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Cybersource Integration

Cybersource Hero

Cybersource, a Visa-owned payment gateway, enables secure online payments and fraud management. When integrated with Finix, Cybersource acts as the gateway layer, routing transactions to acquiring banks and card networks. Merchants can retain their existing checkout solutions while leveraging Finix’s merchant onboarding, payout features, and dashboard.

You can create a Cybersource integration using the Finix Dashboard or API.

Benefits of Cybersource

Using Cybersource with Finix offers several advantages, especially for merchants who want to keep their current checkout provider like Shopify or route transactions to multiple gateways:

  • Visa fraud management: Access Cybersource’s advanced fraud management tools.
  • Global support: Accept a wide range of international cards.
  • Separation of concerns:
    • Finix manages merchant onboarding and payouts, and provides access to its dashboard and API.
    • Cybersource handles gateway routing to Visa, Mastercard, American Express, and Discover.

How the Integration Works

Overview

In this integration model, each platform serves a distinct function:

  • Finix acts as the payment infrastructure layer, providing the API interface, managing merchant onboarding to Cybersource, capturing payment authorizations, and handling all payout operations.
  • Cybersource functions as the payment gateway and fraud management layer, processing transactions and providing security controls.

Settlements and Funding

Settlement and merchant funding are handled exclusively by Finix, not Cybersource. All settlement reports and payout information are available through the Finix dashboard.

Prerequisites

To enable Cybersource for a Finix merchant, create a Gateway Integration after the merchant is successfully onboarded.

Creating a Cybersource Integration using the Dashboard

You can create a Cybersource integration using the Finix Dashboard. To do so:

  1. On the dashboard, click Merchant Accounts. Select the merchant to enable Cybersource, then click the Integrations tab.

    Cybersource Merchant Integrations

  2. Information about the merchant’s Cybersource integration status is displayed here. It will say “Not Connected” if Cybersource is not enabled. Click Set Up on the Cybersource card.

    Cybersource Set Up

  3. You will be prompted to enter an email address.

    • To have the Cybersource invitation sent to a different email than the one listed on the merchant's Identity › email, you can enter the desired email here. Otherwise, the invitation will be sent to the pre-populated address.
    • Click Next to send the email invitation to set up your Cybersource dashboard and retrieve your production Transacting ID. See Invitation Email for next steps.
    Cybersource Email

  4. Click Done to activate Cybersource as a Gateway Integration and return to the Finix Dashboard.

Setting Up Cybersource

After the Gateway Integration is created, Cybersource sends an email invitation.

You will be prompted to confirm the Organization ID from your invitation email and email address. Click Submit to continue the onboarding process.

Cybersource Sign Up

This email allows the merchant to:

  • Activate their Cybersource account.
  • Create login credentials.
  • Access the CyberSource dashboard.
  • Obtain a Transacting ID to create transactions.

Accept the invitation within 24 hours. If it expires, contact Finix Support to request a new invitation from Cybersource.

Invitation Expiration

Not accepting the Cybersource email invitation will cause onboarding delays.

Locating Cybersource Transactions

Once Cybersource is enabled, transactions processed through Cybersource can be viewed in two locations:

  • Finix: Transfers are visible via the Finix API and dashboard.
  • Cybersource: Transactions are visible in the Cybersource dashboard.

Transaction identifiers can be used to reconcile records between Finix and Cybersource. Cybersource allows end users to view transactions only after 24 hours from their creation.

Locating Cybersource Transactions in the Finix Dashboard

To check if a transaction was processed by Cybersource, open the Finix Dashboard, go to Transactions, click Payments, and select the transaction.

There are two ways to confirm the transaction was processed by Cybersource:

Option 1: Checking the Integration Field

Check the Integration field in the Payment Details section. If Cybersource processed the transaction, the field will display Cybersource.

Cybersource Integration Field

Option 2: Checking the External Trace ID

Check the External Trace ID field in the Payment Details section to see if the transaction was processed by Cybersource. To do so:

  1. Next to the payment ID, hover over the External Trace ID.

    • This reveals the External Trace ID.
    • The ID will end with CYB if processed by Cybersource.
    Cybersource External Trace ID

Locating Transactions in Cybersource Dashboard

In order to locate a transaction in the Cybersource dashboard, you must first copy the Cybersource transaction's external_trace_id from the Finix Dashboard.

1. Copy the External Trace ID from the Finix Dashboard

  1. If you are on the payment details page of a Cybersource payment in the Finix Dashboard, skip to the next step. Otherwise, open the Finix Dashboard, go to Transactions › Payments, and select the transaction.

  2. Click View API Response to view the payment's API response.

    View API Response

  3. Copy the external_trace_id value from the API response.

    Cybersource External Trace ID API Response

2. Locate the Transaction in the Cybersource Dashboard

  1. Expand Transaction Management in the left-hand menu.

  2. In the Quick Search form field, input the External Trace ID copied from the Finix Dashboard and update the Date Range accordingly.

  3. Click Search to view the transaction details.

    Cybersource Quick Search

Creating a Cybersource Integration using the API

In addition to the Dashboard method, you can also create a Cybersource integration using the Finix API.

1. Create a Gateway Integration

After onboarding a merchant, create a Gateway Integration to send an onboarding request to Cybersource. Provide the email address to receive the Cybersource dashboard invitation, which allows you to retrieve your Cybersource transacting credentials.

curl -i -X POST \
  -u USfdccsr1Z5iVbXDyYt7hjZZ:313636f3-fac2-45a7-bff7-a334b93e7bda \
  https://finix.sandbox-payments-api.com/gateway_integrations \
  -H 'Content-Type: application/json' \
  -H 'Finix-Version: 2022-02-01' \
  -d '{
    "linked_to": "MUeg77opgdgQpwejzC9wCNmK",
    "type": "CYBERSOURCE",
    "email": "michael@finix.com",
    "tags": {
      "gateway_name": "shopify"
    }
  }'

A successful request returns a 201 Created status code, with the response body containing the newly created Gateway Integration resource with a state: PENDING:

Gateway Integration
{
  "id": "gateway_integration_TBamsYxqr1KSnT4U2x9SP",
  "created_at": "2024-08-16T13:11:36.72Z",
  "updated_at": "2024-08-16T13:11:36.72Z",
  "application_id": "APgPDQrLD52TYvqazjHJJchM",
  "linked_to": "MUeg77opgdgQpwejzC9wCNmK",
  "linked_type": "MERCHANT",
  "email": "michael@finix.com",
  "state": "PENDING", 
  "type": "CYBERSOURCE",
  "tags": {
    "gateway_name": "shopify"
  },
  "_links": {
    "self": {
      "href": "https://api.sandbox-finix.com/v1/gateway_integrations/gateway_integration_TBamsYxqr1KSnT4U2x9SP"
    }
  }
}

The Gateway Integration remains in a pending state (i.e., Gateway Integration › state is PENDING) until Cybersource approves the Merchant, after which the state changes to SUCCEEDED.

If there are issues with the onboarding request, the state changes to FAILED, and Finix Support will contact you to update any required information.

Finix will send a webhook event and update the dashboard whenever the state changes.

2. Accept the Cybersource Email Invitation

After the Gateway Integration is created, Cybersource sends an email invitation to the address provided in the request. See Cybersource Email Invitation for next steps.