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.

Release Notes

This section provides information about functionality, bug fixes, and enhancements for the
Adobe Commerce Cloud
 Cybersource integration.

June 2024

Adobe Commerce Cloud
 Cybersource Version 3.5.8 is compatible with
Adobe Commerce Cloud
: 2.4.6 p3, 2.4.6 p2, 2.4.6 p1, 2.4.6, 2.4.5 p5, 2.4.4 p6 and PHP 8.2, 8.1
  • Fixed Logger and CSP issue for Magento v2.4.7.
  • PHP support added for v8.3.
  • Removed unused class in Apple Pay.
  • Added required field for Merchant ID in Back Store.
  • Fixed issue for admin order redirecting to blank page.
  • Made Payer Authentication common for both Secure Acceptance (Stored Card) and Soap Toolkit API.
  • Fixed Visa Checkout error "No such cart entity id with cartid".

March 2024

Adobe Commerce Cloud
 Cybersource Version 3.5.7 is compatible with
Adobe Commerce Cloud
: 2.4.6 p3, 2.4.6 p2, 2.4.6 p1, 2.4.6, 2.4.5 p5, 2.4.4 p6 and PHP 8.2, 8.1
  • Removed zend dependency and replaced with laminas.
  • Removed Payer Authentication Cardinal key dependency from Back Store Configuration.
  • Google Pay and Apple Pay refund issue fixed for multiple websites.
  • Apple Pay customer billing address fixes for downloadable and virtual products.
  • The issue has been fixed for JSON error message in the 3-D Secure pop-up.
  • Fixed invalid card type message that appeared in credit card Flex Microform.
  • Added error message for Apple Pay session failure.
  • Fixed Device Fingerprint raw parameter for Secure Acceptance.
  • Fixed Payer Authentication failure scenario.

October 2023

Adobe Commerce Cloud
 Cybersource Version 3.5.6 is compatible with
Adobe Commerce Cloud
: 2.4.6 p2, 2.4.6 p1, 2.4.6, 2.4.5 p4, 2.4.4 p5, and PHP 8.2, 8.1
  • Implemented Cardinal Cruise Direct Connection API Payer Authentication.
  • Removed dependency on
    sales_order_grid
     table for Google Pay and Secure Acceptance.
  • Apple Pay order cancel fixes.
  • PayPal billing address line 2 issue fixes.
  • Removed parenthesis for http signature request-target in core and
    eCheck
     module.
  • Upgraded version for the lcobucci/jwt from 3.4.2 to 3.4.6.

May 2023

Adobe Commerce Cloud
 Cybersource 3.5.5 is compatible with
Adobe Commerce Cloud
: 2.4.6, 2.4.5 p2, 2.4.5p1, 2.4.4 and PHP 8.2, 8.1
  • PHP support added for v 8.2.
  • Compatibility with
    Adobe Commerce Cloud
     v2.4.6 – Changed few components of zend framework to laminas as per the latest
    Adobe Commerce Cloud
     changes.
  • Fixed bugs related to supported card types and sandbox/production issue in Apple Pay.
  • Fixed jQuery deprecated functions.

February 2023

Adobe Commerce Cloud
 Cybersource 3.5.4 is compatible with
Adobe Commerce Cloud
: 2.4.5 p2, 2.4.5 p1, 2.4.x, 2.3.x
  • New implementation for
    eCheck
     cron –
    EventStatus
    .
  • Fixed bug related to Strong Customer Authentication.
  • Removed required validation from reCAPTCHA fields.
  • Updated Klarna library from credit to payments.
  • Added
    PaymentFlowMode
     as inline and
    PaymentMethodName
     as
    pay_now
     in Klarna app session request.
  • Updated WSDL version to latest V1.206.
  • Add new payment reject status as
    AUTHORIZED_RISK_DECLINED
     for Decision Manager reject.
Adobe Commerce Cloud

Updating the
Adobe Commerce Cloud

You must have a Cybersource
Business Center
 account to update
Adobe Commerce Cloud
.
If you do not have an account, go to the Business Center Registration website to create an account. Follow the email instructions that you received to activate your merchant account, and then log in to the Business Center to complete the registration process.
Follow these steps to update the Cybersource bundle to the latest version:
  1. In your directory, navigate to
    Adobe Commerce Cloud
     root directory
     /
    composer.json
    file
    .
  2. In the
    composer.json
     file, under
    require field
    , change the version to the plugin with the latest version.
  3. After you change the version in require field of
    composer.json
    , run the composer update command.
Adobe Commerce Cloud

Configuring the
Adobe Commerce Cloud

Customer payments can be managed through the
Adobe Commerce Cloud
 or the Cybersource
Business Center
. This section describes the settings you must configure in the
Business Center
 as well as some general use cases that will be typical in the day-to-day management of your
Adobe Commerce Cloud
 store. Contact Cybersource for information about product availability and enablement.
You must complete all of the configuration tasks in order to use the features offered in the
Adobe Commerce Cloud
 Cybersource integration.
Adobe Commerce Cloud

Configuring Security Credentials

The Cybersource module uses connection methods to access Cybersource services that require their own security credentials for authentication.
You must create and configure the SOAP toolkit key and REST API key for the
Adobe Commerce Cloud
 to function properly.
If you do not have a
Business Center
 account, go to the Business Center Registration website to create an account. Follow the email instructions that you received to activate your merchant account, and then log in to the Business Center to complete the registration process. Store your merchant key ID for later use.

Creating a SOAP Toolkit Key

The Cybersource
Adobe Commerce Cloud
 integration uses the SOAP Toolkit API to access several Cybersource services.
From your
Business Center
 account, you must generate the SOAP toolkit key. For steps on how to create a SOAP toolkit key, see Creating a SOAP Toolkit Key . Store your SOAP toolkit key for later use.

Creating a REST API Key

The Cybersource
Adobe Commerce Cloud
 integration requires REST API key creation to use some services like Flex Microform and the Fraud Management report.
From your
Business Center
 account, you also need your merchant key ID and shared secret key to enable the integration with
Adobe Commerce Cloud
. For steps on how to generate a shared secret key, see Creating a Shared Secret Key Pair. Store your key ID and shared secret key for later use.
Adobe Commerce Cloud

Configuring Additional Backend Settings

Certain Cybersource services supported on the
Adobe Commerce Cloud
 require additional backend setup on your
Business Center
 account. Contact your Cybersource account representative to enable any of these services:
  • Payment Tokenization: required by the module for credit card processing
  • Decision Manager
  • Payer Authentication
  • PayPal Express Checkout
  • eCheck
     Service
  • Online Bank Transfers
  • Tax Calculation
  • Klarna
  • Click to Pay
    : Enabled in the
    Business Center
  • Apple Pay: Enabled in the
    Business Center
Adobe Commerce Cloud

Support

If you require support with this software, contact GlobalPartnerSolutionsCS@visa.com and provide this information:
  1. Summary of the issue
  2. Steps to reproduce the issue
  3. Magento platform version
  4. Cybersource plug-in version
  5. Cybersource merchant ID
  6. Configuration screenshots
  7. All the themes/additional extensions installed
  8. Log files:
    system.log
    ,
    debug.log
    ,
    cybs.log
     and
    exception.log
    . To generate logs, navigate to this path in the root directory of Magneto:
    Magento Folder Name\var\log
Adobe Commerce Cloud