Merchant Account Types

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

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.

Figure:

Mandatory Authorization Fields for a
Cybersource
 Settlement Services Account
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.