Cybersource Review


With its roots in the days before credit cards truly became commonplace, Cybersource began trading in financial products in the early 1990s. After acquiring the huge merchant services company Authorize.Net in 2007, Cybersource has since become one of the most prestigious, varied and successful choices in the industry. Within the last few years, Cybersource has been absorbed into the powerhouse of Visa and its meteoric rise doesn't look like slowing down any time soon.

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Combining its own strengths with that of Authorize.Net and Visa, Cybersource is an incredibly secure and diverse provider of merchant services. The level of detail dedicated to customer support, along with the flexible payment options, makes Cybersource one of the very top companies in the merchant services field.


The success of Cybersource can be mostly traced back to its payment gateway, recognised as one of the most versatile and adaptable on the market. Through this gateway, retailers can accept real time orders through their websites across hundreds of different currencies from around the world. This international acceptance also extends to the majority of debit and credit cards including Visa, Mastercard, American Express, JCB and more. Through this software, Cybersource customers will also have access to security checks, fraud prevention and a customizable API. Cybersource is a fully PCI compliant provider too.

For businesses with a need to accept payments in a variety of different locations, including on-the-go, Cybersource provide a virtual terminal. This allows the retailer to accept payments from anywhere with an internet connection, along with being able to manage batch orders and customer details.

Service Ideal For:

Cybersource can count most of its considerable customer base within the small business market. Whether those are sole traders, start-ups or smaller retailers; the range of services on offer with a concentration on adaptability definitely makes Cybersource a top choice. The company easily competes with its competition on pricing, and the close analytics and tracking along with the additional tools offer businesses a closer in-depth look at their finances.

Signup Process:

Businesses looking to become Cybersource customers can enquire through the website form or by contacting a sales executive by phone. Once you provide the sales team with information about your business and yourself, along with other financial details,your application will be assessed for approval. Cybersource has a high acceptance rate, approving around 9/10 of all customers for an account. You can expect to be accepting card payments within a few days of being granted approval by Cybersource.


With its concentration in online payments, the pricing model of Cybersource is simple and easy to understand. Merchant services are available for offline businesses and storefront retailers, but the pricing for virtual terminals is the same as the online model. Prices can vary for different regions, business types and enquiries - so make sure that you contact Cybersource to get a bespoke quote.

Basic Pricing:

Monthly Statement FeeMonthly MinimumMonthly Gateway FeeSet Up Fees
$0.00$20.00$20.00$0.00 to $200.00

Credit Card Fees—Retail:

Average Discount RateRetail Transaction FeeEquipment Cost

Online Account Fees—No Card Present:

Online Discount RateGateway Transaction FeeAddress Verification Fee

Ease of Use:

Online retailers are offered one of the very best choices when it comes to merchant services. The virtual terminal with online pricing also allows small brick and mortar businesses to take advantage of the excellent services on offer. Signing up is simple and straightforward, as is the use of all software and equipment. Cybersource customers can look forward to accepting their own payments without the need for any training, technical knowledge or complex user manuals.

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