# Cybersource

> Cybersource is a global payment management platform owned by Visa, helping merchants accept, secure, and optimize digital transactions in 190+ countries. Founded in 1994 and acquired by Visa in 2010 for ~$2B, it powers payment gateway, tokenization, fraud management (Decision Manager) and orchestration services for hundreds of thousands of businesses worldwide.

- **Founded:** 1994
- **Headquarters:** Foster City, California, United States
- **Founders:** William S. McKiernan (Founder & former CEO)
- **Team size:** ~900 employees
- **Products:** Payment Gateway, Decision Manager, Token Management Service, Payer Authentication, Account Updater
- **Notable:** Built one of the world's first internet payment gateways (1994)., Pioneered an early 'buy button' for online merchants., Acquired Authorize.Net for $565M in 2007.

## Products & services

- **Payment Gateway** — Accept credit cards, debit, digital wallets, and alternative payment methods across web, mobile, and in-person channels.
- **Decision Manager** — Machine-learning fraud detection trained on Visa's global transaction network, scoring transactions in real time.
- **Token Management Service** — Vaults and tokenizes sensitive payment data to reduce PCI DSS scope and enable network tokens.
- **Payer Authentication** — EMV 3-D Secure 2.x implementation for strong customer authentication and chargeback liability shift.
- **Account Updater** — Automatically refreshes stored card credentials to reduce involuntary churn on recurring billing.
- **Unified Checkout** — Drop-in, embeddable checkout UI supporting cards, wallets, and local methods with a single integration.
- **Recurring Billing & Subscriptions** — Tools for managing subscriptions, invoices, and trial conversions.
- **Reporting & Reconciliation** — Consolidated dashboards across acquirers, processors, and geographies.

## Achievements

- Built one of the world's first internet payment gateways (1994).
- Pioneered an early 'buy button' for online merchants.
- Acquired Authorize.Net for $565M in 2007.
- Acquired by Visa for ~$2B in 2010, one of the largest fintech M&A deals of its era.
- Processes tens of billions of transactions annually across 190+ countries.
- Decision Manager fraud platform is one of the longest-running ML-driven risk products in payments.

## Latest updates

- **2024-06** — Expanded Unified Checkout with additional local payment methods across APAC and LATAM.
- **2023-11** — Deepened network-tokenization rollout via Visa Token Service integration.
- **2022-05** — Rebranded developer experience under cybersource.com with new REST APIs and SDKs.

## Links

- Website: https://cybersource.com
- LinkedIn: https://www.linkedin.com/company/cybersource
- Twitter/X: https://twitter.com/cybersource
- YouTube: https://www.youtube.com/user/CyberSourceCorp
- Facebook: https://facebook.com/Cybersource/

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Profile page: https://yespress.io/cybersource
Published by YesPress — https://yespress.io
Last updated: 2026-05-29