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Configure-payment-method.md

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Configure the Payment method

Payment Methods

  1. Credit Card
  2. Apple Pay
  3. Google Pay
  4. Click to Pay

1. Credit Card

In the Business Manager, go to Merchant Tools > Ordering > Payment Methods and select CREDIT_CARD. And in CREDIT_CARD details, double check if Payment Processor = "PAYMENTS_CREDIT"

Cybersource Cartridge supports the following ways of processing Credit Card a. Microform 0.11 link b. Direct Cybersource Payment API

a. To Setup Microform 0.11

Step 1: Upload Cybersource metadata in Business Manager. If not follow "Step 2: Upload metadata" or import "metadata/payment_metadata/meta/FlexMicroform.xml" in Business Manager (Administration > Site Development > Import & Export)

Step 2: Go to Merchant Tools > Custom Preferences > Cybersource_FlexMicroform and set values for the parameter:

Field Description Value to Set
Enable Secure Acceptance - Flex Microform Enable or Disable Cybersource Flex Microform Service Yes

b. To Setup Direct Cybersource Payment API

Step 1: Upload Cybersource metadata in Business Manager. If not follow "Step 2: Upload metadata" or import "metadata/payment_metadata/meta/FlexMicroform.xml" in Business Manager (Administration > Site Development > Import & Export)

Step 2: Go to Merchant Tools > Custom Preferences > Cybersource_FlexMicroform and set the value for following parameter:

Field Description Value to Set
Enable Secure Acceptance - Flex Microform Enable or Disable Cybersource Flex Microform Service No

Payer Authentication (3D Secure)

Prerequisite If you wish to process card payments with Payer Authentication, please ensure your Cybersource account has been enabled for it. Please contact your Cybersource representative if you are unsure.

Step 1: Upload Cybersource metadata in Business Manager. If not follow "Step 2: Upload metadata" or import "metadata/payment_metadata/meta/PayerAuthentication.xml" in Business Manager (Administration > Site Development > Import & Export)

Step 2: Go to Merchant Tools > Custom Preferences > Cybersource_PayerAuthentication and set values for the following parameters:

Field Description
Enable Payer Authentication Enable or Disable Payer Authentication service

Enforce Strong Consumer Authentication

When Payer Authentication is enabled, if a transaction gets declined with the reason as Strong Customer Authentication required, then another request will be sent from cartridge automatically for the same order and the customer will be 3DS challenged.

In case merchants would like the cardholder to be 3DS Challenged when saving a card, IsSCAEnabled setting can be updated to enable it for credit cards.

Note: The scaEnabled setting is applicable only if Payer Authentication is enabled.

Site Preferences: Step 1: Upload Cybersource metadata in Business Manager. If not follow “Upload metadata” or import "metadata/sfra_meta/meta/PayerAuthentication.xml" in Business Manager (Administration > Site Development > Import & Export)

Step 2: Go to Merchant Tools > Site Preferences > Custom Preferences > Cybersource_PayerAuthentication and set values for the following parameters:

Field Description
IsSCAEnabled Enable Strong Customer Authentication

Set the value for IsSCAEnabled to yes to use Strong Customer Authentication feature.

Decision Manager with Payer Authentication

Decision Manager plus Payer Authentication allows pre-authentication rules to be configured before authentication takes place, providing EMV®3 3DS authentication and risk review from authentication to authorization.

Note: Enable Decision Manager and Payer Authentication in custom preferences.

2. Apple Pay

Step 1: Create a merchant identifier in Apple portal:

A merchant identifier uniquely identifies you to Apple Pay as a merchant who is able to accept payments. You can use the same merchant identifier for multiple native and web apps.

  1. Go to Apple portal : https://developer.apple.com

  2. In Certificates, Identifiers & Profiles, select Identifiers from the sidebar, then click the Add button (+) in the upper-left corner.

  3. Select Merchant IDs, then click Continue.

  4. Enter the merchant description and identifier name, then click Continue.

  5. Review the settings, then click Register.

Step 2: Enrolling in Apple Pay in Cybersource

To enroll in Apple Pay:

  1. Log in to the Business Center:

  1. On the left navigation pane, click the Payment Configuration icon.

  2. Click Digital Payment Solutions. The Digital Payments page appears.

  3. Click Configure. The Apple Pay Registration panel opens.

  4. Enter your Apple Merchant ID. (Created in Step 1.4)

  5. Click Generate New CSR.

  6. To download your CSR, click the Download icon next to the key.

  7. Follow your browser's instructions to save and open the file.

Step 3 : Complete the enrollment process by submitting your CSR to Apple

Create a payment processing certificate: A payment processing certificate is associated with your merchant identifier and used to encrypt payment information. The payment processing certificate expires every 25 months. If the certificate is revoked, you can recreate it.

  1. In Certificates, Identifiers & Profiles, select Identifiers from the sidebar.

  2. Under Identifiers, select Merchant IDs using the filter in the top-right.

  3. On the right, select your merchant identifier. Note: If a banner appears at the top of the page saying that you need to accept an agreement, click the Review Agreement button and follow the instructions before continuing.

  4. Under Apple Pay Payment Processing Certificate, click Create Certificate.

  5. Click Choose File.

  6. In the dialog that appears, select the CSR file downloaded from Step 2.7, then click Choose.

  7. Click Continue.

Step 4: Configure Apple Pay in SFCC Business Manager

Business Manager Configuration

  1. Go to: “Merchant Tools > Site Preferences > Apple pay

  2. Check “Apple Pay Enabled?”

  3. Fill in the “Onboarding” form:

  • Ensure “Apple Merchant ID” and “Apple Merchant Name” match settings in your Apple account

  • Ensure all other fields match the your supported Cybersource settings

  1. Fill in the “Storefront Injection” form:
  • Selects where Apple Pay buttons should be displayed on your site.
  1. Fill in “Payment Integration” form:

  • Leave all form fields blank

  • Ensure “Use Basic Authorization” is checked

  1. Click "Submit"

Step 5: Domain Registration in SFCC Business Manager

  1. Go to: “Merchant Tools > Site Preferences > Apple Pay
  2. Under Domain Registration section a. Click on Register Apple Sandbox under Apple Sandbox section for registering SFCC to Apple Sandbox account. b. Click on Register Apple Production under Apple Production section for registering SFCC to Apple Production account.

Step 6: Payment Processor

  1. In the Business Manager, go to Merchant Tools > Ordering > Payment Methods and select DW_APPLE_PAY. And in DW_APPLE_PAY details, double check if Payment Processor = "PAYMENTS_CREDIT"

Site Preferences:

Step 1: Upload Cybersource metadata in Business Manager. If not follow "Step 2: Upload metadata" or import "metadata/sfra_meta/meta/ApplePay.xml" in Business Manager (Administration > Site Development > Import & Export)

Step 3: Go to Merchant Tools > Site Preferences > Custom Preferences > Apple Pay and set values for the following parameters:

Field Description
ApplePayTransactionType Select Sale/Auth transaction type

3. Google Pay

Step 1: Create custom preferences for Google Pay

  1. Upload Cybersource metadata in Business Manager. If not follow “Step 2: Upload metadata” or import metadata/payment_metadata/meta/GooglePay.xml in Business Manager (Administration > Site Development > Import & Export)
  2. Go to Merchant Tools > Site Preferences > Custom Preferences > Google Pay and set values for the following parameters:
Field Description
Enable Google Pay Enable/Disable Google Pay on checkout page
Enable Google Pay on Mini Cart Enable/Disable Google Pay on mini cart
Enable Google Pay on Cart Enable/Disable Google Pay on cart page
Google Pay Merchant Id Merchant Id required for Live Environments
Google Pay Environment Environment details of Google Pay. Possible values are Test or Production
Google Pay Transaction Type Select Sale/Auth transaction Type

Step 2: Payment Processor

  1. In the Business Manager, go to Merchant Tools > Ordering > Payment Methods and select DW_GOOGLE_PAY. And in DW_GOOGLE_PAY details, double check if Payment Processor = "PAYMENTS_CREDIT"

Step 3: Request Production Access

  1. If you want to use Google Pay in LIVE Environment,then navigate to this link https://pay.google.com/business/console/ in order to get Google Pay merchant Id.

4. Click to Pay

Step 1: Create custom preferences for Click to Pay

  1. Upload Cybersource metadata in Business Manager. If not follow “Step 2: Upload metadata” or import metadata/payment_metadata/meta/VisaSRC.xml in Business Manager (Administration > Site Development > Import & Export)
  2. Go to Merchant Tools > Site Preferences > Custom Preferences > Click to Pay and set values for the following parameters:
Field Description
Enable Click to Pay Enable/Disable Enable Click to Pay on checkout page
Click to Pay Key Click to Pay Key Id obtained through EBC Digital payments
True for production Set to Yes for Production
Click to Pay Transaction Type Select Sale/Auth transaction Type

Step 2: Payment Processor

  1. In the Business Manager, go to Merchant Tools > Ordering > Payment Methods and select CLICK_TO_PAY. And in CLICK_TO_PAY details, double check if Payment Processor = "PAYMENTS_VISA_SRC"

Notes:

Currently Click to Pay is only available in checkout view.