Tag: unified checkout

Overview

This document provides a list of test payment card numbers for verifying your Unified Checkout integration. These cards simulate various payment scenarios without processing real transactions.

Use these card numbers to test your payment gateway, tokenization, and checkout flow before going live.

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⚙️ How to Use Test Cards

1. Combine BIN and Card Number
   When sending to Unified Checkout, concatenate the BIN and Card Number fields into one complete test card number.
   • Example:
     • BIN: 411111
     • Card Number: 1111111111
     • Full Card Number: 4111111111111111
2. Enter the Details in the Checkout Form
   • Card Number: Use the full number you generated.
   • Expiration Date: Use the month and year from the table below.
   • CVV: Use the code provided for each card type.
3. Submit the Payment
   The gateway will simulate a successful or declined transaction depending on your Unified Checkout configuration.

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💳 Unified Checkout Test Cards

Card Brand	BIN	Card Number	Expiration Date	CVV
Visa	411111	1111111111	12/2025	123
Mastercard	555555	5555554444	02/2026	265
American Express	378282	246310005	03/2026	7890
Cartes Bancaires	436000	0001000005	04/2040	123
Carnet	506221	0000000009	04/2024	123
China UnionPay	627988	6248094966	04/2040	123
Diners Club	305693	09025904	04/2040	123
Discover	644564	4564456445	04/2040	123
JCB	353011	133330000	04/2040	123
Maestro	675964	9826438453	04/2040	123
mada	446404	0000000007	04/2040	123
ELO	451416	0000000003	04/2040	123
JCrew	515997	150000005	04/2040	123
EFTPOS	401795	0000000009	04/2040	123
Meeza	507808	3000000002	04/2040	123

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🧪 Testing Scenarios

Scenario	Example Card Type	Expected Behavior
Successful Payment	Visa / Mastercard	Transaction approved
Invalid CVV	Any card, wrong CVV	Transaction declined
Expired Card	Any card, expired date	Declined: “Expired card”
Invalid Card Number	Random digits	Declined: “Invalid card”
Unsupported Card Brand	Not in table	Declined or error message

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🧰 Notes

• These cards do not represent real accounts and will not charge actual funds.
• Always ensure your environment is in Sandbox / Test Mode before using these test cards.
• The response behavior may vary depending on your gateway configuration or API version.

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📞 Support

If you encounter issues while testing or receiving unexpected responses:

• Contact your integration support team.

Overview

Apple Pay is a digital payment service that enables users to make secure and convenient transactions using their Apple devices. With Apple Pay, customers can easily pay online or in apps using their stored debit or credit cards in the Wallet app.

This guide outlines the steps required to:

• Enroll and validate your domain for Apple Pay.
• Prepare your Apple test device for end-to-end Apple Pay testing within Unified Checkout.

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Part 1: Enrolling in Apple Pay

Before enabling Apple Pay, you must first host a public certificate on your web server and pass your merchant name and domain to Apple. This allows Apple to verify your web pages and register your domain for Apple Pay.

Steps to Validate Your Domain

1. Navigate to:
   Payment Configuration → Unified Checkout
2. In the Apple Pay section, click:
   Set Up
3. Download the Certificate
   Follow the provided link to download the Apple Pay certificate file.
4. Upload the Certificate to Your Server
   Upload the file named apple-developer-merchantid-domain-association to your web server at the following path: /.well-known/apple-developer-merchantid-domain-association ✅ Ensure the file is publicly accessible via HTTPS by visiting:
   https://<your-domain>/.well-known/apple-developer-merchantid-domain-association
5. Verify the Domain
   Click Verify Domain in your Unified Checkout configuration.
6. Enter Your Domain Name
   Input the domain where the certificate was uploaded.
   Once verified, your domain will be registered and ready for Apple Pay.

⚠️ Important:
To perform a full end-to-end test of Apple Pay on Unified Checkout, additional setup is required.
Refer to Preparing a Device for Testing Apple Pay on Unified Checkout.

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Part 2: Preparing a Device for Testing Apple Pay on Unified Checkout

To run an end-to-end test of the Apple Pay service, you must prepare a test device by loading Apple Pay test cards from your Apple Developer Sandbox account.

Steps to Prepare Your Test Device

1. Ensure Apple Developer Account Configuration
   Confirm that your Apple Developer account is properly configured for Apple Pay.
2. Register Your Apple Pay Test Device
   Register the Apple device you’ll be using for testing with Apple.
3. Load Test Cards onto the Device
   Load Apple Pay sandbox test cards onto your device following Apple’s documentation.
   Detailed steps are available in Apple’s Sandbox Testing guide. Within the Sandbox Testing guide:
   • Follow “Create a Sandbox Tester Account” to create your tester profile.
   • Follow “Adding a Test Card Number” to load test payment cards into Wallet.

Once completed, your test device will be ready for Apple Pay transaction testing within Unified Checkout.

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Summary

You have now:

• Enrolled and verified your domain for Apple Pay.
• Configured your test device for sandbox testing.

Your Unified Checkout environment is now capable of processing Apple Pay transactions securely and efficiently during testing and production phases.

Overview

This guide provides step-by-step instructions to enable Click to Pay and set up Customer Authentication (3-D Secure) using Cybersource Unified Checkout.
These features enhance checkout security and convenience by allowing customers to use stored card details and strong authentication methods such as OTP, CVV, or biometric verification.

Section 1: Enabling Click to Pay

About Click to Pay

Click to Pay is a digital payment solution that allows customers to securely pay with their preferred card network (Visa, Mastercard, American Express, etc.) without re-entering card details for every transaction. It provides a fast, secure, and consistent checkout experience across browsers and devices.

Steps to Enable Click to Pay

1. Log in to the Cybersource Business Center
   • Test URL: https://businesscentertest.cybersource.com/ebc2
   Production URL: https://businesscenter.cybersource.com If you cannot access the page, contact your Cybersource sales representative.

2. Navigate to: Payment Configuration > Unified Checkout

3. In the Digital Payment Solutions section, click Manage to view your available digital payment methods.

4. If Click to Pay is not yet enabled, toggle it On.

5. Click Set Up under the Click to Pay section.

6. Enter your business details:
   • Business Name
   • Website URL

7. Click Submit to save your configuration.

8. Contact your Cybersource Implementation Contact or Technical Account Manager to request tokenization enablement for Click to Pay.
   They will confirm once your configuration is complete and Click to Pay is active for your account.

Section 2: Set Up Customer Authentication for Visa

Customer authentication ensures that each Click to Pay transaction is verified for security. Depending on your region and issuer, one or more of the following authentication methods will be used:

• 3-D Secure (3DS)
• FIDO
• Card Verification Value (CVV)
• One-Time Password (OTP)

⚠️ Important:
After setup, Visa automatically determines the appropriate authentication method for each transaction. This may include frictionless or step-up authentication depending on the issuer’s requirements.

Section 3: Setting Up 3-D Secure (3DS)

3-D Secure adds an additional layer of authentication for cardholders during online transactions, helping prevent unauthorized card use.

Steps to Set Up 3-D Secure

1. In the Cybersource Business Center, navigate to: Payment Configuration > Unified Checkout > Value Added Solutions

2. Under Value Added Solutions, click Set Up next to 3DS.

3. The 3DS Setup Page appears.
   In the Merchant Details section, enter the following information (provided by your acquiring bank):
   • Acquirer Merchant ID — Assigned by your acquiring entity
   • Merchant Name — Registered business name
   • Acquirer Bank Identification Number (BIN)

4. Click Save to complete the setup.

Important Notes:

• This setup enables Cybersource to send Visa the required data for 3DS authentication.
• If you do not know your Acquirer Merchant ID or BIN, contact your acquiring bank or processor.
• Additional charges may apply for 3-D Secure services. Confirm costs with your acquirer before proceeding.

Section 4: Verification & Testing

Once setup is complete:

Ensure that your integration correctly captures authentication responses from Visa (frictionless or challenge flows).

Confirm with your Cybersource Technical Account Manager that both Click to Pay and 3DS are active.

Test transactions using the Test URL before switching to production.

This guide walks you through the steps to enable Cybersource Unified Checkout in your Business Center account. Before proceeding, ensure that your Merchant ID (MID) is configured to use Unified Checkout and that all desired payment methods are properly set up.

Step 1: Log in to the Business Center

Use the appropriate environment link to access your Business Center:

• Test URL: https://businesscentertest.cybersource.com/ebc2
• Production URL: https://businesscenter.cybersource.com

💡 Tip: If you cannot access the page, contact your Cybersource sales representative.

Step 2: Access Unified Checkout Settings

Once logged in, navigate using the left-hand menu:

Payment Configuration → Unified Checkout

This section allows you to configure and manage payment methods available through Unified Checkout.

Step 3: Configure Digital Payment Methods

You can enable and manage supported digital wallets such as:

• Apple Pay
• Click to Pay
• Google Pay

Click Set up for each desired payment method and follow the on-screen setup instructions.
Once enabled, these methods will appear under the Payment Configuration section.

⚠️ Important:
You must configure each payment method you intend to use for every transacting MID.

Step 4: Manage or Update Payment Methods

To modify existing configurations or add new payment solutions as they become available:

1. Go to the Unified Checkout section.
2. Click Manage next to the payment solution you wish to edit.

This allows you to:

• Adjust current payment method settings.
• Add new digital payment solutions.
• Maintain up-to-date configurations as Cybersource releases new payment options.

This page explains each configuration option available for the WooCommerce – Cybersource Unified Checkout payment gateway. Follow these guidelines to ensure correct setup and a smooth checkout experience.

🔐 Enable/Disable

Enable Cybersource Unified Checkout
✔ Turns on the Cybersource payment gateway in WooCommerce.

🏷️ Title

Text displayed to customers at checkout as the payment method name.
Example: “Credit/Debit Card (Cybersource)”

✏️ Description

A short message shown under the payment method title during checkout.
Example: “Pay securely via Cybersource.”

🌎 Environment

Choose which Cybersource environment to connect to:

• Test (sandbox) — for testing payments
• Live (production) — for real transactions

Make sure keys match the selected environment.

🆔 Merchant ID (MID)

Your Cybersource Merchant ID as set in the Business Center.
Usually the same ID used to sign into Cybersource.

🗝️ REST API Key ID

Found inside Cybersource Business Center:
Payment Configuration → Key Management → REST API Keys

🔑 REST Shared Secret

Generated together with the API Key ID.
Used for creating secure requests to Cybersource.

🌍 Merchant Country

Select the country where your business is located.
Impacts allowed card networks and fraud tools.

🗣️ Locale

Language used in the payment UI.
Default: English (United States)

🧾 Billing Type Screen

Controls whether the payment UI collects:

• Full → Billing + Payment info
• Payment Only → Only card details (uses WooCommerce billing form)

Full is recommended to match Cybersource validation rules.

🚚 Request Shipping

Enable if you want Cybersource to collect shipping info from customer.

Options:

• Yes
• No (WooCommerce handles shipping instead)

🌏 Ship To Countries

Control which countries are allowed for shipping during checkout.
Use All countries or your preferred list.

💳 Allowed Card Networks

Select which card types customers can use:

• Visa
• Mastercard
• American Express
• Discover

💸 Allowed Payment Types

Toggle additional wallet methods:

• Click to Pay
• Apple Pay
• Google Pay

(Requires Cybersource approval + correct domain validation)

🔄 Payment Action

Controls when the customer’s card is charged:

• Authorize only → funds reserved, capture later
• Authorize & Capture → charge immediately

For subscription or manual order approval → Use “Authorize only”

🧱 WooCommerce Blocks Checkout

Enable support for WooCommerce Checkout Blocks interface.
If disabled, only Classic Checkout form will be supported.

🧮 Line Items

When enabled, plugin sends detailed product and tax breakdown to Cybersource:

• Product items
• Shipping
• Discounts
• Taxes

Required for Level II / Level III processing compliance.

🏷️ Commodity Code (Optional)

Merchant-defined commodity code for Level II/III compliance
Example: 00000000 for general retail

📐 Unit of Measure (Optional)

Applies standardized UOM like:

• EA (Each)
• KG (Kilogram)
• L (Liter)

Used in B2B / commercial billing

🐞 Debug Mode / Logging

Enable if troubleshooting gateway issues:

• Stores detailed API logs in:
  WooCommerce ➜ Status ➜ Logs ➜ cybersource_uc-*

Disable when not needed to reduce log storage.

✅ Recommended Minimum Required Settings

Field	Recommended Value
Environment	Live once approved
Merchant ID / API Keys	Valid matching set
Allowed Cards	Visa + Mastercard (minimum)
Line Items	Enabled
Payment Action	Authorize & Capture (unless special workflow)

👉 Additional Notes

✔ Make sure your server supports TLS 1.2+
✔ Domains must be verified for Apple Pay / Google Pay
✔ Refunds and captures can be done inside WooCommerce order screen

WooCommerce – Cybersource Unified Checkout Installation Guide

Follow the steps below to install and configure the Cybersource Unified Checkout plugin on your WooCommerce store.

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✅ Requirements

Component	Minimum Requirement
WordPress	v6.0 or higher
WooCommerce	v7.0 or higher
PHP	v7.4 or higher (8.0+ recommended)
cURL	Enabled
TLS	1.2 or later
Cybersource Account	Business Center Access

Apple Pay & Google Pay may require additional domain validation.

Download first the CyberSource Unified Checkout plugin in your Patreon Dashboard

https://www.patreon.com/posts/cybersource-142294052

Step-by-Step Installation

1️⃣ Install via WordPress Dashboard

1. Log in to WordPress Admin
2. Go to Plugins → Add New
3. Click Upload Plugin
4. Choose the plugin ZIP file
5. Click Install Now
6. Click Activate

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2️⃣ Enable WooCommerce Payments Gateway

1. Go to WooCommerce → Settings → Payments
2. Find Cybersource Unified Checkout
3. Toggle Enable

You can now configure settings.

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🔐 Creating API Keys in Cybersource

To complete setup, you must generate REST API Keys:

1. Go to Cybersource Business Center
2. Navigate to: Payment Configuration → Key Management
3. Click Create Key
4. Select:
   • Type: REST – Shared Secret
   • Merchant ID: Your MID
5. Copy:
   ✅ API Key ID
   ✅ Shared Secret Key
   ✅ Organization ID (automatically included)

Store these securely.

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⚙️ Plugin Configuration

Inside WordPress:

1️⃣ Go to WooCommerce → Settings → Payments → Cybersource Unified Checkout
2️⃣ Fill in:

Field	Where to Find
Merchant ID	Cybersource Dashboard → Profile
REST API Key ID	Key Management
Shared Secret	Key Management
Environment	Test or Live dashboard

3️⃣ Adjust:

• Allowed card networks
• Payment action (Authorize vs. Authorize & Capture)
• Address/Shipping collection

4️⃣ Save Changes

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🧪 Testing Transactions

Before going live:

1. Ensure Environment = Test
2. Use Cybersource test cards:
   Cybersource → Developer Center → Testing Guide
3. Place real cart orders on checkout page
4. Check API logs if needed: WooCommerce → Status → Logs → cybersource_uc-*

✅ Make sure:

• Customer info collects correctly
• Order moves to Processing (if Capture)
• Refunds/voids work inside WooCommerce

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🚀 Going Live

When approved by Cybersource:

1. Switch Environment → Live
2. Replace API keys with Live credentials
3. Confirm card payments are enabled in your account
4. Place a small real order to verify live gateway

🎯 You are now fully live and ready to accept secure payments!