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How to manage your business using the CyberSource Business Center Brought to you by CyberSource Customer Support What you will learn How to manage your business using the CyberSource Business Center, including: How to take credit card orders using the Virtual Terminal
Brought to you byCyberSource Customer Support
Use an internet browser to go to https://businesscenter.cybersource.com
You should receive two (2) emails after you are registered with CyberSource
This your CyberSource ID, sometimes called your CyberSource merchant ID
This is your temporary password, you will need this to log into the Business Center for the first time.
Be sure to keep this e-mail because it contains Customer Support contact information, in case you get lost.
Be sure to follow the instructions provided when making a new password
Be sure to remember to remember your answer.
The answer is case sensitive, so must remember exactly what you typed.
Each section in the main navigation bar is called a “tab”
Under each Tab that is selected there are “Sub Categories” displayed on the left side of each screen. The “Help” link is provided on every page within the Business Center.
Question marks (“?”) appear where additional information is available.
Information will appear in a “pop up” when you roll your mouse over the question mark (“?”)
The “Help” link is available on every page of the Business Center to provide more information about the specific page you are currently viewing.
Even more help is available under the “Support” tab such as Frequently Asked Questions, Documentation, etc.
Questions can also be submitted directly to Customer Support through the Business Center.
Customer Support is available Monday thru Friday 6AM to 5PM PST. Contact information is provided on the “Home” tab.
Bookmark this site to easily return in the future.
When the “Settings” tab is selected your “Account Information” is loaded first.
Double check the “Account Contact” Information for your account as this is used for service notifications.
Further down the “Account Information” page your Payment Processor information is displayed. NOTE: It’s very rare that any changes to your Payment Processor information will ever be necessary.
Once any changes to your Account Information have been made be sure to scroll down and click the “Update” button to ensure all changes are saved.
Click the “Virtual Terminal Settings” link to configure your Terminal before attempting to process orders.
After all configuration has been done be sure to click the “Update” button at the bottom of the screen and you’ll receive a reply message to indicate if things were saved successfully.
In this case, there was an error message which indicates what needs to be changed.
In this case you see the message when all changes were saved successfully.
Click the “Virtual Terminal” tab to load your newly configured Terminal. At this point all of the required and optional fields you chose to display should all appear.
Credit Card Authorization
Note: Authorizations are processed “Real Time”. Once an Auth is submitted the funds are held immediately. Typically the hold is placed for 2 weeks or 10 business days.
Credit Card Capture (Also known as “Settlement”)
Note: Captures (and Credits) are processed within batch files that are sent to Payment Processors once a day. Funds typically take 2 to 4 business days to settle within the end bank account.
Note: An “Authorization is only holding the funds in the customers credit card account.
A “Sale” is a request for Authorization and Capture within the same request.
While in “Test” status use the test credit card number of 4111111111111111
Note: To test successful trasnactions use amounts of $1000 and below.
To test failed transactions use amounts between $1001 and $4000.
All of the fields you configured to be “Required” will appear in a BOLD font.
All of the fields you configured to be “Optional” will appear in a LITE font.
Review all of the customer information you entered prior to Executing the transaction.
The “Order Number” that is displayed can be used to easily locate transactions when using the “Order Search” screens.
Select “Users” to create SUB-Usernames under your primary username.
NOTE: Sub-usernames are typically created for Developers, CSR’s, etc.
NOTE: Fill out all of the bold Required fields as well as set the permanent password for the new usernames.
After you’ve entered the required fields you’ll want to select the new username attributes.
NOTE: Once you’ve completed the configuration be sure the click the “Add User” button.
Once a new username has been added you’ll receive a successful message and the new username will be displayed below.
When you’re ready to “Go Live” click the “Settings” page and scroll to the bottom to click the “Go Live” button.
NOTE: Once you complete the “Go Live” process there is no way to go back to “Test Mode”.
NOTE: Once you are live we recommend to submit a $1.00 sale using the Virtual Terminal to ensure funds route to your account sucessfully.
To view and manage your orders, use the “Order Search” screens.
All order data is stored and available for 6 months.
To locate specific orders you’re able to select a specific field such as “Order Number” to find them quickly.
NOTE: If no search criteria is selected simply clicking the “Search” button without making any changes will load the last 50 transactions of the current day.
Once a search has been done simply click the “Order Number” to get to the details of the order.
The detail page allows users to issue credits, view AVS results, etc.
Once the Details page is displayed take a minute to scan all of the information that is provided about the order as it can be very useful for future use.
Additionally, on the Details screen there are fields that can be clicked to provide more information about the codes being used. The example shown here is what appears after the “AVS” link is clicked to show all of the codes and their definitions.
In the case where an Order is in an “Authorized” status the Capture to claim funds can be submitted from the details screen.
The following screen that appears after the “Capture” button is clicked asks you to enter the exact amount you wish to claim.
NOTE: Captures can be submitted up to 30 days after the authorization date. Also, Capture amounts cannot exceed Authorization amounts.
The final step is a confirmation “OK” to ensure you entered the correct amount.
After the “Capture” is submitted a successful message is returned and the Order History shows the current status.
NOTE: The “Pending” status of the Capture simply means the request has not yet been sent to the Payment Processor, this takes place daily just after Midnight, PST.
You’ll also notice that after an order has been Captured, the “Credit” button then appears to allow you the merchant to issue funds back in the event the items or service are returned.
When the “Credit” button is clicked this following screen appears to allow you to enter the amount you wish to credit customers.
NOTE: You’re able to issue a credit for up to 110% of the Captured amount.
Once again an “OK” confirmation box appears to ensure the correct amount has been entered.
To get a quick list of all authorizations ready to capture simply click the option on the left side of the screen under the “Order Search” tab and perform a date range search.
The results are displayed as follows, you’re able to go into each order individually or simply place a check mark next to the order and submit multiple captures at once.
A confirmation page is displayed to confirm the correct orders are being captured as well as the correct amount is being submitted. Simply click the “Process” button to complete the Capture requests.
To view orders that have failed one or more of your “Smart Auth” settings, simply click the “Authorizations Needing Review” option under the “Order Search” tab.
Smart Auth Settings can be configured by selecting the “Smart Authorization” option under the “Settings” tab.
This example shows the error message which would appear to indicate an order submitted through the “Virtual Terminal” has failed one or more Smart Auth Settings and that this order would be viewable under the “Orders Needing Review” option under the “Order Search” tab.
NOTE: You’re able to complete an order and Capture it even if it fails a Smart Auth Setting, this option is up to each merchant.
To get “Same Day” transaction Reports you may use the “Order Search” screens.
Use the “Export Results” button to save a file of all of the results in a CSV or XML format.
Once you click the “Export Results” button this following page will allow you to select the information you’d like to save.
After your selections have been made at this point is when you select the file type.
Simply click the “Save” button to download the report of your results to your PC.
To view a list of all available Reports simply click the “Reports” tab.
By selecting “Authorization Report” you’ll have the option to view all authorization history for the last 6 months in either a Daily or Monthly Detail or Summary view.
NOTE: Monthly reports are available for any month that is fully complete.
You have the option to Save any report within the Business Center by simply clicking the “Save/Print” option.
The screen that appears after “Save/Print” is clicked allows you to either Save the report in a PDF format or you may simply view it and print it once it’s loaded.
If you select the “Save” option, simply click the “Save” button to download the entire file on your PC.
Here is an example of the Authorization Summary Report for any given day.
NOTE: Card type and total Authorization Amounts are displayed.
The “Order Detail Report” option provides full details on all Orders submitted on each given day selected.
NOTE: The “Order Detail Report” is available in either XML or CSV format, this option is configured within the “Account Information” option under the “Settings” tab. (Shown next slide)
Click the “Download” link to save the file to your PC.
Under the “Settings” tab under the Account Contact information is where you’re able to configure the report format. Be sure to click the “Update” button after any change is made in the “Settings” area.
Here is a sample process flow of the Hosted Order Page, please note the optional emails that can be configured and a Sample page is viewable after changes are updated.
The Hosted Order Page Settings are available under the “Settings” tab.
Headers and Footers are able to be configured for your Hosted Order Page in an effort to maintain the same look and feel of your merchant site.
Once again, after all edits have been completed be sure to scroll down to the bottom of the page and click the “Update” button.
A successful saved message will appear as well as a “Preview” option to allow you to instantly view your newly updated Hosted Order Page.
The next slide shows this sample HOP after the “Preview” button is clicked.
Sample Hosted Order Page is displayed.
Under the “Support” tab you’ll find all Documentation, FAQ’s, API Downloads, a method to contact Customer Support, a payment tutorial and the Connection Matrix.
The “Connection Matrix” option allows merchants to easily determine their method to send transactions by answering some questions about their business.
After the “Connection Matrix” option is selected the following screen appears. The business questions to answer are on the left, answers are on the right.
Once a connection method is determined simply click the “Documentation” option and open the implementation guide for the method you’ve selected, here is the Business Center Guide for Virtual Terminal Users.
NOTE: Each guide breaks down topics into easy to complete steps as well as provides additional information about tools within the Business Center.