Creating a Checkout API Profile : Configuring Payment Methods
Configuring Payment Methods
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You must configure at least one payment method before you can activate a profile.
Adding a Card Type
For each card type you choose, you can also manage currencies and payer authentication options. Choose only the types of payment cards and currencies that your merchant account provider authorizes.
To add a card type:
Step 1
Click Payment Settings. The Payment Settings page appears.
Step 2
Click Add/Edit Card Types. The Add/Edit Card Types page appears.
Step 3
Check each card type that you want to offer to the customer as a payment method. Your payment processor must support the card types.
Step 4
Click Update.
Step 5
Click the pencil icon in the column for each card type. The Edit Card Settings page appears.
Step 6
Click Update. The card types are added as an accepted payment type.
Step 7
Click Save.
 
Enabling Payer Authentication
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Before you can use CyberSource Payer Authentication, you must contact CyberSource Customer Support to provide information about your company and your acquiring bank so that CyberSource can configure your account. Your merchant ID must be enabled for payer authentication. For more information about payer authentication, see Payer Authentication Using the SCMP API (PDF | HTML) and Payer Authentication Using the Simple Order API (PDF | HTML).
Payer authentication is the CyberSource implementation of 3D Secure. It deters unauthorized card use and provides added protection from fraudulent chargeback activity. Secure Acceptance supports 3D Secure 1.0 and 2.0.
For Secure Acceptance, CyberSource supports the following kinds of payer authentication:
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American Express SafeKey
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Mastercard Identity Check
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Visa Secure
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J/Secure by JCB
For each transaction, you receive detailed information in the replies and in the transaction details page of the Business Center. You can store this information for 12 months. CyberSource recommends that you store the payer authentication data because you can be required to display this information as enrollment verification for any payer authentication transaction that you re-present because of a chargeback.
Your merchant account provider can require that you provide all data in human-readable format.
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The language used on each payer authentication page is determined by your issuing bank and overrides the locale you have specified. If you use the test card numbers for testing purposes the default language used on the payer authentication page is English and overrides the locale you have specified. See Testing and Viewing Transactions.
To configure payer authentication:
Step 1
Click the pencil icon in the column for each card type. The Edit Card Settings page appears.
Step 2
Check Payer Authentication for each card type that you want to offer to the customer as a payment method. The card types that support payer authentication are:
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Amex
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Cartes Bancaires
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Diners Club
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Discover
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JCB
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Mastercard
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Maestro (UK Domestic or International)
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Visa
 
Step 3
Click Update.
Step 4
Choose the 3D Secure version that you want to use. If you choose 3D Secure 2.0 and the card issuer is not 3D Secure 2.0 ready, some transactions might still authenticate over 3D Secure 1.0. The payer_authentication_specification_version reply field indicates which version was used.
 
Adding a Currency
 
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By default, all currencies are listed as disabled. You must select at least one currency. Contact your merchant account provider for a list of supported currencies. If you select the Elo or Hipercard card type, only the Brazilian Real currency is supported.
To add a supported currency for each card type:
Step 1
Click the pencil icon in the column for each card type. The Edit Card Settings page appears.
Step 2
Click Select All or select a currency and use the arrow to move it from the Disabled list to the Enabled list.
Step 3
Click Update.
 
Enabling Automatic Authorization Reversals
For transactions that fail to return an Address Verification System (AVS) or a Card Verification Number (CVN) match, you can enable Secure Acceptance to perform an automatic authorization reversal. An automatic reversal releases the reserved funds held against a customer's card.
To enable automatic authorization reversals:
Step 1
Check Fails AVS check. Authorization is automatically reversed on a transaction that fails an AVS check.
Step 2
Check Fails CVN check. Authorization is automatically reversed on a transaction that fails a CVN check.
Step 3
Click Save.
 
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When the AVS and CVN options are disabled and the transaction fails an AVS or CVN check, the customer is notified that the transaction was accepted. You are notified to review the transaction details (see Types of Notifications).
 
 
 
Enabling Japanese Payment Options
Configure your profile to process Japanese transactions. For more information, see the request fields: jpo_payment_method (jpo_payment_method) and jpo_installments (jpo_installments).
To enable Japanese payment options:
Step 1
Check Enable Japanese Payment Options.
Step 2
Click Save.
 
Enabling eChecks
An eCheck is a payment made directly from your customer's U.S. or Canadian bank account. As part of the checkout process, you must display a terms and conditions statement for eChecks. For more information, see the TeleCheck Activation Guide, pages 8 and 9.
A customer must accept the terms and conditions before submitting an order. Within the terms and conditions statement it is recommended to include a link to the table of returned item fees. The table lists by state the amount that your customer has to pay when a check is returned.
To enable the eCheck payment method:
Step 1
Check eCheck payments enabled.
Step 2
Click the pencil icon in the currencies table. The Electronic Check Settings page appears.
Step 3
Click Select All or select a currency and use the arrow to move it from the Disabled list to the Enabled list.
Step 4
Click Update.
Step 5
Click Save.
 
Enabling PayPal Express Checkout
 
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PayPal Express Checkout is not supported on a Secure Acceptance iFrame integration.
Contact CyberSource Customer Support to have your CyberSource account configured for this feature. You must also create a PayPal business account; see PayPal Express Checkout Services Using the SCMP API (PDF | HTML) or PayPal Express Checkout Services Using the Simple Order API (PDF | HTML).
Add the PayPal Express Checkout payment method to your checkout page and redirect the customer to their PayPal account login. When logged in to their PayPal account they can review orders and edit shipping or payment details before completing transactions.
 
 
To enable the PayPal Express Checkout payment method:
Step 1
Check PayPal Express Checkout enabled.
Step 2
Allow customers to select or edit their shipping address within PayPal—check this option to allow customers to edit the shipping address details that they provided in the transaction request to Secure Acceptance. Customers select a new address or edit the address when they are logged in to their PayPal account.
Step 3
When the transaction type is authorization, check one of the following options:
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Request a PayPal authorization and include the authorization reply values in the response—check this option to create and authorize the PayPal order.
 
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The customer funds are not captured using this option. You must request a PayPal capture; see PayPal Express Checkout Services Using the SCMP API (PDF | HTML) or PayPal Express Checkout Services Using the Simple Order API (PDF | HTML). If the transaction type is sale, Secure Acceptance authorizes and captures the customer funds.
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Request a PayPal order setup and include the order setup reply values in the response—check this option to create the PayPal order.
 
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The customer funds are not authorized or captured using this option. You must request a PayPal authorization followed by a PayPal capture request; see PayPal Express Checkout Services Using the SCMP API (PDF | HTML) or PayPal Express Checkout Services Using the Simple Order API (PDF | HTML). If the transaction type is sale, Secure Acceptance authorizes and captures the customer funds.
Step 4
Click Save.
 
Enabling the Service Fee
 
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Contact CyberSource Customer Support to have your CyberSource account configured for this feature. Service fees are supported only if Wells Fargo is your acquiring bank and FDC Nashville Global is your payment processor.
The service fee setting applies to the card and eCheck payment methods. To apply the service fee to only one payment method, create two Secure Acceptance profiles with the appropriate payment methods enabled on each: one with the service fee feature enabled and one with the service fee feature disabled.
As part of the checkout process, you must display a terms and conditions statement for the service fee. A customer must accept the terms and conditions before submitting an order.
To enable the service fee:
Step 1
Check Service Fee applies on transactions using this profile. The service fee terms and conditions URL and the service fee amount are added to the customer review page.
 
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Step 2
Enter the Consent Page URL.
 
CyberSource POSTs the order information and the service fee amount to the consent page URL. The customer is directed from your checkout page to the consent page URL to accept or decline the service fee amount. See the Secure Acceptance Checkout API Service Fee Guide for detailed information.
Step 3
Click Save.
 
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After you save the profile you cannot disable the service fee functionality for that profile. All transactions using the profile will include the service fee amount.