CyberSource is another gateway product, similar to Authorize.Net. (Visa owns CyberSource and CyberSource owns Authorize.Net.) In general, merchants that do less than 5 million a year in sales use Authorize.Net. CyberSource is a more expensive gateway and may have more advanced fraud detection features than you would need in a smaller store.
API Endpoint URL: The URL that Miva Merchant uses to submit requests. This field is autopopulated. You should only change it if you are given a new URL by Miva Merchant or CyberSource.
CyberSource ID: Transaction Key: These fields are credentials that are created when you set up your account with CyberSource. They are used to securely identify your store during payment transactions.
Currency: Select the currency for payments that you receive. Usually this matches the currency you have set for your store (see Edit Store > Settings > Currency Formatting drop-down list.)
CVV2 Message: The text that you enter in this field will appear in your on-line store during checkout when your customer enters their credit card information. Merchants usually use this field to describe the purpose of the CVV2 field.
Transaction Type: Authorize Only, Capture Later: Authorization occurs when the user clicks the Submit button in the Payments page in your on-line store. To capture funds you must edit the order in Miva Merchant admin and click on the Capture button.
Automatic Capture: If you select this option, Authorize and Capture occur when the user clicks the Submit button in the Payments page in your on-line store.
Note that these settings also affect you when you manually create an order. For example:
In the Edit Order screen, you can see that the Capture button is greyed out and the funds were automatically captured after authorization.
Perform Automatic Capture on AVS Soft Decline: CyberSource has a product called Decision Manager. It examines payment transactions and makes a decision as to whether the transaction is legitimate or fraudulent. If the software determines that the transaction is fraudulent, it can mark the transaction with a "soft decline". The order is created in Miva Merchant, and the customer's card is charged, but the order has a pending status at CyberSource. This setting affects soft declines that occurred because the shipping address on the order did not match the registered address of the card.
Perform Automatic Capture on CVV2 Soft Decline: Same as above, but for soft declines that occurred because the customer did not enter a CVV2 number, or the CVV2 number that they entered did not match the recorded CVV2 number for the card.
Store Entire Credit Card Number: If you select this option the customer's entire credit card number is attached to the order. If you do not select this option, only the last four digits of the customer's credit card number are attached to the order. (You can view the credit card information by editing the order).
Available Payment Methods: The payment methods that you choose here will show up in the payments drop-down list during checkout.
Require CVV2 in Administrative Interface: This option only affects you when you are manually creating an order through the Miva Merchant admin interface. If you enable this option, you must enter a CVV2 number in the Authorize dialog box when you create or edit the order. If you do not enable this option, the Authorize dialog box will still have a CVV2 field, but you can ignore it.