Contents

Documentation Changes and Enhancements

Chapter 1

Payment Types

Types of Processing

Types of Risk

Types of Payments

Bank Transfers

Direct Debits

Bank Cards

Compliance

Merchant Account Descriptor Requirements

Excessive Credit Card Chargebacks or Excessive Direct Debit Returned Items

Merchant Remittance Funding

Dormant Accounts and Closed Accounts

Summary

Chapter 2

Business Implementation

Countries and Currencies

Selecting Countries

Selecting Currencies

Planning Your Business Implementation

Contacting Your Account Representative

Providing Company Information

Signing the Merchant Agreement

Setting Up a Reserve Account

Opening Your CyberSource Account and Completing the Intake Process

Closing Your CyberSource Account

Chapter 3

Operational Implementation

Difference Between Transactions and Events

Transaction Life Cycle

Overall Summary of the Transaction Life Cycle

Submitting the Transaction to CyberSource

Order Tracking

Forwarding the Transaction to the Processor

Knowing When to Fulfill the Order

Expected Payment Receipt Times

Exceptions That Can Occur

Funding

Request IDs and Request Tokens

Financial Reconciliation

CyberSource Processor: The Funding Statement

Global Collect Processor: Financial Reports

Order Reconciliation

Payment Submission Detail Report

Payment Events Report

Transaction Exception Detail Report

Payment Status Report

Chapter 4

Technical Implementation

Guidelines for Displaying Bank Information

Testing

Chapter 5

Bank Transfers and Bank Transfer Refunds

Bank Transfers

Flow of Identifiers for Order Tracking for Bank Transfers

Payment Confirmation and When to Ship the Goods

Operational Considerations

Web Site Modifications

Handling Missing Bank Transfer Payments

Bank Transfer Refunds

Types of Refunds

Requesting a Follow-on Refund

Flow of Identifiers for Order Tracking for Bank Transfer Refunds

Transaction Statuses

Reconciling a Refund

Chapter 6

Real-Time Bank Transfers

Benefits of Real-Time Bank Transfers

Customer Experience

Transaction Flow

Flow of Identifiers for Order Tracking

Payment Confirmation and When to Ship the Goods

Enrolling in the Service

Chapter 7

Boleto Bancário Payments

Overview of Boleto Bancário Processing

Requirements

Business Requirements

Web Site Requirements

Technical Requirements

Business Recommendations

Limitations

Information About Your Transactions

Reply Messages

Reports

Query for a Single Transaction

Transaction Details

Handling Abandoned Boletos Bancários

Handling Payment Discrepancies

Chapter 8

Direct Debits and Direct Debit Refunds

Direct Debits

Country-Specific Requirements

Flow of Identifiers for Order Tracking for Direct Debits

Payment Confirmation and When to Ship the Goods

Direct Debit Reversals

Operational Considerations

Web Site Modifications

Direct Debit Refunds

Types of Refunds

Requesting a Follow-on Refund

Flow of Identifiers for Order Tracking for Direct Debit Refunds

Transaction Statuses

Reconciling a Refund

Chapter 9

Direct Debits in the United Kingdom

Glossary

Initial Setup

Web Site Requirements

Direct Debit Logo

Direct Debit Guarantee

Web Site Flow

Handling Direct Debits

Summary of the Requirements

The Direct Debit Process

Mandates

Advanced Notification

Chapter 10

Bank Cards

Types of Bank Cards

Online and Offline Processing

Flow of Identifiers for Order Tracking for Online Bank Cards

Flow of Identifiers for Order Tracking for Offline Bank Cards

Payment Confirmation and When to Ship the Goods

Bank Card Refunds

Web Site Modifications

API for Bank Card Implementation

Appendix A

Codes for the Transaction Exception Detail Report

Appendix B

Researching a Missing Bank Transfer Payment

Index