Payment Services Directive Requirements:
Beginning September 14, 2019, European banks may decline payments which do not meet PSD2 requirements. To comply with PSD2, install and configure the official CyberSource payment integration extension from Magento Marketplace. 3D Secure 2.0 verification is available through CardinalCommerce. To learn more, see 3D Secure 2.0 changes in our Dev blog.
CyberSource was one of the pioneers in the early online payment industry, and later acquired Authorize.Net. Today, CyberSource is a wholly-owned subsidiary of Visa Inc. Over 400,000 businesses worldwide use CyberSource to process online payments, streamline fraud management, and to simplify payment security. The company is based in Foster City, California, and has offices throughout Asia, Europe, Latin America, the Middle East, Africa, and the United States.
CyberSource supports shipments to multiple addresses as part of the checkout flow. The order is duplicated for each address that the customer wants to ship to.
Step 1: Get Your CyberSource Credentials
Sign up for a CyberSource merchant account, and get your credentials.
Step 2: Enable CyberSource
Set Enabled to “Yes.”
Accept the Default Payment action of “Authorized Only,” which approves the purchase and puts a hold on the funds. The amount is not withdrawn from the customer’s bank account until the sale is “captured” by the merchant.
Enter a Title to identify CyberSource during checkout.
Step 3: Enter Your CyberSource Credentials
Enter the following credentials from your CyberSource account:
- Merchant ID
- Profile ID
- Transaction Key
- Access Key
- Secret Key
Your CyberSource Credentials
Step 4: Complete the Payment Information
Set New Order Status to one of the following order status settings:
- Suspected Fraud
To run CyberSource in a test environment before going live, set Test Mode to “Yes.”
When you are ready to go live with CyberSource, set Test Mode to “No.”
If you want the system to save a log file of interactions between your store and CyberSource, set Debug to “Yes.”
Set Credit Card Types to each card that you accept as payment. To choose multiple credit cards, hold down the Ctrl key and click each option.
Credit Card Types
Step 5: Complete the Remaining Information
Set Payment from Applicable Countries to one of the following:
All Allowed Countries Customers from all countries specified in your store configuration can use this payment method. Specific Countries After choosing this option, the Payment from Specific Countries list appears. Hold down the Ctrl key and select each country in the list where customers can make purchases from your store.
To set limits on the total amount that is allowed for any order, enter the Minimum Order Total and Maximum Order Total.
In the Sort Order field, enter a number to determine the sequence in which CyberSource appears when listed with other payment methods during checkout.
When complete, tap Save Config.