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Merchant Account Types {#klarna-intro-acct}
===========================================

There are two types of `Cybersource` merchant accounts, *`Cybersource` settlement services account* and *processor direct contract account*.

`Cybersource` Settlement Services Account
-----------------------------------------

This merchant account has 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 ` requests the export compliance service for every transaction using the ` Cybersource ` settlement services account. The export compliance service compares customer information to export control lists 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 include these fields in your authorization service requests.  
You must include these fields in the live environment to avoid receiving error messages.

Mandatory Authorization Fields for a `Cybersource` Settlement Services Account
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billTo_city
:

billTo_country
:

billTo_firstName
:

billTo_lastName
:

billTo_street1
:

Processor Direct Contract Account
---------------------------------

This merchant account must use the payment provider selected by `Cybersource`. If you have existing direct contracts, you must inform your sales representative.  
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