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Cybersource is a Visa solution that provides comprehensive payment processing solutions across multiple payment methods and regions. iDEAL is a popular online banking payment method in the Netherlands that allows customers to pay directly from their bank account. It is widely used for e-commerce transactions and provides instant payment confirmation.

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Setup

Please follow the common Cybersource instructions to get set up with CyberSource. After setting up your Cybersource account, make sure iDEAL is enabled as a payment method on your account.

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Features

Cybersource iDEAL payments support the following features:
  • Refunds - Refund transactions in full or in part
  • Transaction synchronization - Keep payment statuses synchronized with CyberSource

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Supported countries

Cybersource supports transactions from buyers in NL.

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Supported currencies

Cybersource supports processing payments in EUR.

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Limitations

The following features are not supported by this connector:
  • Delayed capture - Authorization and capture must happen together
  • Partial capture - Cannot capture a portion of the authorized amount
  • Void - Cannot cancel transactions once initiated
  • Payment method tokenization - Cannot store payment methods for recurring transactions
  • Zero auth - Zero-dollar verification transactions are not supported
  • Settlement reporting - Settlement reporting is not available
  • Webhooks - CyberSource does not support webhooks for iDEAL transactions (status checks via API polling)

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Integration

For iDEAL, the default integration for CyberSource is through a redirect to a hosted payments page. Start by creating a new transaction with the following required fields. 
var transaction = await client.Transactions.CreateAsync(
  transactionCreate: new TransactionCreate()
  {
    Amount = 1299,
    Currency = "EUR",
    Country = "NL",
    PaymentMethod =
      TransactionCreatePaymentMethod.CreateCheckoutSessionWithUrlPaymentMethodCreate(
        new RedirectPaymentMethodCreate()
        {
          Method = "ideal",
          RedirectUrl = "https://example.com/callback",
        }
      ),
  }
);
After the transaction is created, the API response includes payment_method.approval_url and the buyer_approval_pending status. 
{
  "type": "transaction",
  "id": "ea1efdd0-20f9-44d9-9b0b-0a3d71e9b625",
  "payment_method": {
    "type": "payment-method",
    "approval_url": "https://cdn.sandbox.spider.gr4vy.app/connectors/cybersource/apm.html?token=..."
  },
  "method": "ideal"
}
Redirect the buyer to the approval_url so they can complete authentication and approve the payment. After approval the buyer is redirected to the redirect_url you provided when creating the transaction. Do not rely solely on the redirect - either poll the transaction or (recommended) rely on webhooks to detect the final status (for example capture_succeeded or failure states).

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Pending transactions

Cybersource does not support webhooks for iDEAL transactions yet. This means that any payment in a pending status requires a query to the Cybersource API to get the latest status. The system automatically polls for status updates.

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Merchant name

By default the merchant name is set to Default merchant name for an iDEAL payment. To set this to a custom value, use the statement_descriptor.name field: 
{
    "amount": 1800,
    "currency": "EUR",
    "country": "NL",
    "intent": "capture",
    "payment_method": {
        "method": "ideal",
        "country": "NL",
        "currency": "EUR",
        "redirect_url": "https://example.com"
    },
    "statement_descriptor": {
        "name": "Test 123"
    }
}

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Testing

Cybersource has instructions on how to test iDEAL.