If you are an online business owner or planning to sell products and services on the internet, you might come across the term “Cybersource Merchant Agreement.” In this article, we will take a deeper look at what it is and how it can impact your business.

What is Cybersource Merchant Agreement?

Cybersource is a payment gateway that facilitates online transactions by processing credit card and other payment methods. To use their service, online merchants need to sign a merchant agreement that outlines the terms and conditions of using their platform. This agreement governs the relationship between the merchant, Cybersource, and the customers that use the payment gateway for transactions.

What are the terms of the Cybersource Merchant Agreement?

The Cybersource Merchant Agreement covers several aspects of using their payment gateway service. Some of the key terms that you need to be aware of are:

1. Payment processing fees: Cybersource charges a fee for each transaction that is processed through their gateway. The fees may vary depending on the volume and type of transaction. As a merchant, you need to be aware of these fees and factor them into your pricing strategy.

2. Refunds and chargebacks: If a customer disputes a charge or requests a refund, the merchant needs to follow the Cybersource guidelines for handling these situations. This may involve providing evidence of the transaction or issuing a refund within a specific timeframe.

3. Data security: As an online merchant, you are responsible for safeguarding customer data that is processed through the payment gateway. The Cybersource Merchant Agreement outlines the security standards that you need to comply with to prevent data breaches and protect customer information.

4. Termination of service: The agreement also covers the circumstances under which Cybersource may terminate their services to a merchant. This may include violations of the terms of service, fraudulent activity, or failure to comply with payment processing regulations.

How does the Cybersource Merchant Agreement affect your business?

As an online business owner, using a reputable payment gateway like Cybersource can help you streamline your payment processing and improve customer experience. However, before signing the merchant agreement, you need to carefully review the terms and conditions and ensure that they align with your business goals.

Failure to comply with the terms of the agreement can result in penalties, termination of service, or damage to your business reputation. To avoid such consequences, it is essential to have a clear understanding of the agreement and work closely with your payment gateway provider to ensure that you are following best practices for payment processing and data security.


The Cybersource Merchant Agreement is an important document that outlines the terms and conditions of using their payment gateway service. As an online merchant, it is crucial to review and understand the agreement before signing it to ensure that you are compliant with the terms and best practices for payment processing and data security. By working closely with your payment gateway provider, you can improve customer experience, streamline payment processing, and protect your business from potential risks.