CyberSource Payments.

Process payments securely through CyberSource.

Visa continues to invest in our developer platforms, including bringing together and Cybersource developer content into a new portal. Please visit: for up to date information on Cybersource APIs.

available for use by

Acquirer Banks


Independent Developers

Regional Availability

View Details
  • N. America
  • Asia-Pacific
  • Europe
  • LAC


credit card purchasing on computer

Securely process payments across multiple channels

With CyberSource, you can process credit, debit and gift cards across the globe and across multiple channels with scalability and security. CyberSource supports an extensive list of payment cards and offers a wide choice of gateways and acquiring banks, all through one connection.

Key Features

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RESTful API Design.

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Smart Links Technology.

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Exceptional real-time processing speed.

Why Use It?

Global Payment Flexibility

Change and add gateway and acquirer connections as business needs evolve. Choice of bank and processor connections in over 190 countries.

Comprehensive Consolidated Reporting

Single report aggregates transaction history across card brands and processors, worldwide.


CyberSource is part of the Visa network.

How Does It Work?

  1. Purchaser places order.
  2. Merchant securely transfers order information to CyberSource, using the CyberSource Payments API.
  3. CyberSource formats the transaction detail appropriately and securely routes the transaction authorization request through its payment gateway to the processor.
  4. The transaction is then routed to the issuing bank (purchaser's bank) to request transaction authorization.
  5. The transaction is authorized or declined by the issuing bank or card (Discover, American Express).
  6. CyberSource returns the message to the merchant.
  7. Issuing bank approves transfer of money to acquiring bank.
  8. The acquiring bank credits the merchant's account.

APIs Included

CyberSource Payments

The CyberSource Payments API provides functionality for payment processing for authorization, capture, and settlement of card transactions, worldwide.

Secure Acceptance Flexible Token API

The Secure Acceptance Flexible Token API provides the most secure method for tokenizing card data and reduces your PCI DSS burden. Card data is encrypted on the customer’s device and sent directly to CyberSource, bypassing your systems altogether.

Related Content

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How Xendit Uses CyberSource Payment APIs

Xendit, a digital payment services provider, uses CyberSource Payments to tokenize sensitive card information for businesses using their payment services gateway.

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