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.
Merchants must use a Finix-issued Cybersource account. Existing Cybersource accounts cannot be used, and a new Cybersource account will need to be created with Finix.
To enable Cybersource for a Finix merchant, create a Gateway Integration after the merchant is successfully onboarded.
You can create a Cybersource integration using the Finix Dashboard.
- In the Finix Dashboard, click Company.
- Click the Integrations tab.
- Your Cybersource integration status is displayed here. If Cybersource is not enabled, the status shows Not Connected.
- Click Set Up to begin the Cybersource integration.
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.
- To have the Cybersource invitation sent to a different email than the one listed on the merchant's
Click Done to activate Cybersource as a Gateway Integration and return to the Finix Dashboard.
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.
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.
Not accepting the Cybersource email invitation will cause onboarding delays.
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.
To check if a transaction was processed by Cybersource, open the Finix Dashboard, go to Transactions, click Payments, and select the transaction.
You can confirm the transaction was processed by Cybersource by checking the Integration Field.
Check the Integration field in the Payment Details section. If Cybersource processed the transaction, the field will display Cybersource.
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.
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.
Copy the external_trace_id value by hovering over External Trace ID.
Click View API Response to view the payment's API response.
Copy the external_trace_id value from the API response.
Expand Transaction Management in the left-hand menu.
In the Quick Search form field, input the External Trace ID copied from the Finix Dashboard and update the Date Range accordingly.
Click Search to view the transaction details.
To void a Cybersource authorization, perform an authorization reversal directly in the Cybersource Dashboard.
On the Transaction Details page, click Authorization reversal.
Confirm the authorization reversal when prompted.
In addition to the Dashboard method, you can also create a Cybersource integration using the Finix API.
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.
- Sandbox serverhttps://finix.sandbox-payments-api.com/gateway_integrations
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 '{
"email": "michael@finix.com",
"linked_to": "MUeg77opgdgQpwejzC9wCNmK",
"tags": {
"gateway_name": "shopify"
},
"type": "CYBERSOURCE"
}'A successful request returns a 201 Created status code, with the response body containing the newly created Gateway Integration resource with a state: PENDING:
{
"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.
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.