The current RESTful APIs only support a limited set of CyberSource solutions. Stay tuned for the advanced payment options. For further information or to plan your production roll out, contact [email protected].
Before moving to production and running real transactions, you must have a merchant account from an acquiring (merchant) bank that can process the credit card payments. Some banks may not be familiar with Internet Commerce and could require more time to establish your account. The merchant bank account must be configured to process card not-present or mail order/telephone order (MOTO) transactions.
The following table lists the types of fees that can be charged:
|Discount Rates||Your acquiring bank charges a fee and collects a percentage of every transaction. A combination of fee and percentage is called the discount rate. These charges can be bundled (combined into a single charge) or unbundled (charged separately) depending on your acquiring bank and other factors.|
|Interchange Fees||Visa and MasterCard each have a base fee, called the interchange fee, for each type of transaction. Your acquiring bank and processor can explain how to minimize this fee.|
|Chargebacks||When customers dispute charges to their accounts, you can incur chargebacks. A chargeback occurs when a charge on a customer’s account is reversed. Your merchant bank removes the money from your account and could charge you a fee for the chargeback.|
The following table lists the regional availability for CyberSource Payments. To view availability of all products, refer to the Availability Matrix.
Available in entire region
Limited availability in region
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.
Get started by creating a project that utilizes the CyberSource Payments API. Once the project is created, you receive a Merchant Registration Confirmation email from CyberSource. Follow the email instructions to activate your admin account and to log in to the CyberSource Enterprise Business Center (EBC). Use the EBC to search for transactions, view reports and other administration tasks.
The CyberSource Payments API uses the following RESTful API concepts:
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.