API Overview

Payments Developer Guide
- Recent Revisions to This Document
- VISA Platform Connect: Specifications and Conditions for Resellers/Partners

Debit and Prepaid Card Processing
- Processing Debit and Prepaid Authorizations
- Enabling Debit and Prepaid Partial Authorizations
- Disabling Debit and Prepaid Partial Authorizations

Japanese Payment Options Processing
- Authorize a Single Payment with Japanese Payment Options
- Authorize a Bonus Payment with Japanese Payment Options
- Authorize an Installment Payment with Japanese Payment Options
- Authorize a Revolving Payment with Japanese Payment Options
- Authorize a Combination Payment with Japanese Payment Options

Mastercard Processing
- Mastercard Bill Payment Processing
- Mastercard Expert Monitoring Solutions Processing

Payer Authentication Processing
- Providing Payer Authentication Information for Authorization
- American Express SafeKey
- JCB J/Secure
- Mastercard Identity Check
- Visa Secure

Relaxed Requirements for Address Data and Expiration Date in a Payment

Split Shipments Processing
- Authorizing a Sale for a Product Not Yet Available
- Processing Two Authorizations and a Capture for Multiple Products
- Processing an Authorization and Two Captures for Multiple Products

On This Page

Refund and Credit Workflow

This workflow applies to follow-on credits, also known as refunds, and stand-alone credits. It begins when you send a request for a refund or credit.

Refunds and credits do not happen in real time. All of the credit requests for a day are typically placed in a file and sent to the processor as a single batch
transaction. In most cases, the batch transaction is settled overnight.

The merchant sends the refund or credit request to Cybersource.

For online refunds and credits, Cybersource validates the order information then sends the request to the payment processor.

For offline refunds and credits, Cybersource stores the request in a batch file and sends the batch file to the payment processor after midnight.

The processor validates the request and forwards it to the acquiring bank.

The acquiring bank transfers funds to the issuing bank.

IMPORTANT

Not all processors support stand-alone credits.

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