Search documentation:
	Help  Advanced
Published 05/15/2002

Chapter 4

Credit Card Services

This chapter explains how to use CyberSource Credit Card services with MS CS2000.

This chapter contains the following sections:

• Authorize Card
• Bill Card
• Refund Card
• Credit Card Services Limitations

Authorize Card

Authorize Card authorizes a credit card purchase from the cardholder's bank.

Authorize Card performs the following tasks:

• Calculates the total amount for an order by totaling the cost of each offer in the order.
• Requests credit card authorization from the issuing bank for the total amount.
• Places a temporary hold against the customer's credit card for the total amount of the order. Most authorizations expire within five to seven days, but the card-issuing bank determines the length of the authorization.

Before using Authorize Card, you must do the following:

• Establish a merchant account with your company's bank.
• Provide the identifying numbers for your bank account.

For example, FDMS requires both merchant identification numbers (MID) and terminal identification numbers (TID), while Paymentech requires the division number.

Using the Authorize Card Service

1. Using the pipeline editor, open the checkout.pcf file for your store.
2. Add CyberSource CS2000 Component in the payment stage.
3. Double-click the CyberSource CS2000 Component, then select Authorize Card from the Available Services list.
4. Double-click any service.

The CyberSource Component Properties window open, as shown in Figure 2.

5. Click the Shopper tab. Check BillAddress2 to allow additional space for the billing address.

Credit card data is read directly from mscsOrderForm by MSCS 2000 and cannot be changed.

Note  Notify customers on your Web order form to enter their billing address. For the Authorize Card service, banks require the customer's billing address, not the shipping address.

Card Verification Value

The card verification value is a number that is printed, not embossed, on the back of a credit card. This number is never transferred during card swipes (magnetic or physical) and should only be known by the cardholder. Using this field offers an added level of security against potentially fraudulent transactions.

For more information on card verification value, see the ICS2 Developer's Guide, available at the CyberSource Small Business Support Center Web site.

Smart Authorization

Smart Authorization is an enhanced payment service with built-in risk checks that protect against the acceptance of high risk orders. Use Smart Authorization if you want to identify highly risky orders without complicated setup or monitoring. If a request is declined, Smart Authorization tells you which factors of the request appear risky.

To use Smart Authorization, contact your CyberSource Customer Support Representative and request Smart Authorization. CyberSource will take care of the configuration requirements. Include the same fields in your request that you would send for a regular Authorize Card request. If the optional shipping request-level fields are supplied in the request, then Smart Authorization additionally screens the shipping data for risk.

If a Smart Authorization request fails the risk checks, a DCARDREFUSED reply flag is returned, which is the same code returned if the bank declines the request. Smart Authorization also returns risk factor codes, which explain whether the decline is from the processing bank or any of the CyberSource risk screens, in the auth_factor_code reply field.

For more information, see the ICS2 Developer's Guide and the Smart Authorization Planning Guide, available on the CyberSource Small Business Support Center Web site.

Authorize Card Fields

The following table lists the offer-level fields for the Authorize Card.

Table 2 Offer-Level Fields for Authorize Card. 

Field Name	Description	Required/Optional
Amount	Per-item price of the product.	Required
Quantity	Number of units of the product being purchased.	Optional
Tax Amount	Tax amount associated with this item.	Optional

Reply Fields

Reply fields returned by the Authorize Card service are written to the mscsOrderForm object.

For a list of reply codes for card authorization, see the ICS2 Developer's Guide, available in the CyberSource Small Business Support Center Web site.

Reply Flags

Reply flag provide information to display an appropriate response to your customer.

For a list of reply flags that are returned by the Authorize Card service, see the ICS2 Developer's Guide. For information on how to translate these error message, see Appendix A, "CyberSource Message Manager".

Bill Card

Bill Card settles a credit card account for an order. Bill Card also confirms the temporary hold placed on credit card funds after Authorize Card authorizes a transaction. If you use CyberSource to authorize the credit card, you usually use CyberSource to bill the credit card.

Credit card association rules specify that you can bill for an order only after you fulfill the order. Based upon the type of goods that you sell, you must apply Bill Card at one of the following order points:

• Order placement — for products that are delivered electronically, or for instant access to a subscriber-only Web site.
• Product shipment — for products that are shipped physically, where there might be a delay between the customer's order date and the ship date.

Your Bill Card request must use the same currency as your request for Authorize Card.

An authorization might expire before you request Bill Card, since there is a delay between credit authorization and actual billing. If the authorization expires, your bank or processor may require you to resubmit the authorization request, with a request to Bill Card in the same message.

Using the Bill Card Service

1. Open the checkout.pcf file for your store.
2. Add CyberSource Component for CS2000 in the Payment stage.
3. Double-click the CyberSource Component for CS2000.

The CyberSource Component Properties window opens, as shown in Figure 2.

4. On the CyberSource Commerce Component tab, select Bill Card in the Available Services list, then click the check mark button to move Bill Card to the Selected Services list.
5. Double-click Bill Card to open the CyberSource Component Properties window, then click the Payment-General tab.

The Payment-General tab appears.

6. Specify field names that correspond to order form object fields, where values are stored.
7. If you want the CCC to use the result from Authorize Card to bill the credit card, select the Auth Request ID Filled by Authorize Card check box.

Important  When testing Bill Card, using the CyberSource test server, all amounts between $1,001.00 and $4,000.00 (USD) will automatically fail. This only occurs against the test server to allow you to test declines. All amounts up to $99,999.99 are valid against the production server.

Merchant Descriptor

Merchant Descriptor allows you to dynamically submit a unique merchant descriptor and toll free support number with each transaction. The descriptor and toll free number will transcend through the transaction and be posted on the cardholder's statement. You can use this feature to subdivide their site into multiple departments, each with a unique description and customer support telephone number, making it easier for the customer to identify transactions to a specific department.

For more information, see the ICS2 Developer's Guide, available in the CyberSource Small Business Support Center Web site.

Verbal Authorization

If an issuing bank questions a transaction you request, the issuing bank may request that you call the payment processor. In this case, Bill Card returns a DCALL rflag. After calling the bank or processor, you will usually receive a verbal authorization for the transaction and will want to settle it.

Verbal authorization allows you to settle verbally-authorized transactions by including the optional verbal auth code field in your Bill Card request.

For more information, see the ICS2 Developer's Guide.

Bill Card Fields

The following tables list the request-level and offer-level fields for the Bill Card.

Table 3 Request-Level Fields for Bill Card. 

Field Name	Description	Required/Optional
Auth Request ID Filled by Authorize Card	Authorization identification number. If Authorize Card and Bill Card are requested simultaneously, select this field to use the result of Authorize Card to bill the credit card. If Authorize Card is not requested at the same time as Bill Card, this field must contain the request_id from a prior call to Authorize Card.	Required (optional if Authorize Card and Bill Card are requested at the same time)
Auth Type	If the order contains a verbally authorized transaction, the value of this field must be "verbal".	Optional
Card Verification	Card verification value.	Optional
Ignore Bad Card Verification Value	When Authorize Card and Bill Card are combined, the server will not fail the transaction when a bad CVV value is entered.	Optional
Merchant Descriptor	The merchant descriptor that appears on the cardholder's statement. Symbols are allowed.	Optional
Merchant Descriptor Contact	The merchant `s contact information (for example, a phone number) shown on the cardholder's statement. Use one of the following formats: ACCCCCCCCCCCC NNN-NNN-NNNN NNN-NNN-NUUU NNN-NNN-UUUU NNN-UUUUUUU where: N: Numeric A: Alpha C: Character (Alpha or Blank) U: Alphanumeric (Alpha or Numeric) Do not use more than one consecutive space. Extra spaces will be removed.	Optional
User PO	This field is not supported for CyberSource Small Business customers.	Not applicable
Verbal Auth Code	Verbal Authorization code.	Optional

Table 4 Offer-Level Fields for Bill Card. 

Field Name	Description	Required/Optional
Order total	Select one of the following: Order total: Send one total for the entire order. This field is only used when the Bill Card is being run without Authorize Card. Send the total thru lineitem offers (see below).	Required
Send the total thru lineitem offers	The total amount billed is the sum of the lineitem offer amounts and the shipping and handling offer amount.	Required

Reply Fields

The Bill Card service returns reply fields written to the mscsOrderForm object.

For a list of reply codes for Bill Card, see the ICS2 Developer's Guide, available in the CyberSource Small Business Support Center.

Reply Flags

For a list of reply flags that are returned by the Bill Card service, see the ICS2 Developer's Guide. For information on how to translate these error message, see Appendix A, "CyberSource Message Manager".

Refund Card

Use the Refund Card service to issue a refund to a customer's credit card account after an adjustment, a return, or a voided order.

Warning  Carefully control access to this application to prevent unauthorized credits. Do not request this application directly from your customer interface. Instead, require that the customer contact your customer service organization and incorporate this application as part of your customer service process.

Using the Refund Card Service

1. Open the pipeline for your store's Refund Card service.
2. Add CyberSource Component for CS2000 in the Payment stage.
3. Double-click CyberSource Component for CS2000.

The CyberSource Component Properties windows opens, as shown in Figure 2.

4. On the CyberSource Commerce Component tab, select Refund Card in the Available Services list, then click the check mark button to move Refund Card to the Selected Services list.
5. Double-click Refund Card to open the CyberSource Component Properties window, then click the Payment-General tab.

The Payment-General tab appears.

6. In the Bill Card area, specify field names that correspond to order form object fields where values are stored.
7. In the Refund Card area, get the Bill Request ID value from your database.
8. Click OK.

Refund Card Fields

The following table lists the offer-Level fields for Refund Card.

Table 5 Offer-Level Field for Refund Card

Field Name	Description	Required/Optional
Bill Request ID	The billing identification number. When you bill through CyberSource, this is the request_id value returned from the Bill Card service.	Required

Reply Fields

The Refund Card service returns reply fields written to the mscsOrderForm object.

For a list of reply codes for Refund Card, see the ICS2 Developer's Guide, available in the CyberSource Small Business Support Center.

Reply Flags

For a list of reply flags that are returned by the Refund Card service, see the ICS2 Developer's Guide. For information on how to translate these error message, see Appendix A, "CyberSource Message Manager".

Credit Card Services Limitations

The main credit card service limitation is that two payment services cannot be run simultaneously. The pipeline component will not allow you to have more than one payment service set as a "selected service".

If you need to include both Authorize Card and Bill Card in the same request, you have two options:

• Configure one service to be the default, and make the other service a "dynamic configuration."
• Create two separate purchase pipelines, and verify that only the appropriate pipeline gets run for each transaction.

Dynamic Configuration

1. In the pipeline editor, double-click the CyberSource Component for CS2000.
2. On the CyberSource Commerce Component tab, select a service from the Available Services list.

Select a service you desire to be your statically selected service.

3. Click the check mark button to move your selected service to the Selected Service list.
4. Double-click the service the service to view its properties.
5. Click the General tab.
6. In the Dynamic Service Configuration area, select Allow selected services to be set dynamically. Verify that the service(s) listed is the one you want to overwrite the statically configured services.

The service string must contain a single, trailing comma, and no spaces between the service names and the commas.

Example  Specifying two dynamic services

mscsOrderForm.[_dyn_services] = "Authorize Card,Bill Card,"

Be sure to configure compatible service combinations.

The service names can be used for dynamic configuration:

• Authorize Card
• BIll Card
• Refund Card

Example  Dynamic service string

mscsOrderForm.[_dyn_services] = "Authorize Card,"

For a complete overview of Payment Services, including credit card processing, see the ICS2 Developer's Guide, available on the CyberSource Small Business Support Center.