Payment Cards

Process payment cards across the globe and across multiple channels with unparalleled 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.

Features & Benefits
How it Works
Support & Implementation
Resources

Features

Universal card types include Visa, MasterCard, American Express, Diners,
Discover 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, account updater and other solutions as needed

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

Previous Step | Next Step

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 authorization 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 authorization.

STEP 5

The transaction is authorized 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

Transact Card Payments Worldwide

Payment Cards

Features

Benefits

Implementation Guides

Featured Resources:

Whitepapers

Payment Acceptance Solutions Brochure

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