Visa Acceptance Solutions (CyberSource) vs. Wagestream

This is the market leader for this service and a mid-sized organisation is unlikely to find a provider that can provide the same value for money. Once it is all set up, the process runs in the background with little involvement from our organisation. It means no customer card details are ever collected or stored on-site, reducing our compliance headache. A very large organisation or one with a very complex website may find it inadequate.

Incentivized

• Very reliable. Meets strict SLAs. Had quite a few problems in production.
• PCI compliant payment provider.
• Provides sandbox environments for engineers.

Incentivized

• Cybersource should think to go for restfull api call. I am not sure if it exists because with DW it is Soap call.
• Cybersource should have some alerting mechanism where if certain auth declined in few mins, people get a notification to look.

Incentivized

Cybersource is a decent product but 2 things are driving us to look at others options. First is the lack of customer service. Every issue that requires help is dreaded as you know if will not be an easy process. This tags into the communication access with them. Multiple emails are generally required to get any response. There have been times when we requested information about PCI compliance that they never responded. Second is the cost savings with others processors. Currently we are leaning towards Elavon as their replacement.

Incentivized

• E-commerce could not function without being able to take a credit card, they provide this ability
• Fraud protection can stop a loss of many thousands of dollars a month.
• Ease of connecting to PayPal

Incentivized