Payment Cards

Process debit, credit, and closed-loop gift cards across the globe and across multiple channels with unparalleled scalability and security. The CyberSource payment gateway supports an extensive list of payment cards and offers a wide choice of gateways and acquiring banks, all through One connection.

Features

  • Universal card types include Visa, MasterCard, American Express, Diners, and JCB
  • Regional cards include Maestro, Carte Bancaire, CartaSi, Aura, Hipercard, and ATM/debit cards
  • Support for PIN-less debit and Chinese debit cards
  • Choice of bank and processor connections in over 190 countries
  • Exceptional real-time processing speed
  • Single report links transaction history, chargebacks, and funding to the actual transaction

Benefits

  • Process transactions all the time, anytime, regardless of peaks in order volume
  • Change and add gateway and acquirer connections as business needs evolve
  • Add and drop card types as needed with ease
  • Add fraud management, payment security, and other solutions as needed

This diagram illustrates how real-time, electronic credit card processing works using CyberSource Payment Services.

How Credit Card Payment Processing Works

STEP 1

Purchaser places order.

STEP 2

Merchant securely transfers order information to CyberSource over the Internet. CyberSource receives order information and performs requested services.

STEP 3

CyberSource formats the transaction detail appropriately and securely routes the transaction authorisation request through its payment gateway to the processor.

STEP 4

The transaction is then routed to the issuing bank (purchaser's bank) to request transaction authorisation.

STEP 5

The transaction is authorised or declined by the issuing bank or card (Discover, American Express).

STEP 6

CyberSource returns the message to the merchant.

STEP 7

Issuing bank approves transfer of money to acquiring bank.

STEP 8

The acquiring bank credits the merchant's account.

Implementation Guides

Airline Processing Using the Simple Order API
   Supplement to Credit Card Services Using the Simple Order API
Airline Processing Using the SCMP API
   Supplement to Credit Card Services Using the SCMP API
AliPay Domestic Services Using the Simple Order API
AliPay Domestic Services Using the SCMP API
AliPay International Services Using the Simple Order API
AliPay International Services Using the SCMP API
China Processing Implementation Guide
Credit Card Services Using the Simple Order API
Credit Card Services Using the SCMP API
Korean Cyber Payments (KCP) Services Using the Simple Order API
Korean Cyber Payments (KCP) Services Using the SCMP API
Level II and Level III Processing Using the Simple Order API
   Supplement to Credit Card Services Using the Simple Order API
Level II and Level III Processing Using the SCMP API
   Supplement to Credit Card Services Using the SCMP API
Multicurrency Service for Chase Paymentech Solutions Using the Simple Order API
   Supplement to Credit Card Services Using the Simple Order API
Multicurrency Service for Chase Paymentech Solutions Using the SCMP API
   Supplement to Credit Card Services Using the SCMP API
PINless Debit Card Services Using the Simple Order API
PINless Debit Card Services Using the SCMP API
Card-Present POS Processing Using the Simple Order API
   Supplement to Credit Card Services Using the Simple Order API
Card-Present POS Processing Using the SCMP API
   Supplement to Credit Card Services Using the SCMP API
Service Fee Processing Using the Simple Order API
   Supplement to Credit Card Services Using the Simple Order API and
   Electronic Check Services Using the Simple Order API
Service Fee Processing Using the SCMP API
   Supplement to Credit Card Services Using the SCMP API and
   Electronic Check Services Using the SCMP API