Cybersource Payment Gateway logo

Cybersource Payment Gateway

by Visa · Since 1997
No reviews yet
ActiveAvailable globallyCloud
Quick facts
VendorVisa
Year launched1997
StatusActive
Location900 Metro Center Blvd, Foster City, CA 94404, US
Countries servedGlobal
Languages2
Integrations
Free tier
Free trial
Contact salesYES

About Cybersource Payment Gateway

Cybersource Payment Gateway is a payment processing platform from Visa that provides secure transaction processing. It combines fraud management tools, multi-currency support, and extensive reporting features so businesses can manage payments effectively. With customizable payment options, integration with other systems, and support for various payment methods, Cybersource helps organizations simplify their payment workflows. The platform is designed to support businesses of all sizes, ensuring compliance and security for online transactions. Key capabilities: fraud management tools multi-currency support reporting features customizable payment options integration with other systems Best for: businesses that need reliable and secure payment processing solutions.

Cybersource Payment Gateway is an enterprise-grade, global commerce solution backed by Visa. It stands out for its unparalleled security, reliability, and sheer global reach, supporting transactions in over 160 countries and 50 currencies through a single, unified integration. The platform's modular structure combines a powerful payment gateway with the industry-leading Decision Manager for sophisticated fraud prevention and the Token Management Service for simplified PCI compliance. Cybersource is the ideal choice for large and expanding enterprises seeking a robust, omnichannel platform that can seamlessly handle high-volume transactions and complex international commerce needs. While its custom pricing and technical depth may be overwhelming for small businesses, its advanced features deliver the scale, security, and payment flexibility required by global market leaders.

Pros & Cons

What users like
  • +The unified platform is built to handle all customer journeys
  • +It reduces the burden of PCI DSS compliance by vaulting sensitive card data off the merchant's systems.
  • +Helps businesses maximize revenue by reducing fraud and accepting more valid transactions.
  • +Leveraging Visa's global network and world-class security infrastructure
What users flag
  • The depth of features and modular nature to leverage its full capabilities requires significant setup and technical expertise.
  • The platform's extensive features and API-driven architecture can be complex and intimidating for small businesses
  • Pricing is custom and requires direct contact with sales

Features

Key features

Global Payment Acceptance
Allows merchants to accept a vast array of popular payment methods, including major credit/debit cards, eWallets, Buy Now, Pay Later options, and local bank transfers, across over 160 countries through a single API connection.
Decision Manager (Advanced Fraud Management)
An intelligent tool that screens transactions using hundreds of sophisticated detectors (e.g., biometrics, IP geolocation, behavioral data) to accurately identify and reduce fraudulent transactions while safely accepting more valid orders.
Token Management Service (TMS) / Payment Security
Replaces sensitive payment card data with secure, non-reversible tokens stored in Visa's data centers. This significantly reduces the merchant's Payment Card Industry Data Security Standard (PCI DSS) scope and risk exposure.
Unified Commerce Solutions
Provides a single platform and set of APIs to manage all payment types and channels—online, mobile, in-person, and call center—ensuring a seamless and consistent customer experience.
Global Acquirer & Processor Connections
Offers high flexibility and resilience by maintaining connections to over 200 acquiring banks and processors worldwide, allowing businesses to optimize transaction routing and rapidly scale into new markets.

Additional features

Mobile SDKs (iOS/Android)
Software development kits that provide simple, secure methods for integrating payment processing functionality directly into native mobile applications, while minimizing PCI scope.
Virtual Terminal
A web-based solution that allows merchants to manually process card payments remotely using any computer, typically for transactions taken over the phone or mail order, without requiring a physical card reader.
Subscription & Recurring Billing Support
Enables the automated management of recurring payments, including securely saving customer payment methods and handling billing logic for subscription services and installment plans.
ACH Check Transactions
Facilitates the acceptance and processing of electronic checks (eChecks) from U.S. and Canadian bank accounts as an alternative and often lower-cost payment method.
Secure Acceptance (Hosted Fields/Microform)
Integration options where Cybersource hosts the sensitive payment card fields (Microform) or the entire payment page, allowing the merchant to maintain control over the checkout experience while card data bypasses their servers.
Automatic Refunds & Voids
Allows for the full automation of refunding or voiding transactions directly from the merchant's internal system or commerce platform via API calls.
Level II and Level III Payments Support
Provides the capability to capture enhanced transaction data required for commercial (corporate or purchasing) cards, which helps B2B merchants qualify for lower interchange fees.
Payouts/Fund Disbursement
A feature that offers a fast, convenient, and secure way for businesses to disburse funds to customers, such as refunds or commissions, without relying on checks or standard ACH transfers.
Service Fee Calculation
Allows merchants to configure, calculate, and process a separate service fee amount within a credit card transaction, subject to network and regulatory rules.

Pricing

Free trial
Free version
Request a quote
Promo Offer

Countries & Languages

Global
Countries served
2
Interface languages
3
Billing currencies

Interface languages

EnglishSpanish

Billing currencies

🇺🇸USD🇪🇺EUR🇬🇧GBP

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