Introduction to the Credit Card Services
Cards and Payment Methods
The credit card services can be used to process the types of cards and payment methods in the following table.
CyberSource can accept payments made with numerous types of credit cards, including Visa®, MasterCard®, American Express®, Discover®, Diners Club®, and JCB®.
Discover Acquisitions and Alliances
Discover has acquired or entered into alliances with the card associations shown in the following table.
For some card types on some processors, the information in your CyberSource account must include processor-issued IDs for these transactions to be processed successfully. Call CyberSource Customer Support to update your account information.
As a result of these acquisitions and alliances, the following card types are processed on the Discover Network:
Types of Transactions
Card-Present Transactions
When a customer uses a card that is physically present to make a purchase, the purchase is known as a card-present transaction. This type of transaction typically occurs in a retail point-of-sale (POS) environment. To process card-present transactions:
Card-Not-Present Transactions
When a customer provides a card number but you do not have access to the physical card, the purchase is known as a card-not-present transaction. This type of transaction typically occurs over the Internet or through a call center. To process card-not-present transactions, use the credit card services described in this guide.
Card-not-present transactions pose an additional level of risk to your business because you cannot directly verify the customer’s identification. CyberSource offers features, such as Address Verification System (AVS) and Card Verification Numbers (CVN), in the credit card services that can reduce that risk by checking the validity of the customer’s information and notifying you when discrepancies occur. For descriptions of AVS and CVN, see Authorization Features.
Transactions with Special Data
The credit card services can process these types of special data:
International Transactions
Accepting payments from a country other than your own requires that you observe the processing rules and practices of the payment systems in that country. The following table describes areas of compliance that have particular focus.
Merchant Remittance Funding
In conjunction with processing international transactions, you can request that CyberSource convert transaction proceeds to a currency other than the currency in which the transaction took place for funding into an operating account. Currency conversion uses a foreign exchange rate to calculate how much the transaction currency is worth in terms of the funding currency. The foreign exchange rate might be explicitly stated as a rate or implicitly stated as a transaction amount, and a funded amount and can vary from day to day. The foreign exchange rate might also include a mark-up for the foreign exchange risk, sales commissions, and handling costs.
Banks and Associations
In this document, the word processor can refer to a processor, acquirer, or acquiring processor depending on your location.
Acquiring (Merchant) Banks
An acquiring, or merchant, bank offers accounts to businesses that accept credit card payments. Before you can accept payments, you must have a merchant bank account from an acquiring bank. Your merchant bank account must be configured to process card-not-present or mail order/telephone order (MOTO) transactions.
Expect to be charged the fees shown in the following table.
Table 5
Your acquiring bank will charge a fee and collect a percentage of every transaction. The combination of the fee and the 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.
You are responsible for maintaining:
The items in the preceding list are required to prevent an excessive number of credit card chargebacks. In the event that credit card chargebacks become excessive, CyberSource can require you to undertake business process changes to reduce chargebacks. If the chargebacks are not reduced to a satisfactory level, CyberSource can terminate your account.
If you receive a large number of chargebacks or if a large number of your transactions involve fraud, your acquiring bank might increase your discount rate or revoke your merchant bank account. Contact CyberSource for information about CyberSource products that can help prevent fraud.
Issuing (Consumer) Banks
An issuing, or consumer, bank provides credit cards to and underwrites lines of credit for consumers. The issuing bank provides monthly statements and collects payments. Issuing banks must follow the rules of the credit card associations to which they belong.
Credit Card Associations
Credit card associations manage communications between acquiring banks and issuing banks. They also develop industry standards, support their brands, and establish fees for acquiring banks.
Some credit card associations, such as Visa and MasterCard, are trade associations that do not issue cards. Instead, issuing banks are members of these associations and they issue cards under license from the associations.
Other card companies, such as Discover and American Express, act as the issuing banks for their own cards. Before you use CyberSource to process cards from these companies, you must sign agreements with the companies.
The credit card services are:
Void: See Voiding a Capture or Credit. This service is not restricted to the credit card services; it can also be used for other payment methods.
You can also request an authorization and capture together. See Performing a Sale.
Order Tracking
See Getting Started with CyberSource Advanced for information about order tracking. This section provides the names of the API fields that are used for order tracking for the credit card services.
Request IDs
For all CyberSource services, the request ID is returned in the reply messages in requestID. The following table lists the field names for the request IDs in request messages.
Reconciliation IDs
The following table lists the field names for the reconciliation IDs, which are returned in the reply messages.
The CCS (CAFIS) processor does not support the reconciliation ID for any services.
Payment Processors
In this document, the word processor can refer to processors, acquirers, or acquiring processors depending on your location.
Payment processors connect CyberSource servers with acquiring banks. Before you can accept payments, you must register with a payment processor. Your acquiring bank might require you to use a payment processor with which the bank has a business relationship.
CyberSource does not necessarily support all the features that are offered by each processor. This guide describes the payment processing features supported by CyberSource. The beginning of each feature description specifies which payment processors support the feature.
Your processor will provide you with unique identification numbers for your account. You must provide these identification numbers to CyberSource Customer Support.
The following table lists the processors and corresponding card types that CyberSource supports for the credit card services.
See CyberSource through VisaNet Acquirers for the list of acquirers that are supported for CyberSource through VisaNet.