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Global Payment Managementfor Magento 2User’s GuideVersion 4.0.030 December 2020CyberSource Global Management Payment for Magento 21
Table of Contents12Introduction . 51.1Document Revision History . 51.2Payment Tokenization with Secure Acceptance . 51.3Credit Card Services . 61.4Decision Manager . 61.5Account Takeover Protection . 61.6Payer Authentication (3-D Secure) . 71.7PayPal Express Checkout . 81.8Electronic Check (eCheck). 91.9Online Bank Transfers . 91.10Tax Calculation .101.11Delivery Address Verification .101.12PayPal Credit .101.13Visa Checkout.101.14Klarna .101.15Google Pay .10CyberSource Configuration .122.1Secure Acceptance Configuration .122.1.1Create New Profile .122.1.2General Settings.142.1.3Payment Settings .152.1.4Security .162.1.5Payment Form.172.1.6Notifications .182.1.7Customer Response .192.1.8Branding .192.2Decision Manager .202.2.1Orders .202.2.2Refunds .202.2.3Custom Fields .202.3Security Credentials .222.3.1Create a SOAP Toolkit Key .23CyberSource Global Management Payment for Magento 22
2.3.2Create a REST API Key .242.3.3Create a Report Download User .252.43Backend Setup .27Magento Backend Configuration Settings .283.1General Settings.293.1.1reCAPTCHA.293.1.2WebService Configuration .323.1.3Device Fingerprint .333.1.4Delivery Address Verification Services .333.2Secure Acceptance.343.2.1Secure Acceptance settings .343.2.2Payer Authentication .393.2.3Checkout API Profile .403.2.4Hosted Checkout Profile .413.2.5Save Card for Later Service .423.3E-Check .433.3.1Payment Event Types.433.3.2Testing .433.4Decision Manager .473.5Klarna .483.6PayPal Express Checkout .493.7Bank Transfer .503.7.1iDEAL .513.7.2Sofort .523.7.3Bancontact .533.7.4EPS.543.7.5giropay .553.8Visa Checkout.563.9Google Pay .573.10Apple Pay .583.10.1Create a Merchant ID.583.10.2Creating Payment Processing Certificate .603.10.3Domain Validation .61CyberSource Global Management Payment for Magento 23
43.10.4Creating Merchant Identity Certificate.623.10.5Extension configuration .633.11Account Updater .643.12WeChatPay.653.13Taxes .663.13.1Product Tax Classes.663.13.2CyberSource Tax Services Settings .673.14Transactional Emails .693.15Cron Settings .70Payment UX .714.1Using Iframe Mode .714.2Using Redirect Mode .724.3Tokens .724.3.1Saving a Card.724.3.2Magento Tokens .734.3.3Paying with Tokens .734.3.4Migrating tokens created in version 2 to version 3 .734.45Apple Pay .73Administration Use .755.1Capturing Funds for Authorized Transactions .755.2Canceling Authorized Transactions .765.3Refunding a Captured Order.765.4Creating an order in the Admin .786Best security practices .797CyberSource Documentation.80CyberSource Global Management Payment for Magento 24
1 IntroductionThe purpose of this manual is to guide a user through the configuration settings and use of theCyberSource Global Payment Management Extension for the Magento 2.x ecommerce platform. Whereappropriate, this manual will reference documentation produced by CyberSource. The CyberSourceGlobal Payment Management Extension for Magento 2 includes the following CyberSource paymentmanagement capabilities:1.1 Document Revision HistoryVersion1.0.02.0.0ReleaseMarch 2017August 20172.0.2December 20172.0.33.0.0January 2018June 20183.1.0October 20193.1.1January 20203.1.2March 20204.0.04.1.0May 2020June 20204.2.0August 20204.3.0September 2020ChangesInitial ReleaseAdded support for Secure Acceptance SOP, Electronic Checks,Online Bank Transfers (Bancontact, Sofort, iDEAL), TaxCalculation, and Delivery Address Verification.Updated settings descriptions and screenshots to reflect recentupdates to the extension.Added instructions for configuring shipping taxesAdded Account updater moduleAdded ATP moduleAdded Klarna moduleAdded Visa Checkout moduleAdded Apple Pay ModuleSecure Acceptance module reworked with payment methodadapter architecture.eCheck module reworked with payment method adapterarchitecture.Update for module version 3.1.0Update configuration instructions for the new EBCUpdate configuration instructions for Apple Pay moduleAdded reCAPTCHA configuration instructionsAdded new configuration options descriptionAdded Flex Microform configuration instructionsAdded REST Web Service configuration options descriptionAdded new configuration options descriptionUpdated TemplateAdded Google Pay configuration instructions.Updated with changes for configuration options.Added WeChat Pay configuration instructions.Updated with changes for configuration options.Decision Manager Details section updateSecure Acceptance Module section updateTable 1.1: Document Revision History1.2 Payment Tokenization with Secure AcceptanceThe CyberSource extension for Magento uses Secure Acceptance to securely collect sensitive card datafrom the consumer’s browser. Secure Acceptance prevents sensitive payment data from ever touchingCyberSource Global Management Payment for Magento 25
your systems to reduce your overall PCI scope, potentially allowing merchants to qualify for the SAQ Aor SAQ A-EP. The extension also incorporates CyberSource Tokenization, which replaces sensitivepayment trans-action data with a unique identifier that cannot be reverse-engineered. The uniqueidentifier is called a payment token (also known as a Profile ID or Subscription ID), which is stored inMagento and takes the place of sensitive cardholder information, allowing your operations to runwithout sensitive card data in your environment.1.3 Credit Card ServicesThe CyberSource Magento extension includes the following credit card services: AuthorizationSale (Authorization Capture)Authorization ReversalCaptureCreditVoid1.4 Decision ManagerDecision Manager is a fraud management platform that prevents fraud losses and gives you theflexibility to control business practices and policies in real time. With Decision Manager, you canaccurately identify and review potentially risky transactions while minimizing the rejection of validorders.The CyberSource Magento extension includes: Real-time fraud screening performed during AuthorizationDevice FingerprintingOn-Demand Conversion Detail Report for changes in order status1.5 Account Takeover ProtectionCyberSource Account Takeover Protection defends consumers and merchants from fraudulent uses ofonline accounts. It helps identify high risk users at account creation and login, and monitors forsuspicious account changes.The CyberSource Magento extension includes: Real-time event screening account creation, login, and account changesDevice FingerprintingCyberSource Global Management Payment for Magento 26
1.6 Payer Authentication (3-D Secure)CyberSource Payer Authentication services enable you to add support to your web store for cardauthentication services offered by Visa, MasterCard, and other card brands. These programs verify thecardholder’s identity directly with the card issuing bank in real-time to increase payment security andreduce the risk of fraud; however, Payer Authentication is not a fraud management service, andCyberSource recommends that you implement a comprehensive fraud management program such asDecision Manager in addition to Payer Authentication services.The CyberSource Magento extension includes the following Payer Authentication programs: Verified by VisaMasterCard Secure CodeAmerican Express SafeKeyDiscover ProtectBuyJCBDinnersMaestro InternationalDue to recent mandates for French local processors handling Payer Authentication (3-D Secure)transactions. If you wish to process through the following processors:- CMCIC- Atos- BNPThen the following payment combination does not support the mandate:CyberSource Global Management Payment for Magento 27
1.7 PayPal Express CheckoutThe CyberSource Extension for Magento includes the PayPal Express Checkout payment method.Processing your PayPal transactions through CyberSource allows you to consolidate all payment typesunder a single gateway account, simplify integration efforts, screen PayPal transactions for fraud withDecision Manager, and streamline reporting.The CyberSource Magento extension supports the following PayPal services: SessionsCheck StatusOrderAuthorizationAuthorization ReversalCaptureSaleRefundPayPal CreditBilling AgreementsCyberSource Global Management Payment for Magento 28
1.8 Electronic Check (eCheck)Electronic checks, also known as e-checks, are a form of digital payment that serves the same functionas a physical check. When a merchant accepts an electronic check payment, the funds are pulled directlyfrom the customer’s checking or savings account.The CyberSource Magento extension supports the following e-check services: DebitCreditE-checks will process refunds when you use the credit payment service.1.9 Online Bank TransfersOnline banking services enable customers to pay for goods by pushing money from their bank accountto the merchant.The CyberSource Magento extension supports the following payment methods and correspondingonline bank transfer services: Bancontacto Saleo Check Statuso Refundo Country: BelgiumSoforto Saleo Check Statuso Refundo Country: many European regionsiDEALo Optionso Saleo Check Statuso Refundo Country: NetherlandsEPSo Saleo Check Statuso Refundo Country: Austriagiropayo Saleo Check StatusCyberSource Global Management Payment for Magento 29
oCountry: Germany1.10 Tax CalculationThe tax calculation service provides real-time tax calculation at the time of checkout for orders placedworldwide with your business.The CyberSource Magento extension supports the Tax calculation service.1.11 Delivery Address VerificationThe Delivery Address Verification service verifies typed addresses and corrects invalid city/state/ZIPcombinations in real-time.The CyberSource Magento extension supports the Delivery Address Verification service while upd
Secure Acceptance Module section update Table 1.1: Document Revision History 1.2 Payment Tokenization with Secure Acceptance The CyberSource extension for Magento uses Secure Acceptance to securely collect sensitive card data from the consumer [s browser. Secure Acce
