Hosted Payment Acceptance
Hosted Payment Acceptance provides your customers with a seamless ecommerce checkout experience without subjecting your network to payment data exposure. As attention spans shorten and intolerance of purchase process hiccups increases, you must strive to provide the quickest decision-to-buy flow possible. In addition, adhering to PCI DSS standards on how credit card information is processed, transmitted, and stored can get costly.
Hosted Payment Acceptance Defined
With Hosted Payment Acceptance, CyberSource hosts the payment data fields on your website. Payment data is captured and transmitted outside your network, directly to the payment network.
How it Works
- To the customer making a purchase on your website, Hosted Payment Acceptance is entirely seamless as your branding remains consistent throughout. The entire process of entering in personal payment data is transparent.
- To use this solution, you store an HTML order form on you web server. When the customer is ready to checkout, they would enter their payment data into the fields including name, shipping address, account number, etc.
- As the payment fields are hosted by CyberSource, the payment data bypasses your network entirely. The captured payment data is transmitted directly from the customer's browser to CyberSource for processing, storage of the credit card data, and tokenization of the PAN.
- You receive a reply back from CyberSource as to whether or the transaction was successful or failed along with the tokenization related to that transaction. Based on that reply, you can direct the customer to the appropriate results page including a 'thank you' for successful transactions or 'try transaction again' for a failure. You then ship the order.
Benefits of Hosted Payment Acceptance
- Customization – Hosted Payment Acceptance provides you with the ability to create a seamless checkout environment for your customers. The payment page retains the same branding as the rest of the site and the page.
- Simplicity – The implementation of Hosted Payment Acceptance is simple. A client application is not required as you can simply use Simple Order API fields.
- Processing capabilities – Hosted Payment Acceptance can process e-checks as well as payment cards.
- CyberSource Integration – Hosted Order Acceptance integrates seamlessly with the CyberSource Decision Manager to accurately identify and review potentially risky transactions while minimizing the rejection of valid orders.
- Analysis – You can track customer statistics and behavior using shopping cart analysis as Hosted Payment Acceptance provides an end-to-end buying experience.
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