Payment Features
On This Page
You can apply features to different payment services to enhance the customer payment
processing experience. This section includes an overview of these features:
Debit and Prepaid Card Payments
Debit cards are linked to a cardholder's checking account. A merchant who accepts the debit
card can deduct funds directly from the linked cardholder's account.
You can process debit cards using these services:
- Credit card services
- PIN debit services
Related Information
- See Standard Payment Processing for information that shows you how to use credit card services.
- See Debit and Prepaid Card Processing for information that shows you how to process authorizations that use a debit or prepaid card.
Payer Authentication
Payer authentication is run before a transaction is submitted for authorization. Most of
the time payer authentication is bundled with authorization so that after payer
authentication happens, the transaction is automatically submitted for authorization.
Payer authentication and authorization can be configured to occur as separate
operations. This section shows you how to run payer authentication as a separate process
and pass the payer authentication data when seeking authorization for a transaction.
Payer authentication consists of a two-step verification process that adds an extra layer
of fraud protection during the payment process. During transactions, the transaction
device, location, past purchasing habits, and other factors are analyzed for indications
of fraud. This process collects customer data during the transaction from at least two
of these three categories:
- Something you have: A payment card or a payment card number
- Something you know: A password or pin
- Something you are: Facial recognition or fingerprint
Each of these payment card companies has its own payer authentication product:
- Discover: ProtectBuy
- JCB: J/Secure
- Mastercard: Identity Check
- Visa: Visa Secure
Payer authentication can be used to satisfy the Strong Customer Authentication (SCA)
requirement of the Payment Services Directive (PSD2). SCA applies to the European
Economic Area (EEA) and the United Kingdom. SCA requires banks to perform additional
checks when customers make payments to confirm their identity.
Related Information
- See the Payer Authentication Developer Guide for more information about payer authentication.
- See Payer Authentication Processing for information about how to process payments with payer authentication.
Relaxed Requirements for Address Data and Expiration Date in Payment Transactions
With relaxed requirements for address data and the expiration date, not all standard
payment request fields are required. It is your responsibility to determine whether your
account is enabled to use this feature and which fields are required.
Related Information
- See Relaxed Requirements for Address Data and Expiration Date in Payment Transactions for information about how to process payments with relaxed requirements for address data and expiration date.
Token Management Service
The
Token Management Service
(TMS
) enables you to replace personally
identifiable information (PII), such as the primary account numbers (PANs), with
unique tokens. These tokens do not include the PII data, but act as a placeholder
for the personal information that would otherwise need to be shared. By using
tokens, businesses can provide a secure payment experience, reduce the risk of
fraud, and comply with industry consumer security regulations such as PCI-DSS.TMS
links tokens across service providers, payment types, and channels
for sellers, acquirers, and technology partners. TMS
tokenizes, securely stores, and manages the primary account number (PAN), the
payment card expiration date, electronic check
details,
and customer data. TMS
also enables you
to create a network token of a customer's payment card.IMPORTANT
Due to mandates from the Reserve
Bank of India, Indian merchants cannot store PANs. Use network tokenization instead.
You can manage sensitive data securely by
creating, retrieving, updating, and deleting tokens through the TMS API.
TMS
simplifies your PCI DSS compliance. TMS
passes tokens
back to you that represent this data. You then store these tokens in your
environment and databases instead of storing customer payment
details.TMS
protects sensitive payment information through tokenization and
secures and manages customer data using these token types:- Customer tokens
- Instrument identifier tokens
- Payment instrument tokens
- Shipping address tokens
TMS
tokens can be used individually, or they can
be associated with one customer token:Figure:
TMS
Token Types
Related Information
- See thefor more information about theToken Management ServiceDeveloper GuideTMS.
- See Token Management Service Processing for information that shows you how to process payments using theTMS.
Visa Bill Payments
Visa provides a Bill Payment program that enables customers to use their Visa cards to
pay their bills. When you participate in this program, Visa requests that you flag the
bill payments and credits so they can be easily identified.
The bill payment indicator is accepted no matter which processor you are using, do not use this indicator if you have not signed up with Visa to participate in the program.
IMPORTANT
This feature is not the same as the Visa Consumer Bill Payment Service.
Supported Services
You can process Visa Bill Payments using these services:
- Authorization
- Credit
Fields Specific to this Use Case
Authorization:
include this field in a standard authorization when processing
a Visa Bill Payment: - processingInformation.authorizationOptions.billPayment
Credit:
include this field in a standard credit when processing a Visa Bill
Payment: Endpoints
Authorization:
Production:
POST
https://api.cybersource.com
/pts/v2/paymentsTest:
POST
https://apitest.cybersource.com
/pts/v2/paymentsCredit:
Production:
POST
https://api.cybersource.com
/pts/v2/credits/Test:
POST
https://apitest.cybersource.com
/pts/v2/credits/Requirement
Before you process Visa Bill Payments, you must sign up with Visa to participate in the program.
Related Information
- See Visa Bill Payments Processing for information that shows you how to process Visa Bill Payment transactions.
Visa Consumer Bill Payments
The Visa Consumer Bill Payment Service (CBPS) is an optional service that enables you to
provide bill payment services to consumers using a Visa card. Cardholders can pay one or
more of their bills in one transaction using a third-party intermediary rather than
paying each bill separately. When you request a Visa CBPS authorization, you must
include the
processingInformation.businessApplicationId
field set to
CB
and the
.processingInformation.authorizationOptions.billPayment
field set to true
IMPORTANT
This feature is not the same as Visa Bill Payments.
Supported Service
You can process Visa Consumer Bill Payments using the authorization service.
Requirements
IMPORTANT
As a Visa CBPS provider you must comply with all Visa rules. For the Visa CBPS rules,
see Rule ID# 0030635 of the Visa Rules "Acquirer Responsibilities Related to
Consumer Bill Payment Service Providers" at visa-rules-public.pdf.
Before you process Visa CBPS payments, you must:
- Contact your acquirer to register your account for the Visa Consumer Bill Pay Service.
- ContactCybersourcecustomer support to have your account configured for this feature.
Related Information
- See Visa Consumer Bill Payment Processing for a instructions that show you how to process a Visa Consumer Bill Payment.