From seamless payment experiences to fraud management, Cybersource is a Visa solution for businesses to accept online payments worldwide.

 

Cybersource works with Google Pay and Apple Pay. Once enabled, the Cybersource payment gateway allows you to set up Apple Pay and Google Pay, giving your customers even more payment options on the cart and checkout pages.

 

Requirements

 

Setup

To set up Cybersource, go to Store Setup › Payments and select Cybersource from the list of Online Payment Methods.

Click Setup next to Cybersource

You will be taken to the Cybersource Settings tab. Click Sign up to create an account.

Click sign up to create an account

Once you connect to Cybersource, you will be returned to the Cybersource Settings page. Enter the credentials from your Cybersource account into their corresponding fields and set your preferences. Click Save when done.

  • Display Name — Control how the payment gateway appears at checkout. We recommend something like Credit/Debit.
  • Merchant ID — The merchant ID (such as 87654321) which you were given when you signed up with Cybersource.
  • Transaction Type — Select Authorize & Capture or Authorize Only. Authorize Only allows you to capture the funds manually. See Manually Capturing Transactions (Authorize Only) to learn more.
  • Test Mode — Determines whether your store is in Test Mode. Set to No (Recommended) when you are ready to take payments.
  • Require CVV (credit card security codes) — This option will require users to enter the CVV/CVV2/CVD code for their credit card during checkout. Enabling this option adds extra security on credit card transactions.
  • Enable 3D Secure — This option enables an additional security layer which helps to prevent unauthorized transactions. See 3D Secure for more information on this feature.
  • Enable Google Pay — This option allows shoppers to be able to pay using Google Pay on your storefront. See Connecting with Google Pay for more information.
  • Show the Card Element — This option allows you to display or hide the credit card field on the checkout. See Show Card Element for more information on this feature.

Cybersource settings tab

 

Stored Credit Cards

To enable Stored Credit Cards, you will need to contact CyberSource customer support and request Card Tokenization enabled on your Cybersource merchant account. Once this feature has been enabled, go to Cybersource Settings and select the checkbox for Enable stored credit cards with Cybersource. For additional security, you can require CVV for stored cards when customers check out.

Click to enable stored credit cards and to require CVV on stored cards.

 

3D Secure

Cybersource supports 3D Secure, a cardholder authentication service that deters unauthorized card use, and protects merchants from fraudulent activity and chargebacks. Cybersource uses 3D Secure 2 by default, and will fall back to 3DS1 in the event that the shopper’s bank does not support 3DS1.

To enable 3DS, you must contact your Cybersource Customer Representative to request 3DS to be enabled on your account for the desired card type, currencies, and acquiring bank. You will need to inform Cybersource that Cruise Direct API is your desired implementation method.

Once enabled on your Cybersource account, go to Cybersource Settings in BigCommerce and click Enable 3D Secure on storefront.

Enable the checkbox to enable 3D Secure.

 

Show Card Element

Some stores may want to only accept payments through Cybersource's alternative payment methods, such as Google Pay and Apple Pay, and not display credit card fields on the checkout.

To display credit cards on the checkout and accept card payments, enable the Show card element checkbox. To hide card fields, ensure that this checkbox is unchecked before saving your changes.

Toggle credit card visibility on the checkout

 

Using Bolt with Cybersource? To avoid duplicate fields, the built-in credit card feature is automatically disabled and replaced by Bolt's hosted credit card fields when you select Cybersource as the payment processor on your Bolt account. Credit card fields can be manually enabled if desired from Cybersource Settings in the BigCommerce control panel.

 

Fraud Management

Cybersource’s risk fraud management tool is called Decision Manager. It allows you to set up pre-authorisation rules to help reduce costs and improve authorisation rates by filtering out risky transactions on the checkout. Once enabled, you can tap into powerful data insights that allow you to see trends and optimize your fraud strategy.

Depending on the transaction type selected in Cybersource Settings and whether Decision Manager has flagged the transaction as potential fraud, new orders will display in the BigCommerce dashboard with certain payment and order statuses.

Authorize and Capture

When your Transaction Type is set to "Authorize & Capture" and the transaction is auto-accepted by Cybersource, the following will display on the order in BigCommerce:

  • Fraud Status of Approved
  • Payment Status of Captured
  • Order Status of Awaiting Fulfillment

When the transaction is auto-rejected by Cybersource, the shopper will see a decline message when attempting to checkout. The order will still be created in BigCommerce as an incomplete order, with an order status of Pending.

When the transaction is flagged as Review by Cybersource, the following will display on the order in BigCommerce:

  • Fraud Status of Verification Required
  • Payment Status of Capture Funds. This means the transaction has been authorized by Cybersource.
  • Order Status of Manual Verification Required

At this point, you can choose to either capture or void the transaction from within BigCommerce or your Cybersource dashboard.

USING THE BIGCOMMERCE DASHBOARD

To capture the transaction from within the BigCommerce control panel, manually update the order status from "Manual Verification Required" to "Awaiting Payment", then click Capture Funds. You do not need to accept the transaction within your Cybersource dashboard in order to do this.

To void the transaction from within the BigCommerce control panel, click Void.

USING THE CYBERSOURCE DASHBOARD

To capture the transaction from Cybersource, accept the transaction from within the Cybersource dashboard. You will need to update the order status manually in BigCommerce if you would like it to match the status of the transaction in Cybersource.

To void the transaction from Cybersource, decline the transaction from within the Cybersource dashboard. You will need to update the order status manually in BigCommerce if you would like it to match the status of the transaction in Cybersource.

Authorize-Only

When your Transaction Type is set to "Authorize-Only" and the transaction is auto-accepted by Cybersource, the following will display on the order in BigCommerce:

  • Fraud Status of Approved
  • Payment Status of Captured Funds. This means the transaction has been authorized by Cybersource, and it is available for capture.
  • Order Status of Awaiting Payment

When the transaction is auto-rejected by Cybersource, the shopper will see a decline message when attempting to checkout.

When the transaction is flagged as Review by Cybersource, the following will display on the order in BigCommerce:

  • Fraud Status of Verification Required
  • Payment Status of Capture Funds. This means the transaction has been authorized by Cybersource.
  • Order Status of Manual Verification Required

At this point, you can choose to either capture or void the transaction from within BigCommerce or your Cybersource dashboard.

USING THE BIGCOMMERCE DASHBOARD

To capture the transaction from within the BigCommerce control panel, manually update the order status from "Manual Verification Required" to "Awaiting Payment", then click Capture Funds. You do not need to accept the transaction within your Cybersource dashboard in order to do this.

To void the transaction from within the BigCommerce control panel, click Void.

USING THE CYBERSOURCE DASHBOARD

To capture the transaction from Cybersource, accept the transaction from within the Cybersource dashboard. You will need to update the order status manually in BigCommerce if you would like it to match the status of the transaction in Cybersource.

To void the transaction from Cybersource, decline the transaction from within the Cybersource dashboard. You will need to update the order status manually in BigCommerce if you would like it to match the status of the transaction in Cybersource.

 

Upgrading from Cybersource to Cybersource v2

If you are currently using Cybersource on BigCommerce and would like to upgrade to the latest version, you may do so by navigating to your Cybersource settings page.

After clicking Upgrade now, you will be prompted to connect to Cybersource. Save your Cybersource settings in BigCommerce once you have reconnected your Cybersource account.

Click Upgrade now to move to the V2 integration.

 

Using Cybersource’s secure store (legacy token storage)? It might take longer for your store to migrate, as Cybersource only supports TMS tokens within the V2 integration. After upgrading, shoppers will not be able to delete vaulted cards or vault more than one payment instrument for a period of two weeks.

 

Common Questions

General

Is the Cybersource integration responsive on checkout?

Yes, as part of the integration, the Cybersource component on the checkout is responsive to accommodate different devices, resolutions and screen sizes.

I have Cybersource enabled, but I'm not seeing credit cards as a payment option on the checkout.

Check your Cybersource settings to ensure that the Show card element checkbox is enabled.

Pricing and Fees

What fees are associated with Cybersource?

Fees will vary depending on your volume, time of contract, services in scope, and more. Please work with your Cybersource representative to assess your business needs.

Account Eligibility

What currencies and countries does Cybersource support?

Cybersource supports more than 190 countries and more than 150 currencies. To see if your region is supported, contact Cybersource Support.

What items are restricted for merchants to sell?

Cybersource restricts products based on general treaties, such as international arms. This is addressed through your contract with Cybersource and your acquirer during the Know Your Customer (KYC) process.

Transactions

After I create an account, what is the waiting period before I can process transactions?

The underwriting process for a new merchant account can be 2-3 weeks. Once the contract is signed, it is usually a 2-5 business day timeline to begin processing transactions.

How long until the funds are transferred to my bank?

Cybersource authorizes the transactions and sends a batch of cleared transactions to the merchant service provider at the end of each day. The merchant service provider will typically deposit the funds into the merchant treasury account within 24-48 hours, but it is recommended that merchants check with their merchant service provider on funding times.

Will I or my customers receive an additional email or invoice from Cybersource?

No, there are no additional emails or invoices.

Refunds

How soon after a transaction can I perform a refund?

Merchants can perform a refund after the transaction has settled, typically at the end of each business day. Merchants can void a transaction prior to the transaction being batched out and settled.

Is there an amount of time after which I cannot perform a refund?

Linked refunds are currently restricted to 180 days.

Are there any fees for chargebacks/refunds?

Yes. Cybersource will charge the same amount as they do for an authorization fee. The acquiring bank may have additional fees.

Additional Features

Are there any fraud filtering options available?

Yes. See Fraud Management for more information.

Does Cypersource support multi-currency?

Yes. Merchants are able to configure Cybersource in all supported transactional currencies.

Does Cybersource allow authorize-only or recurring/subscription payments?

Yes, Cybersource allows for both Authorize-Only and Authorize & Capture transaction types.

Cybersource also allows logged-in shoppers to securely store their credit card details so they are able to complete future purchases faster. Credit card details will be stored securely with Cybersource and associated with the billing address stored with the customer record on your store.

Troubleshooting and Payment Disputes

Why are some of my orders being "Authorized only", even when my Transaction Type is set to "Authorize & Capture"?

Cybersource has a specific case called Soft Declines. A soft decline occurs when a transaction has been authorized by a customer's card-issuing bank but is rejected by Cybersource due to a business rule setting. The authorization has been completed successfully, so at this point you may continue to process the sale by clicking Capture on the order in your BigCommerce control panel or reject the sale by clicking Void from within your BigCommerce control panel.

Why did my customer receive an error when trying to pay?

Response codes and error messages are discoverable through transaction response codes on Cybersource's Developer Center.

If all payment attempts are failing with the error message "General system failure" in the store logs, check your Cybersource settings to see if stored credit cards is enabled. This error can be caused when the "Enable stored credit cards with Cybersource" setting is enabled in the BigCommerce control panel, but not enabled on your Cybersource merchant account. To resolve this issue, disable the stored credit cards setting, or contact Cybersource customer support to enable Card Tokenization on your Cybersource merchant account to complete the setup process.

How are payment disputes handled?

Payment disputes are handled through the merchant service provider. The merchant account provider moves the authorized funds from the customer’s bank account into the merchant’s bank account. Therefore, they would be responsible for reconciling disputes.

How do I contact Cybersource's Support?

For signed accounts, contact Cybersource Customer Support at 1-800-709-7779.