Cybersource x Virto Commerce
B2B enterprises selling across many countries need a payment platform with global reach, strong fraud management, and the flexibility to work with multiple acquirers. Cybersource provides that as part of Visa’s payment infrastructure, and Virto Commerce connects to it through APIs to handle checkout, payment processing, and settlement.
About Cybersource
Cybersource is a payment management platform owned by Visa, processing transactions across more than 190 countries and territories. It combines payment gateway services with fraud management, tokenization, and the flexibility to connect to multiple acquirers and payment networks through a single integration.
Cybersource’s fraud management tool, Decision Manager, draws on transaction data from across Visa’s network to help identify and prevent fraudulent transactions at scale.
How Virto Integrates with Cybersource
Virto Commerce connects to Cybersource through its API to process payments during checkout, keeping payment processing, tokenization, and fraud management with Cybersource while Virto handles the buyer-facing commerce experience. Order and payment data flow from Virto’s checkout to Cybersource, which authorizes the transaction and returns the result back to Virto.
The integration approach generally covers:
- Routing checkout payments through Cybersource’s API for authorization and settlement
- Supporting the payment methods and acquirer relationships Cybersource makes available across different markets
- Handling payment confirmation, failure, and refund flows between Virto and Cybersource
- Keeping sensitive payment data within Cybersource’s compliant infrastructure rather than passing it through commerce
Note: For system-specific integration patterns, available accelerators, and the right approach for your payment setup, speak with a solution partner.
Implementation Approach
Virto Commerce integrates with enterprise systems through a combination of APIs, middleware, and integration accelerators — designed to reduce implementation effort while preserving the flexibility that enterprise-specific workflows require.
Key considerations: which markets and acquirer relationships need to be supported, fraud management requirements, existing Cybersource account setup, and whether the business needs a single acquirer or the flexibility to work with multiple.
Use Cases
Selling across many countries through a single payment integration
B2B enterprises expanding into new markets need access to different acquirers and payment networks without building a new integration for each one. Cybersource’s connection to multiple acquirers through one platform means Virto’s checkout doesn’t need separate logic per market.
New markets can be supported through the same Virto and Cybersource integration, rather than requiring a new payment setup each time.
Reducing fraud across high-volume transactions
Enterprises processing large transaction volumes face proportionally higher fraud exposure. When Virto’s checkout routes payment data to Cybersource, Decision Manager screens those transactions using fraud models built from Visa’s broader transaction data.
Transactions get screened against a larger fraud detection model than a single business’s own data could support on its own.
Keeping payment data out of the commerce platform
Sensitive card data should never sit inside a commerce platform if it can be avoided. Virto’s checkout passes payment details straight to Cybersource, so card numbers are processed and stored within Cybersource’s compliant infrastructure, not within Virto.
PCI compliance scope stays with Cybersource’s certified infrastructure, keeping the commerce implementation simpler and lower-risk by design, not as a workaround.