Best Practices | CyberSource.com
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Best Practices

CyberSource has collected practical operating advice based upon the integration experiences of our customer base. Within this section, you will find useful pieces of information which will facilitate the design and development of your site. Please be sure to contact the Implementation Support team for additional suggestions based upon your business rules.

Information on how to identify the credit card type based on the numeric range and based on the length of the credit card number.

This page provides information about identifying a credit card type from a card number's numeric range and number of digits.

 

American Express

Valid length: 15 digits. First digit must be a 3 and second digit must be a 4 or 7. 

 

Diners Club and Carte Blanche

Valid length: 14 digits. 

First digit must be 3 and second digit must be 0, 6, 8 or 9. The ranges are:

300000 through 305999

309500 through 309599

360000 through 369999

380000 through 399999

 

Discover

Valid length: 16 digits.

First 6 digits must be in one of the following ranges:

601100 through 601109

601120 through 601149

601174

601177 through 601179

601186 through 601199

644000 through 659999

 

enRoute

Valid length: 15 digits. First four digits must be 2014 or 2149.

 

JCB

Valid length: 16 to 19 digits.

First 4 digits must be in the range 3528 through 3589. 

 

MasterCard

Valid length: 16 digits.

First digit must be 5 and second digit must be in the range 1 through 5 inclusive. The range is 510000 through 559999.

First digit must be 2 and second digit must be in the range 2 through 7 inclusive. The range is 222100 through 272099.

 

Maestro

Valid length: Up to 19 digits.

First digit must be 5 or 6. The ranges are:

50nnnn

56nnnn through 64nnnn

66nnnn through 69nnnn

Note: The range 60nnnn to 64nnnn is also used by Discover (see above). 

 

Visa

Valid length: Up to 19 digits. First digit must be a 4. 

Outlines the steps you can take to avoid chargebacks. Also provides links to Visa and Mastercard website to learn more about chargebacks.

Chargeback Best Practices

 

To minimize business disruption and consumer dissatisfaction, CyberSource recommends that merchants consider some or all of the best practices for handling outages.

CyberSource recognizes that service disruptions can greatly impact your business, and for that reason, we continue to invest in redundant, fault-tolerant systems to minimize service disruptions. Unfortunately, despite our efforts, CyberSource service disruptions do occasionally occur. In addition, bank processors sometimes experience outages that are entirely out of CyberSource's control. When these disruptions occur, they can hamper your ability to complete sales in a timely fashion. To capture these sales and ensure customer satisfaction, CyberSource recommends that you consider implementing some or all of the following best practices.

 

1. Accepting orders during the outage period

Consider adding logic to your systems to accept some or all orders during service disruptions. These transactions can be marked as "pending" within your system and retained internally until the disruption is over.

 

Once the outage period ends, you can submit the pended transactions to CyberSource to receive a credit card authorization. If the authorization is approved, your processing flow can proceed as normal. If the authorization is declined, contact impacted customers via e-mail or telephone to request another form of payment.

 

2. Selectively fulfill orders

If possible, you should delay shipping product until after systems come back online and you are able to authorize your customer's credit card. If this is not feasible for any reason, you can reduce your risk of loss by requesting CyberSource to run an Internet Fraud Screen score and/or a Delivery Address Verification look-up to help validate the consumer's identity. You can also use the dollar amount of transactions and the requested shipping priority as part of your criteria in their fulfillment decision.

If you sell digital goods online and don't have the luxury of delaying fulfillment until a later time, you should also consider these techniques to minimize your risk while providing a high quality customer experience.

 

3. Refer customers to your customer service telephone center

If it is not possible to accept orders and put them into pending status as described previously, consider displaying your customer service telephone number on your eCommerce web site.

 

CyberSource Professional Services is available for consulting and/or implementation projects in this area. Please contact your Account Manager for more information.

 

We hope that these suggestions help you to successfully manage the problems associated with any service disruption. If you have any questions regarding these best practices, please don't hesitate to contact your Account Manager or CyberSource Merchant Support.

 

This self-checking scheme (referred to as the Luhn Mod-10 Method) is an international standard for validating credit card account numbers.

 

Check Digit Scheme

 

A check digit is a digit added to a number (either at the end or the beginning) that validates the authenticity of the number. A simple algorithm is applied to the other digits of the number which yields the check digit. Check Digit Scheme can be used when an end-user has entered in a credit card number and you want to validate it before sending it an authorization.

 

This self-checking scheme (referred to as the Luhn Mod-10 Method) is an international standard for validating card account numbers (ISO 2894/ANSI 4.13). Such account numbers, which cannot exceed 19 digits including the check digit, are assigned, embossed and encoded to include a single check digit in the rightmost position. The check digit is calculated as follows:

 

  1. Beginning on the right with the digit which immediately precedes the check digit and moving toward the left, double every other digit. After doubling each selected digit, if the result is ten or greater, add the two digits together to arrive at a single-digit result.
  2. Each individual resulting digit (plus those skipped above) are then added together.
  3. This sum is then subtracted from the lowest multiple of ten which is equal to or greater than the sum and the single-digit result is the check digit.

 

Example:

15-Digit Account Number 7951-0287-9015-54?