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Overview of CyberSource payment gateway integration

Zuora

Overview of CyberSource payment gateway integration

Zuora supports the following CyberSource gateway integration versions:

  • CyberSource, Payment API v2.0 
  • CyberSource Enterprise Gateway, API v1.97
  • CyberSource Enterprise Gateway, API v1.28
  • CyberSource Tokenization

This article describes supported features and limitations for CyberSource v2.0, v1.97 and v1.28 integrations. CyberSource Tokenization is a legacy gateway integration no longer under active development. For details about it, see CyberSource Tokenization.

For enhanced feature support, it is recommended to use CyberSource v2.0 integration or migrate to CyberSource v2.0 integration from CyberSource v1.97 or v1.28.

If multiple instances of CyberSource v1.28, CyberSource v1.97, or CyberSource v2.0 are active at the same time, all certificates must be valid or payments may fail if an expired certificate is used.

Supported features

The following table provides a quick reference for the supported features. For details about each feature, see the later sections in this article.

Feature CyberSource, Payment API v2.0 CyberSource Enterprise Gateway, API V1.97 CyberSource Enterprise Gateway, API V1.28
Supported payment methods
  • Credit Card/Gift Card/Prepaid Card
  • Debit Cards
  • Credit Card Reference Transactions (Tokenization)
  • Apple Pay
  • ACH - Direct Debit Only
  • SEPA
  • BACS
  • Credit Card/Gift Card/Prepaid Card
  • Debit Cards
  • ACH - Direct Debit Only
  • Credit Card/Gift Card/Prepaid Card
  • Debit Cards
  • ACH - Direct Debit Only
Support 3D Secure 2.0 Yes No No
Support Delayed Capture Yes Yes Yes
Support Level 2 and Level 3 card data Yes No No
Support stored credential transactions Yes No No
Support Gateway Options fields Yes No No
Gateway provider’s API version

CyberSource WSDL version 1.192

CyberSource Simple Order APIs

CyberSource WSDL version 1.97

CyberSource Simple Order APIs

CyberSource WSDL version 1.28 

CyberSource Simple Order APIs

CyberSource production endpoint used for Zuora gateway integration service https://ics2wsa.ic3.com/commerce/1.x/transactionProcessor
Support Gateway Reconciliation Yes No No
CyberSource production endpoint used for Gateway Reconciliation service

https://api.cybersource.com

https://api.cybersource.com/reporting/v3/report-downloads

https://api.cybersource.com/reporting/v3/reports

   
Support Payment Method Updater Yes (Visa, MasterCard)
CyberSource production endpoint used for PMU service

https://ebc.cybersource.com/ebc/DownloadReport

https://api.cybersource.com

Support non-referenced refunds

Yes

Supported for both Credit Cards and Credit Card Reference payment methods

Yes

Supported for Credit Cards

Yes

Supported for Credit Cards

Ignore AVS result when verifying card Yes No No
Ignore AVS result during payment with card Yes No No
Select gateway endpoint Yes No No
Support one-time payment flow through Payment Pages 2.0 Yes No No

Supported payment methods

The following table lists the supported payment methods for each CyberSource integration version:

  CyberSource, Payment API v2.0  CyberSource Enterprise Gateway, API V1.97 CyberSource Enterprise Gateway, API V1.28
Supported Payment Methods
  • ACH - Direct Debit Only
  • Apple Pay
  • BACS
  • Credit Card/Gift Card/Prepaid Card, including:
    • Visa
    • MasterCard
    • American Express
    • Discover
    • JCB
    • Diners Club
    • Hipercard
    • Elo
    • China Union Pay
  • Credit Card Reference Transactions (Tokenization)
  • Debit Cards
  • SEPA
  • ACH - Direct Debit Only
  • Credit Card/Gift Card/Prepaid Card, including:
    • Visa
    • MasterCard
    • American Express
    • Discover
  • Debit Cards
  • ACH - Direct Debit Only
  • Credit Card/Gift Card/Prepaid Card, including:
    • Visa
    • MasterCard
    • American Express
    • Discover
  • Debit Cards
Mandate creation

Not Supported

After you create a mandate outside of Zuora, you can pass the mandate information to Zuora for verification through the UI or API when creating or updating the payment method.

Not Supported

Not Supported

For more information about setting up payment methods in Zuora, see Define and set up payment methods.

Support for Apple Pay

CyberSource, Payment API v2.0 provides support for Apple Pay. The following credit card types are supported by this gateway integration to create Apple Pay payment method and process Apple Pay payments:

  • VISA
  • Mastercard
  • American Express
  • Discover

For more information about setting up Apple Pay on CyberSource, see Apple Pay on Web. The creation of Apple Pay payment methods is only supported through the Create an Apple Pay payment method API operation. For more information about creating stored credential profiles when creating Apple Pay payment methods, see Create payment methods through API or UI with stored credential profiles.

Support for Credit Card Reference Transactions

CyberSource, Payment API v2.0 supports CyberSource tokens. Tokens are used for credit card reference transactions in Zuora. A reference transaction is simply a representation of a credit card payment method without having sensitive payment method information like the credit card number stored in Zuora. The token cannot be used with another gateway, which is why Zuora recommends storing credit card information in Zuora whenever possible.

For tokenized payment methods, you must validate them in Zuora so that payments made with these payment methods are successful. To validate tokenized payment methods, enable the following settings on the CyberSource v2.0 gateway configuration page:

  • Verify new payment method
  • Verify updated payment method

Support for 3D Secure 2.0

CyberSource, Payment API v2.0 supports 3D Secure 2.0 (3DS2) feature. The following articles provide more information:

Support for Delayed Capture

The Delayed Capture feature allows you to authorize the availability of funds for a transaction but delay the capture of funds until a later time through the following API operations:

CyberSource, Payment API v2.0 supports Delayed Capture for both Credit Cards and Credit Card Reference payment methods. Most authorizations will automatically expire within 5 to 7 days if not captured.

CyberSource Enterprise Gateway, API V1.97 and CyberSource Enterprise Gateway, API V1.28 supports Delayed Capture for Credit Cards.

Zuora also supports capturing authorizations that were generated externally to call the Zuora's Create authorization API operation. 

Support for Level 2 and Level 3 card data

CyberSource, Payment API v2.0 supports processing Level 2 and Level 3 credit card data. For more information, see the following articles:

Support for stored credential profiles

CyberSource, Payment API v2.0 includes support for the Stored Credential Transactions framework. For details about the supported payment methods, see Support for stored credential transactions overview. It supports stored credential transactions for the following payment processors only:

  • AIBMS
  • CyberSource through VisaNet
  • Elavon Americas
  • FDC Compass
  • FDC Nashville Global
  • GPN
  • OmniPay Direct
  • Rede

Support for Gateway Reconciliation

This feature is only available for CyberSource, Payment API v2.0. The following Gateway Reconciliation events are supported:

Payment Method Supported GR events
Credit Cards
  • Settlement
  • Chargeback
  • Rejection
ACH
  • Settlement
  • Rejection
SEPA
  • Settlement
  • Rejection

Note that the generated Gateway Reconciliation reports available to you are dependent on the processor you use. See Supported processors for CyberSource Gateway Reconciliation for more information.

Support for Payment Method Updater

You can configure CyberSource Payment Method Updater to keep Zuora and you informed about the changes to the Visa and MasterCard credit card information. For more information, see Configure CyberSource Payment Method Updater.

Supported Gateway Options fields

You can submit additional information to CyberSource by using Gateway Options fields. For details about the fields supported by CyberSource, Payment API v2.0, see Gateway Options fields supported by CyberSource, Payment API v2.0.