With a robust payment processing platform and fraud detection service, CyberSource has made it easy for merchants and organizations worldwide to securely collect money online.
CyberSource, a Visa subsidiary, currently accepts payments from customers and donors in more than 190 countries and territories around the world.
Even after payments are sent, CyberSource’s Decision Manager tool uses more than 300 detectors, such as biometrics and IP geolocation, to determine in seconds whether transactions are legitimate. The payment processor also allows merchants to customize their fraud protection settings to take into account unique circumstances, such as seasonal buying trends and product launches.
CyberSource, through its Secure Acceptance service, complies with the European Union’s new PSD2 regulation by authenticating payments using 3D Secure 2.0.
This added layer of security, designed specifically for merchants that do business in Europe, relies on information gathered from cardholders and their devices, such as a one-time password, fingerprint scan, IP address, or geolocation data. Once provided, this information is compared with customer data that banks have on file.
You must contact CyberSource to enable 3D Secure 2.0 and get the Cardinal credentials needed for 3D Secure 2.0 to work in Jotform’s integration.
How to install Jotform’s CyberSource integration
- Once you set up the CyberSource integration and add the payment field to your form, click on the Payment Settings icon.
2. In the CyberSource Integration menu that appears, enter the Merchant ID and Transaction Key information provided by CyberSource.
Pro tip: Use the scroll bar on the right side of the integration menu to navigate up and down. Using the arrow keys on your keyboard will only allow you to scroll up or down on your form and may cause you to lose unsaved changes in the integration menu.
3. Select the currency you want to use from the Currency dropdown menu.
4. Under Bill to, click on the dropdown menu and select the existing form field you want to use to fill in billing information.
5. Click on the Billing Address dropdown menu and select the form field you want to use to fill in billing information.
6. Use the Payment Type dropdown menu to indicate whether you want to sell products, sell subscriptions, collect an amount the customer chooses, or collect donations.
7. Regardless of which Payment Type selection you make, you’ll be asked in the Additional Gateway Settings menu whether you want to enable 3D Secure 2.0. If your business is based in Europe or if you have customers there, you must use the Yes-No toggle switch to select “Yes.”
If you enable 3D Secure 2.0, you must enter your Cardinal API Key, Cardinal API Identifier, and Cardinal OrgUnit ID in the fields that appear.
Note: You must contact CyberSource to enable 3D Secure 2.0 and get the necessary Cardinal credentials for the Jotform integration to work.
Note: If you selected User Defined Amount in the Payment Type field, continue to Step 8. If you selected Collect Donations, skip to Step 11. If you selected Sell Subscriptions, skip to Step 14. If you selected Sell Products, skip to Step 21.
8. If you selected User Defined Amount, you can change the Payment Box Sub Label field that appears below the payment box in your form.
Use the Yes-No toggle switch in the Suggest an Amount field to indicate whether customers can enter a customized payment amount in the payment box. As an alternative, you can use the Get Price From dropdown menu to link the amount in the payment box with another field on your form.
9. If you turn on the Suggest an Amount option, you must enter an amount into the Suggested Amount field below the Yes-No toggle switch and indicate whether it should be the minimum amount that customers can pay.
10. Click on the Additional Gateway Settings dropdown menu and use the Yes-No toggle switches to indicate whether you want to
- Show the total price on your form
- Test the CyberSource integration in sandbox mode
- Enable authorization-only transactions
Note: Enabling Sandbox Mode will allow you to test the CyberSource integration on your form. After testing the integration, disable Sandbox Mode by clicking on the Yes-No toggle switch so it reflects a “No” selection. Test credit cards offered by CyberSource will allow you to test various scenarios that may arise while payments are processed.
Once you’ve made all of your selections in the Additional Gateway Settings menu, click the Save button to finish setting up the integration.
11. If you selected Collect Donations in the Payment Type field, you can change the Payment Box Sub Label field that appears below the payment box in your form.
Use the Yes-No toggle switch in the Suggest an Amount field to indicate whether customers can enter a customized payment amount in the payment box. As an alternative, you can use the Get Price From dropdown menu to link the amount in the payment box with another field on your form.
12. If you turn on the Suggest an Amount option, you must enter an amount into the Suggested Amount field below the Yes-No toggle switch and indicate whether it should be the minimum amount that customers can pay.
13. Click on the Additional Gateway Settings menu, and use the Yes-No toggle switches to indicate whether you want to
- Test the CyberSource integration in sandbox mode
- Enable authorization-only transactions
Here are the steps to enable 3D Security
1. Login https://businesscenter.cybersource.com/ebc2/ (test) or https://ebctest.cybersource.com/ebc2 (live)
2. Please follow the prerequisites (https://developer.cybersource.com/api/developer-guides/dita-invoicing/invoicing-additional-features/payer-auth-prereqs.html) that are provided by CyberSource.
3. Open the Payment Configuration drawer and select Secure Acceptance Settings. Choose a profile and open the Payment Settings tab. Please make sure the Payer Authentication Legacy flow (Supports 3DS 1.0) is enabled
4. Enable 3D Secure 2.0 from Payment Settings.
5. Enter cardinal credentials from the CyberSource dashboard which is under the Payment Configuration as Payer Authentication Configuration.
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