API Overview

Payments Developer Guide
- Recent Revisions to This Document

Introduction to Payments
- Financial Institutions and Payment Networks
  - Merchant Financial Institutions (Acquirers)
  - Customer Financial Institutions (Issuers)
  - Payment Networks
  - Payment Processors
- Card Types
- Transaction Types
  - Card-Not-Present Transactions
- Payment Services
  - Sales
    - Sales with 3-D Secure
  - Credits
    - Credit Workflow
- Testing the Payment Services
  - Requirements for Testing
  - Test Card Numbers

Standard Payment Processing
- Account Verification Request
  - Required Fields for Processing an Account Verification Request
  - REST Example: Processing an Account Verification Request
- Sale
  - Required Fields for Processing a Sale
  - Additional Required Fields for Specific Sales Transactions
  - REST Example: Processing a Sale
  - REST Example: Sale with Unbundled 3-D Secure
- Sale Bundled with Payer Authentication Enroll Service
  - REST Example: Processing a Sale with Payer Authetication Enroll Service
- Sale Bundled with Payer Authentication Validate Service
  - REST Example: Processing a Sale with Bundled Payer Authentication Validate Service
- Follow-On Refunds
  - Required Fields for Processing a Follow-On Refund
  - REST Example: Processing a Refund
- Stand-Alone Credits
  - Required Fields for Processing a Credit
  - REST Example: Processing a Credit
- Void for a Sale or Stand-Alone Credit Transaction
  - Required Fields for Voiding a Sale
  - REST Example: Voiding a Sale or Stand-Alone Credit Transaction
- Timeout Void for a Sale or a Stand-Alone Credit Transaction
  - Required Fields for a Time-Out Void for a Capture, Sale, Refund, or Credit
  - REST Example: Time-Out Void for a Sale or Stand-Alone Credit or Refund

Introduction to Payments

This introduction provides the basic information that you need to successfully process payment transactions. It also provides an overview of the payments industry and provides workflows for each process.

With Cybersource payment services, you can process payment cards (tokenized or non-tokenized), digital payments such as Apple Pay and Google Pay, and customer ID transactions. You can process payments across the globe and across multiple channels with scalability and security. Cybersource supports a large number of payment cards and offers a wide choice of gateways and financial institutions, all through one connection.

Visit the Cybersource documentation hub to find additional processor-specific versions of this guide and additional technical documentation.

`eftpos` Australia

eftpos is Australia’s domestic debit card payments network.

eftpos primarily offers co-badged dual network debit cards with international networks like Visa and Mastercard. These dual network debit cards can be used to make transactions through eftpos or the Visa/Mastercard networks.

eftpos also has proprietary single network debit cards that are used only for card present transactions.