On This Page

Payment Method Configuration

You must configure at least one payment method before you can activate a profile.
A payment method selection page is displayed as part of the checkout process for any of these scenarios:
  • Multiple payment methods are enabled for the profile, and no
    payment_method
     field is included in the request.
  • payment_method
    =
    visacheckout
     is included in the request.
  • Visa Click to Pay
     is the only enabled payment method for the profile. See Enabling the Payment Method for Visa Click to Pay.
Visa Click to Pay uses Visa Checkout services and API fields.
You can skip displaying the payment method selection page by specifying card
or echeck
as the only available payment method. .
Customers can change the payment method during the checkout process.

Adding Card Types and Currencies

For each card type you choose, you can also manage currencies
and payer authentication options
. Choose only the types of payment cards and currencies that your merchant account provider authorizes.
The card verification number (CVN) is a three- or four-digit number that helps ensure that the customer possess the card at the time of the transaction.
Secure Acceptance does not process transactions for cards that do not have a card verification number (CVN) and expiration date. Most China UnionPay debit and credit cards issued before 2016 do not have a CVN and expiration date. You must decide whether you will require the CVN.
  1. In the left navigation panel, choose
    Payment Configuration >
    Secure Acceptance
     Settings
    . The
    Secure Acceptance
     Settings page appears.
  2. Choose a profile. The General Settings page appears.
  3. Click
    Payment Settings
    . The Payment Settings page appears.
  4. Click
    Add Card Types
    . The list of card types appear.
  5. Check each card type that you want to offer to the customer as a payment method. Your payment processor must support the card types.
  6. Click the settings icon for each card type. The card settings and currencies lists appear.
  7. Check
    CVN Display
     to display the CVN field on
    Secure Acceptance
    . The customer decides whether to enter the CVN.
    Cybersource
     recommends that you display the CVN to reduce fraud.
  8. Check
    CVN Required
    . The CVN Display option must also be checked. If this option is checked, the customer is required to enter the CVN.
    Cybersource
     recommends that you require the CVN to reduce fraud.
  9. Check
    Payer Authentication
    .
  10. Check the currencies for each card.

    ADDITIONAL INFORMATION

    By default, all currencies are listed as disabled. You must select at least one currency. Contact your merchant account provider for a list of supported currencies. If you select the Elo or Hipercard card type, only the Brazilian real currency is supported.
  11. Click
    Submit
    . The card types are added as an accepted payment type.
  12. Click
    Save
    .

Payer Authentication
 Configuration

Payer Authentication
 is the
Cybersource
 implementation of 3-D Secure. It prevents unauthorized card use and provides added protection from fraudulent chargeback activity.
Secure Acceptance
 supports 3-D Secure 1.0 and 2.0.
Before you can use Payer Authentication, you must contact Customer Support to configure your account. Your merchant ID must be enabled for payer authentication. For more information about payer authentication, see the
Payer Authentication Developer Guides
.
For
Secure Acceptance
,
Cybersource
 supports these kinds of payer authentication:
  • American Express SafeKey
  • China UnionPay (3-D Secure 2.0 only)
  • Diners ProtectBuy
  • J/Secure by JCB
  • Mastercard Identity Check
  • Visa Secure
For each transaction, you receive detailed information in the replies and in the transaction details page of
the
Business Center
. You can store this information for 12 months.
Cybersource
 recommends that you store the payer authentication data because you can be required to display this information as enrollment verification for any payer authentication transaction that you present again because of a chargeback.
Your merchant account provider can require that you provide all data in human-readable format.
The language used on each payer authentication page is determined by your issuing bank and overrides the locale you have specified. If you use the test card numbers for testing purposes the default language used on the payer authentication page is English and overrides the locale you have specified. See Test and View Transactions.

Configuring Payer Authentication

  1. In the left navigation panel, choose
    Payment Configuration >
    Secure Acceptance
     Settings
    . The
    Secure Acceptance
     Settings page appears.
  2. Choose a profile. The General Settings page appears.
  3. Click
    Payment Settings
    . The Payment Settings page appears.
  4. Choose a 3-D Secure version. If you choose 3‑D Secure 2.0 and the card issuer is not 3‑D Secure 2.0 ready, some transactions might still authenticate over 3‑D Secure 1.0. The
    payer_authentication_specification_version
     response field indicates which version was used.
  5. Click
    Save
    . The card types that support payer authentication are:
    • American Express
    • Cartes Bancaires
    • China UnionPay
    • Diners Club
    • JCB
    • Mastercard
    • Maestro (UK Domestic or International)
    • Visa

Enabling Automatic Authorization Reversals

For transactions that fail to return an address verification system (AVS) or a card verification number (CVN) match, you can enable
Secure Acceptance
 to perform an automatic authorization reversal. An automatic reversal releases the reserved funds held against a customer's card.
  1. In the left navigation panel, choose
    Payment Configuration >
    Secure Acceptance
     Settings
    . The
    Secure Acceptance
     Settings page appears.
  2. Choose a profile. The General Settings page appears.
  3. Click
    Payment Settings
    . The Payment Settings page appears.
  4. Check
    Fails AVS check
    . Authorization is automatically reversed on a transaction that fails an AVS check.
  5. Check
    Fails CVN check
    . Authorization is automatically reversed on a transaction that fails a CVN check.
  6. Click
    Save
    .

    ADDITIONAL INFORMATION

    When the AVS and CVN options are disabled and the transaction fails an AVS or CVN check, the customer is notified that the transaction was accepted. You are notified to review the transaction details. See Types of Notifications.

Enabling ACH Payments

An ACH payment is a payment made directly from your customer's U.S. or Canadian bank account. As part of the checkout process, you must display a terms and conditions statement for ACH transactions.
A customer must accept the terms and conditions before submitting an order. Within the terms and conditions statement it is recommended that you include a link to the table of returned item fees. The table lists by state the amount that your customer has to pay when a check is returned.
  1. In the left navigation panel, choose
    Payment Configuration >
    Secure Acceptance
     Settings
    . The
    Secure Acceptance
     Settings page appears.
  2. Choose a profile. The General Settings page appears.
  3. Click
    Payment Settings
    . The Payment Settings page appears.
  4. Check
    Enable Echeck Payments
    . The list of account types appears.
  5. Check the account type(s):
    • Checking
    • Savings
    • Corporate Checking
    • General Ledger
  6. Click
    Add Currencies
    . The ACH settings page appears.
  7. Check
    Select All
     or check each currency.
  8. Click
    Save
    .

RESULT

You must configure the ACH information fields. See Configuring ACH Information Fields.

Visa Click to Pay
 Configuration

You must enroll in
Visa Click to Pay
 and create a
Visa Click to Pay
 profile before you can enable it as a payment method.
See
Visa Click to Pay
 (PDF | HTML).
 Only the authorization and sale transaction types are supported for
Visa Click to Pay
 transactions.
Visa Click to Pay uses Visa Checkout services and API fields.
The payment methods selection page is displayed as part of the checkout process for these scenarios:
  • Multiple payment methods are enabled for the profile, and no
    payment_method
     field is included in the request.
  • Visa Click to Pay
     is the only enabled payment method for the profile.
  • payment_method
    =
    visacheckout
     is included in the request.
Visa Click to Pay
 requires the customer to enter only a username and password to pay for goods. It eliminates the need to enter account, shipping, and billing information. The customer logs in to their
Visa Click to Pay
 account and chooses the card with which they would like to pay. If the
Secure Acceptance
 profile is enabled to request the payer authentication service for a specific card type, the customer is redirected to the relevant payer authentication screen before
Secure Acceptance
 processes the transaction and redirects the customer to your website.

Configuring
Visa Click to Pay

  1. In the left navigation panel, choose
    Payment Configuration > Digital Payment Solutions
    . The Digital Payment Solutions page appears.
  2. Click
    Configure
    . The Visa Merchant Services Agreement appears.
  3. Review the
    Visa Click to Pay
     Services Agreement, then click
    Agree and Create Account
    . The
    Visa Click to Pay
     Configuration panel opens to the Merchant Configuration section.
  4. Enter your payment details.
  5. Click
    Submit
    .

Enabling the Payment Method for
Visa Click to Pay

  1. In the left navigation panel, choose
    Payment Configuration >
    Secure Acceptance
     Settings
    . The
    Secure Acceptance
     Settings page appears.
  2. Choose a profile. The General Settings page appears.
  3. Click
    Payment Settings
    . The Payment Settings page appears.
  4. Check
    Enable
    Visa Click to Pay
    .
  5. Enter the name of the
    Visa Click to Pay
     profile to be used. If no profile name is entered, the default
    Visa Click to Pay
     profile is used.
  6. Check the card types to request the payer authentication service for:
    • Visa—the Visa Secure service is requested.
    • Mastercard—the Mastercard Identity Check service is requested.
    • American Express—the American Express SafeKey service is requested.

    ADDITIONAL INFORMATION

  7. Indicate when to reject transactions based on a certain criterion:
    • Billing address details are incorrect (AVS fail).
    • Security code is incorrect (CVV/CVN fail).
    • The
      Visa Click to Pay
       risk score is above your specified score. Select the risk score to use with your fraud model. A value of 0 indicates that a risk score will not be taken into account, and a higher risk score indicates a higher perceived fraud risk.
  8. Click
    Save
    .

Enabling PayPal Express Checkout

PayPal Express Checkout is not supported on a
Secure Acceptance
 iframe integration.
Contact
Cybersource
 Customer Support to have your account configured for this feature. You must also create a PayPal business account.
See
Add the PayPal Express Checkout payment method to the
Hosted Checkout Integration
 payment methods selection page. Redirect the customer to their PayPal account login. When logged in to their PayPal account they can review orders and edit shipping or payment details before completing transactions.
The payment methods selection page is displayed as part of the checkout process when multiple payment methods are enabled for the profile and no
payment_method
 field is included in the request. If you include
payment_method=
paypal
 in the request, the payment methods selection page is not displayed, and the customer is redirected to PayPal.
  1. In the left navigation panel, choose
    Payment Configuration >
    Secure Acceptance
     Settings
    . The
    Secure Acceptance
     Settings page appears.
  2. Choose a profile. The General Settings page appears.
  3. Click
    Payment Settings
    . The Payment Settings page appears.
  4. Check
    Enable PayPal Express Checkout
    .
  5. Check
    Allow customers to select or edit their shipping address within PayPal
     to allow customers to edit the shipping address details that they provided in the transaction request to
    Secure Acceptance
    . Customers select a new address or edit the address when they are logged in to their PayPal account.
  6. When the transaction type is authorization, check one of these options:
    • Request a PayPal authorization and include the authorization response values in the response
      —check this option to create and authorize the PayPal order.
      The customer funds are not captured using this option. You must request a PayPal capture; see the PayPal guide. If the transaction type is
      sale
      ,
      Secure Acceptance
       authorizes and captures the customer funds.
    • Request a PayPal order setup and include the order setup response values in the response
      —check this option to create the PayPal order.
      The customer funds are not authorized or captured using this option. You must request a PayPal authorization followed by a PayPal capture request; see the PayPal guide. If the transaction type is
      sale
      ,
      Secure Acceptance
       authorizes and captures the customer funds.
  7. Click
    Save
    .