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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.