How to Process a Payment

The customer begins to check out on your website and chooses the PayTo Pay by Bank payment option. This option enables the customer to choose their bank from a list of available partner banks.

You send a sale request to

Cybersource

. For more information, see Process a Sale.

Cybersource

responds with a

PENDING

status, sale request ID, and the PayTo redirect URL.

You redirect the customer to the PayTo URL.

The customer uses their bank account or PayID to approve the payment and is redirected to your website.

Cybersource

sends you an automatic SETTLED or FUNDED webhook notification when the sale is complete. For more information, see Introduction to Webhooks.

If you do not receive a webhook notification or have not enabled webhook notifications, you send periodic check status requests with the sale request ID to

Cybersource

until you receive an updated status. For more information, see Check a Status.

Cybersource

responds to your check status request with a SETTLED or FUNDED status. This status confirms that the payment is complete.

You confirm the payment.