API Overview

Payments Developer Guide
- Recent Revisions to This Document

Introduction to Payments
- Financial Institutions and Payment Networks
- Card Types
- Transaction Types
- Payment Services
- Payment Features
- Testing the Payment Services

Standard Payment Processing
- Additional Resources for Processing Payments
- Basic Authorizations
- Authorizations with Line Items
- Authorizations with Payment Network Tokens
- Authorizations with a Card Verification Number
- Zero Amount Authorizations
- Pre-Authorizations
- Final Authorization Indicator
- Least-Cost Routing Processing
- Authorization Reversals
- Sales
- Captures
- Multiple Partial Captures
- Refunds
- Credits
- Voids

Debit and Prepaid Card Processing
- Additional Resources for Debit and Prepaid Payments
- Processing Debit and Prepaid Authorizations
- Enabling Debit and Prepaid Partial Authorizations
- Disabling Debit and Prepaid Partial Authorizations

Payer Authentication Processing
- Additional Resources for Payer Authentication
- Providing Payer Authentication Information for Authorization
- American Express SafeKey
- Discover/Diners ProtectBuy
- Mastercard Identity Check
- Visa Secure

Relaxed Requirements for Address Data and Expiration Date in Payment Transactions
- Requirements
- Services
- Relaxed Fields

Processing Payments Using Credentials
- Additional Resources for Credentialed Transactions
- Customer-Initiated Transactions with Credentials on File
- Installment Payments
- Recurring Payments
- Mastercard Standing Order Payments
- Mastercard Subscription Payments
- Unscheduled COF Payments

Token Management Service Processing
- Additional Resources for TMS
- Authorizing a Payment with a Customer Token
- Authorizing a Payment with a Non-Default Shipping Address
- Authorizing a Payment with a Non-Default Payment Instrument
- Authorizing a Payment with a Payment Instrument
- Authorize a Payment with an Instrument Identifier
- Authorize a Payment While Ignoring Network Token
- Authorizing a Payment with a Legacy Token
- Making a Credit with a Customer Token
- Making a Credit with a Non-Default Payment Instrument
- Making a Credit with a Payment Instrument
- Making a Credit with an Instrument Identifier
- Making a Credit with a Legacy Token

Visa Consumer Bill Payment Processing
- Required Fields for Processing a Visa Consumer Bill Payment Service Authorization
- REST Example: Processing a Visa Consumer Bill Payment Service Authorization

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

.

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.

Contact Cybersource customer 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.