracle NetSuite
 to simplify your payment management platform. This section describes the payment methods and services that the Cybersource SuiteApp for
Oracle NetSuite
 bundle provides.

Payment Acceptance Services

The bundle supports payment acceptance services that the customer initiates (authorization and sale), and order management services that the merchant handles for credit and debit cards (capture, credit, authorization reversal).
The bundle includes these credit and debit card services:
  • Authentication
  • Authorization only
  • Authorization reversal
  • Capture
  • Credit
  • eCheck
  • Refund
  • Sale (authorization and capture)
  • Tokenization (
    TMS
     and network tokenization)
For the Cybersource Automatic Clearing House (ACH) service, the bundle supports payment acceptance services that the customer initiates (authorization and sale), and order management services the merchant handles(refund). The bundle also supports the tokenization service for ACH.

Order Management Services

The bundle supports order management services for Apple Pay, Google Pay, PayPal, and
Click to Pay
. Order management services support these operations for payment methods Apple Pay, Google Pay, PayPal, and
Click to Pay
:
  • Authorization reversal
  • Capture
  • Credit
  • Sale (supported for
    Click to Pay
     and for PayPal as a workaround for multi-capture functionality)
You must import authorizations that are processed outside of
Oracle NetSuite
 to see details of those authorizations using live integrations or CSV imports. For
Click to Pay
, the PNRef number field of the sales order should hold the details of the authorization ID and Visa order ID in the format of
AuthorizationID_VisaOrderID
. For PayPal, the PNRef number field of the sales order should hold the details of the authorization ID and order ID in the format of
AuthorizationID_OrderID
.

Reporting Services

You can import these reports from Cybersource into
Oracle NetSuite
:
  • Transaction Request Report
  • Payment Batch Detail Report
  • Conversion Detail Report

Invoicing Services

These invoicing actions can be generated in
Oracle NetSuite
 and imported from Cybersource:
  • Creating a draft invoice
  • Create an invoice without sending it
  • Create and sending an invoice immediately

PrestaShop

The plugin for PrestaShop provides a payment solution for merchants using PrestaShop to manage their orders. This section describes the payment methods and services the plugin provides.
Supported payment methods:
  • Credit and debit cards
  • eCheck
  • Click to Pay
  • Apple Pay
  • Google Pay
Supported payment services:
  • Payment acceptance services:
    • Authorization only
    • Sale (bundled authorization and capture)
    • Electronic check debit (sale) for
      eCheck
       payment method
    • Installment payments for Brazil, Chile, Colombia, Mexico, and Peru
    • Grace period payments for Mexico
  • Order management services:
    • Capture an authorization (not for
      eCheck
      )
    • Multiple partial captures (not for
      eCheck
      )
    • Standard and partial refunds
    • Standard and partial void captures (not for
      eCheck
      )
    • Standard and partial void refunds
    • Full authorization reversal (not for
      eCheck
      )
  • Token Management Service
     (
    TMS
    ) for credit and debit card payments:
    • Create payment token along with authorization
    • Update an existing token along with authorization
    • Update an existing token from My Account section
    • Delete an existing token from My Account section
    • Create payment token for new payment methods during checkout
    • Make a payment with a stored token during checkout
  • Reporting services that allow you to import these Cybersource
    Business Center
     reports into PrestaShop:
    • Transaction Request Report
    • Payment Batch Detail Report
    • Conversion Detail Report