Direct Credit Card

As a leading provider of payment management and risk management services to hundreds of thousands of online businesses around the world, privacy and data protection are of the utmost importance to CyberSource Corporation and its subsidiaries.

Acceptable forms of Direct Credit Card

Visa Card, MasterCard, Discover Card, Gift Card. For American Express and Vanilla card you will need to choose Alipay payment method.

Surcharge

You will need to afford 5% surcharge by using Direct Credit Card service.

Privacy Policy

Collection of Information: Credit Card company will collect your information when you have the following activities: Browsing their website, Filling their forms, Using their Gateway Services, Applying for a Merchant Account, etc.
Privacy and Security: Credit Card company is committed to privacy and security. They are compliant with the Payment Card Industry Data Security Standard ("PCI DSS") as a Level 1 service provider. They have been compliant with PCI DSS since its inception in 2002.

Top questions:

Q:

I tried to pay through credit card but it said transaction got declined and gave an error code, why happened?

A:

Below are typical response codes you will get on our system, and an explanation of what each means. After the first failed attempt, review the reason for the failure and rectify it.

1 RESPONSE: This transaction has been declined. (Reason Code 2 / Sub 1)
MEANING: Transaction Status: Declined (Card declined by issuer - Contact card issuer to determine reason.)
REASON DECLINED: Insufficient funds or some other internal reason at the bank.
ACTION: Commonly either due to insufficient funds in your account or a payment limit setting to your card the transaction got declined. Please be advised that plus the credit card surcharge and fees for sending cross-border payments the total charge can exceed your available balance. Some other reasons can also give this error, please contact the bank that issued the card to find out why if you think you have insufficient funds.
2 RESPONSE: Declined: The transaction has been declined because of an AVS mismatch. The address provided does not match billing address of cardholder. (Reason Code 27 / Sub 2)
MEANING: Transaction Status: Declined(Authorization with the card issuer was successful but the transaction was declined due to an address or ZIP code mismatch with the address on file with the card issuing bank based on the settings in the Merchant Interface.)
REASON DECLINED: AVS Mismatch is an indication that either the Street address is wrong, the Zip Code, or both.
ACTION: Ensure that your billing address entered in our system during check out is the same as you have on file with your bank. If you think you have the right billing address, call the 800 number on the back of your card. Your Credit Card company may have a misspelling or your business may have a different billing address.
3 RESPONSE: Declined: This transaction has been declined. (Reason Code 44 / Sub 2)
MEANING: Transaction Status: Declined (Card declined by issuer - Contact card issuer to determine reason.)
REASON DECLINED: The card code submitted with the transaction did not match the card code on file at the card issuing bank and the transaction was declined.
ACTION: Make sure you have entered the correct CVV/CVC code which can be found on the back of your card then try again.
4 RESPONSE: Error: Bill To First Name is required. (Reason Code 33 / Sub 2)
MEANING: Transaction Status: Declined (Authorization with the card issuer was successful but the transaction was declined due to a FIELD is set as Required in the Merchant Interface and the FIELD is not being sent to the gateway.)
REASON DECLINED: FIELD cannot be left blank. It is caused by you had left the first name and last name as blank when was registering on our website.
ACTION: Login our website then choose My Account - Modify Profile to update the register first name and last name.
Q:

I received an email stating that my order needs a billing confirmation, can I just cancel that order and redo a new one?

A:

For declined credit card transaction the payment will be refunded to your card automatically, there can be a pending charge statement shows on your account still but it will turn into available funds again after the bank completes the money refund. Usually this process can take 5-7 business days or a few days more due to different card issuers and banks.
You could go ahead and redo a new order if you still have sufficient funds without the pending charge, otherwise you will need to wait until the payment back to your card before paying again.

Q:

I am sure of unauthorized/double charge happened to my account, how can I fix this?

A:

Please call our US/Canada troll free number or send email to [email protected] to apply the issue, our billing will reply you as soon as could to help you solve the problem, also provide required documents for you to discuss this with the bank.

Q:

What is CVV/CVC number? Where can I find it?

A:

To help reduce fraud in the card-not-present environment, credit card companies have introduced a card code program. Visa calls this code Card Verifica tion Value (CVV); MasterCard calls it Card Validation Code (CVC); Discover calls it Card ID (CID). The card code is a three-or four-digit security code that is printed on the back of cards. The number typically appears at the end of the signature panel.

Q:

What does AVS mean?

A:

The Address Verification System (AVS) is a system used to verify the address of a person claiming to own a credit card. The system will check the billing address of the credit card provided by the user with the address on file at the credit card company.

Q:

I got a gift card and ready to pay, do I need to active the card before using?

A:

The activation process is determined by the issuer, so you will need to follow the instructions provided with your card. Many Gift cards are activated auto matically upon purchase and may be used immediately. However, some must be activated by the recipient before they can be used.

Q:

Can I pay by American Express?

A:

To choose direct credit card, we don't accept American Express or mobile-payment.