Getting

Started with
REST
REST API

Developer Guide
Cybersource Contact Information
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the United States).

For support information about any Cybersource service, visit the Support Center: [Link]

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applicable U.S. federal securities laws.

Revision
Version: 25.01
Contents

Contents

Getting Started with REST............................................................................................................... 5

Recent Revisions to This Document..................................................................................... 5
Overview of Getting Started with REST.........................................................................................7
Set Up Your Cybersource Account.................................................................................................9
Set Up a JSON Web Token Message............................................................................................. 12
Sign Up for a Sandbox Account........................................................................................... 14
Create a P12 Certicate........................................................................................................ 15
Create a P12 File............................................................................................................15
Extract the Private Key from the P12 Certicate.................................................... 19
Test the Shared Secret Key Pair............................................................................... 20
Test Endpoints...............................................................................................................23
Construct Messages Using JSON Web Tokens................................................................. 23
Elements of a JSON Web Token Message................................................................23
Generate a Hash of the Message Body....................................................................24
Generate the Token Header.......................................................................................25
Generate a Hash of the Claim Set............................................................................ 25
Generate a Hash of the Token Header.....................................................................26
Generate the Message Body...................................................................................... 27
Generate a Token Signature.......................................................................................28
Generate a JSON Web Token..................................................................................... 28
Enable Message-Level Encryption......................................................................................29
Prerequisites for Message-Level Encryption..........................................................30
Message-Level Encryption Using JSON Web Tokens.............................................30
Going Live................................................................................................................................ 34
Create a Merchant ID.................................................................................................. 35
Activate your Merchant ID..........................................................................................35
Production Endpoints.................................................................................................. 36
Set Up HTTP Signature Message...................................................................................................37
Sign Up for a Sandbox Account...........................................................................................39
Create a Shared Secret Key Pair........................................................................................ 40
Create a Shared Secret Key Pair.............................................................................. 40

Cybersource Contents 3
 Test the Shared Secret Key Pair................................................................................44
Test Endpoints.............................................................................................................. 46
Construct Messages Using HTTP Signature Security..................................................... 46
Elements of an HTTP Message...................................................................................46
Generate a Hash of the Message Body.................................................................... 47
Generate the Signature Hash.................................................................................... 48
Update Header Fields.................................................................................................. 49
Going Live................................................................................................................................50
Create a Merchant ID..................................................................................................50
Activate your Merchant ID...........................................................................................51
Production Endpoints.................................................................................................. 52
VISA Platform Connect: Specications and Conditions for Resellers/Partners...................53
Getting Started with REST

Getting Started with REST

This section describes how to use this developer guide and where to nd further
information.
Visit the Cybersource documentation hub to nd additional technical documentation.

Audience and Purpose This guide provides information about how

to sign up for a sandbox account and set up
the Cybersource REST API.
Customer Support For support information about any service,
visit the Support Center:
[Link]

Recent Revisions to This Document

25.01
This revision contains only editorial changes and no technical updates.

24.10
Fixed error in the JWE token for message level encryption (MLE). See Message-Level
Encryption Using JSON Web Tokens on page 30.

24.09
Fixed signature header parameter "keyid" typo. See Update Header Fields on page 49.

24.08
Removed support for message level encryption (MLE) when setting up an HTTP signature
message. See Set Up HTTP Signature Message on page 37.

Cybersource Getting Started with REST 5

Getting Started with REST

24.07
This update contains editorial changes.

24.06
The guide has undergone a major reorganization.

24.05
Corrected typo. Updated the creating validation string
example for generating an HTTP signature
hash using the \n newline switch. For more
information, see Construct Messages Using
HTTP Signature Security on page 46.

24.04
Updated JSON Web Token Construction Updated the Constructing Messages Using
JSON Web Tokens Section.
Minor update to Message Level Encryption Added note to Enabling MLE Encryption
about the P12 certicate.

24.03
Update token signature to use the Key ID Replaced x5c signature with kid when
(kid). creating a token signature.
Added Message Level Encryption Message Level Encryption (MLE) was added
to the guide. See Construct Messages
Using HTTP Signature Security on page
46

24.02
Updated the link to the IETF HTTP Working Group website. See Construct Messages Using
HTTP Signature Security on page 46.

24.01
Message Elements Added the message elements required to
send a successful message. See Elements
of a JSON Web Token Message on page
23

Cybersource Getting Started with REST 6

Overview of Getting Started with REST

Overview of Getting Started

with REST

To get started using the Cybersource payment API, you must rst set up your
payment processing system to be REST compliant. Cybersource uses the REST, or
(REpresentational State Transfer), architecture for developing web services. REST
enables communication between a client and server using HTTP protocols.
This guide explains how to set up secure communications between your client and server
using one of these methods:
JSON Web Token JSON Web Tokens (JWTs) are digitally
signed JSON objects based on the open
standard RFC 7519. These tokens provide
a compact, self-contained method for
securely transmitting information between
parties. These tokens are signed with an
RSA-encoded public/private key pair. The
signature is calculated using the header
and body, which enables the receiver to
validate that the content has not been
tampered with. Token-based applications
are best for applications that use browser
and mobile clients.
HTTP Signature Each request is digitally signed, or the
entire request is digitally hashed using
a private key. Both the client and server
will have the same shared secret, which
enables each request to be validated on
either end. If the request transmission is
compromised, the attacker cannot change
the request or act as a user because they
do not have the secret. HTTP signatures
can be used only with API requests. They

Cybersource Overview of Getting Started with REST 7

Overview of Getting Started with REST

cannot be used in browser or mobile

applications.

Secure Communication Requirements

REST-compliant machines communicate with each other using stateless messaging.
Stateless messaging is a loosely coupled connection between a client and server,
where each message is self-contained. This connection enables the client and server to
communicate without rst establishing a communication channel and without managing
the state between systems.
To ensure secure communications between the client and server, you must provide these
security measures:
• Sender Authentication: A receiver needs to know that a message came from a trusted
entity.
• Message Encryption: By encrypting the message before transmission and decrypting
the message when received, you prevent man-in-the-middle attacks.

Key Features of REST

• Client/Server model: Clients and servers are independent from each other, enabling
portability and scalability.
• Stateless Communication: Each request is independent.
• Uniform Interface: Architecture is simplied through uniform standards.

Components of REST
A REST message consists of these four components:
• Endpoint: The endpoint is a Uniform Resource Identier (URI) that shows where and
how to nd the resource on the internet. For example, to test an authorization request,
you can send the request to this endpoint: [Link]
payments.
• HTTP Method: The method is the action performed by the resource. There are four
basic HTTP methods:
• POST: Create a resource.
• GET: Retrieve a resource.
• PATCH: Modify a resource.
• DELETE: Delete a resource.
• Headers: The header is a collection of elds and their associated values. It provides
information about the message to the receiver. Think of it as metadata about the
message. The header also contains authentication information that indicates that the
message is legitimate.
• Body: The request in JSON format.

Cybersource Overview of Getting Started with REST 8

Set Up Your Cybersource Account

Set Up Your Cybersource

Account

This overview lists the tasks you will need to complete in order to set up your Cybersource
account for sending and receiving REST API messages using either JSON Web Token
messaging or HTTP Signature messaging.

Cybersource Set Up Your Cybersource Account 9

Set Up Your Cybersource Account

Enabling REST Workow

To set up JSON web token messaging, see Set Up a JSON Web Token Message on page
12.
Cybersource Set Up Your Cybersource Account 10
Set Up Your Cybersource Account

To set up HTTP signature messaging, see Set Up HTTP Signature Message on page 37.

Cybersource Set Up Your Cybersource Account 11

Set Up a JSON Web Token Message

Set Up a JSON Web Token

Message

Setting up your JSON web token message requires you to complete these tasks:

Cybersource Set Up a JSON Web Token Message 12

Set Up a JSON Web Token Message

Cybersource Set Up a JSON Web Token Message 13

Set Up a JSON Web Token Message

2. Create a P12 certicate. See Create a P12 Certicate on page 15.

3. Construct a message using a JSON web token. See Construct Messages Using JSON
Web Tokens on page 23.
4. (Optional) Enable the optional message-level encryption (MLE) feature. See Enable
Message-Level Encryption on page 29.
5. Go live by transitioning your sandbox account into a production account. See Going Live
on page 34.

Sign Up for a Sandbox Account

To begin setting up your account, you must register a sandbox account. A sandbox
account enables you to obtain your security keys and test your implementation. After you
verify that your system can send and receive REST messages, you can contact customer
service to transition your sandbox account to a production account.
Follow these steps to sign up for a sandbox account:
1. Go to the Cybersource Developer Center sandbox account sign up page:
[Link]
2. Enter your information into the sandbox account form and click Create Account.

3. Go to your email and nd a message titled: Merchant Registration Details. Click the Set
up your username and password now link.
Your browser opens the New User Sign Up wizard.
4. Enter the Organization ID and Contact email you supplied previously. Follow the wizard
pages to add your name, a username, and a password.
5. Log in to the Business Center.

Cybersource Set Up a JSON Web Token Message 14

Set Up a JSON Web Token Message

When you log in for the rst time, you will be asked to verify your identity through a
system-generated email to your email account.
6. Check your email for a message titled: Cybersource Identication Code. A passcode is
included in the message.
7. Enter the passcode on the Verify your Identity page.
You should be directed to the Business Center home page.
You have successfully signed up for a sandbox account.

Create a P12 Certicate

A P12 certicate and its private key are used with JSON Web Token message security.
To create a P12 certicate, you must download a .p12 le from the Business Center and
extract its private key.

Create a P12 File

Follow these steps to create a .p12 le if you are using JSON Web Tokens to secure
communication.
1. Log in to the Business Center:
[Link]
2.
On the left navigation panel, navigate to Payment Conguration > Key
Management.

Cybersource Set Up a JSON Web Token Message 15

Set Up a JSON Web Token Message

3. Click + Generate key.

4. Under REST APIs, select REST – Certicate and then click Generate key.

Cybersource Set Up a JSON Web Token Message 16

Set Up a JSON Web Token Message

5.
Click Download key .

Cybersource Set Up a JSON Web Token Message 17

Set Up a JSON Web Token Message

6. Create a password for the certicate by entering the password into the New Password
and Conrm Password elds, and then click Generate key.

Cybersource Set Up a JSON Web Token Message 18

Set Up a JSON Web Token Message

The .p12 le is downloaded to your desktop.

When you generate one or more keys, you can view the keys on the Key Management page.

Extract the Private Key from the P12 Certicate

When you have your P12 certicate, you can extract the private key from the certicate.
Use this key to sign your header when sending an API message. Follow these steps to
automate the extraction of your private key.

Important

Cybersource Set Up a JSON Web Token Message 19

Set Up a JSON Web Token Message

If you are using the SDK to establish communication, you do not need to extract
the private key from the P12 certicate.

Prerequisite
You must have a tool such as OpenSSL installed on your system.

Extract the Private Key

Follow these steps to extract the private key using OpenSSL:
1. Open the command-line tool and navigate to the directory that contains the P12
certicate.
2. Enter this command:
openssl pkcs12 -in [certicate name] -nodes -nocerts -out [private key name]
3. Enter the password for the certicate.
The password is set when creating the P12 certicate in the Business Center.
The new certicate will be added to the directory using the private key name you supplied
in Step 2.

Test the Shared Secret Key Pair

After creating your key certicate, you must test it to verify that your key can successfully
process API requests. This task explains how to test and validate your key pair using the
developer center and the Business Center.
1. Go to the developer center's API Reference:
[Link]
[Link]#payments_payments_static-home-section
2. On the left navigation panel, click API Endpoints & Authentication.
3. Under Authentication and Sandbox Credentials, set the Authentication Type drop-down
menu to Json Web Token.
4. Enter your organization ID in the Organization eld.
5. Enter your Password in the Password eld.
6. Click Browse and upload your p12 certicate from your desktop.
7. Click Update Credentials.
A conrmation message displays stating that your credentials are successfully updated.

Cybersource Set Up a JSON Web Token Message 20

Set Up a JSON Web Token Message

8. On the developer center's left navigation panel, navigate to Payments > POST Process a
Payment.
9. Under Request: Live Console click Send.

Cybersource Set Up a JSON Web Token Message 21

Set Up a JSON Web Token Message

A message displays conrming that your request was successful with the status code
201.

[Link] in to the Business Center:

[Link]
11.
On the left navigation panel, navigate to Transaction Management > Transactions.
[Link] Search Results, verify that the request ID from the test authorization response is
listed in the Request ID column.
If the test authorization was successful, a success message is present in the
corresponding Applications column.

Cybersource Set Up a JSON Web Token Message 22

Set Up a JSON Web Token Message

Test Endpoints
When testing an API outside of the Developer Center's API Reference sandbox, send your
test API request messages to the test server:
[Link]
For example, to test an authorization request, you can send the request to this endpoint:
[Link]

Construct Messages Using JSON Web

Tokens
Follow these steps to construct messages using JWTs:
1. Generate a hash of the message body. See Generate a Hash of the Message Body on
page 24.
2. Populate the header values. See Generate the Token Header on page 25.
3. Generate a hash of the claim set. See Generate a Hash of the Claim Set on page 25.
4. Generate a hash of the token header. See Generate a Hash of the Token Header on
page 26.
5. Generate a token signature hash. See Generate a Token Signature on page 28.
6. Populate the signature header eld. See Update Header Fields on page 49.

Elements of a JSON Web Token Message

A JWT Message is built with these elements:

Headers
Your message header must include these header elds:

Header Fields

Header Field Description

v-c-merchant-id Your Cybersource organization ID.

Date The date of the transaction in the RFC1123 format. (Thu, 18
Jul 2019 [Link] GMT)

Cybersource Set Up a JSON Web Token Message 23

Set Up a JSON Web Token Message

Header Field Description

Content-Type Also known as the Multipurpose Internet Mail Extension (MIME

) type, this identifies the media or file type of the resourc
e. (application/json)
kid The ID of the key used to digitally sign the JWT. The Key ID (kid
) must be registered with the authorizing server.
Host The transaction endpoint. ([Link]
alg Algorithm used to sign the token header.

Body
The message body. For more information on setting up the body, see Generate a Hash of
the Message Body on page 24.

Generate a Hash of the Message Body

Generate a Base64-encoded SHA-256 hash of the message, and place the hash in the
header's digest eld. This hash is used to validate the integrity of the message at the
receiving end.
Follow these steps to generate the hash:
1. Generate the SHA-256 hash of the JSON payload (body of the message).
2. Encode the hashed string to Base64.
3. Add the message body hash to the digest payload eld.
4. Add the hash algorithm used to the digestAlgorithm payload eld.

Example: Digest Header Field

digest: RBNvo1WzZ4oRRq0W9+hknpT7T8If536DEMBg9hyq/4o=

Example: DigestAlgorithm Header Field

digestAlgorithm: SHA-256

Code Example: Creating a Message Hash Using C#

public static string GenerateDigest() {
var digest = "";
var bodyText = "{ your JSON payload }";
using (var sha256hash = [Link]()) {
byte[] payloadBytes = sha256hash
.ComputeHash([Link](bodyText));
digest = Convert.ToBase64String(payloadBytes);
digest = digest;
}
return digest;

Cybersource Set Up a JSON Web Token Message 24

Set Up a JSON Web Token Message

Code Example: Creating a Message Using Java

public static String GenerateDigest() throws NoSuchAlgorithmException {
String bodyText = "{ your JSON payload }";
MessageDigest md = [Link]("SHA-256");
[Link]([Link](StandardCharsets.UTF_8));
byte[] digest = [Link]();
return [Link]().encodeToString(digest);
}

Generate the Token Header

The token header is encrypted with a URL safe base64 algorithm. These three header
elds must be included in the header.

Token Headers

Token Header Field Description

kid The ID of the key used to digitally sign the JWT.

alg Algorithm used to sign the token header.
v-c-merchant-id Merchant ID used in the request transaction. To obtain the
merchant ID, see Sign Up for a Sandbox Account on page
14.

Token Header

eyJ2LWMtbWVyY2hhbnQtaWQiOiJtZXJjaGFudElEIiwiYWxnIjoiUlMyNTYiLCJraWQiOiI3MDc4NjMzMjg1MjUwMTc3MDQxNDk5In0

Generating the Token Header with Python

Encode the header data and then remove any padding added during the encryption
process.

import base64

# open le in binary mode

data = b'{"v-c-merchant-id":"merchantID","alg":"RS256","kid":"7078633285250177041499"}'
encoded = base64.urlsafe_b64encode(data)
stripped = [Link]('ascii').strip('=')

print(stripped)

Generate a Hash of the Claim Set

Generate a Base64-encoded SHA-256 hash of these header elds:

Cybersource Set Up a JSON Web Token Message 25

Set Up a JSON Web Token Message

Headers

Header Field Description

iat The date and time of the message origin. Date formatting is
dened by RFC 7231, Section [Link].
digest A Base64 encoded hash of the message payload. The
digest field is not included in a GET request.
digestAlgorithm The algorithm used to hash the message payload. The
message payload should be hashed using the SHA-256 al
gorithm. The digestAlgorithm field is not included in a
GET request.

Follow these steps to generate the hash:

1. Generate the SHA-256 hash of the elds in JSON format.
2. Encode the hashed string to Base64.
3. Add the message body hash to the digest header eld.
Creating a Message Hash Using Command Line Tools
Generate the SHA-256 hash using the shasum tool.

echo -n "{"iat":"Thur, 15 June 2017 [Link] GMT","digest":"tP7hDajF4f6q0ysBQCHgef5K/PBq8iMASvlEARp8tl=",

"digestAlgorithm":"SHA-256"}" | shasum -a 256

Base64 Encoding a Message Hash Using Command Line Tools

Generate the SHA-256 hash using the base64 tool.

echo -n "5995a4f27b4b9256a94cf54489a9ef691d8dc8a590d322780d3b202cfa2f078f" | base64

Add the message body hash to the digest header eld

NTk5NWE0ZjI3YjRiOTI1NmE5NGNmNTQ0ODlhOWVmNjkxZDhkYzhhNTkwZDMyMjc4MGQzYjIwMmNmYTJmMDc4Zg==

Generate a Hash of the Token Header

Generate a Base64-encoded SHA-256 hash of these header elds:

Token Headers

Token Header Field Description

kid The ID of the key used to digitally sign the JWT.

alg Algorithm used to sign the token header.
v-c-merchant-id Merchant ID used in the request transaction.

Follow these steps to generate the hash:

1. Generate the SHA-256 hash of the elds in JSON format.

Cybersource Set Up a JSON Web Token Message 26

Set Up a JSON Web Token Message

2. Encode the hashed string to Base64.

Create a Message Hash Using the shasum Command Line Tool

echo -n "{"kid":"cc34c0a0-bd5a-4a3c-a50d-a2a7db7643df",
"alg":"RS256","v-c-merchant-id":"merchant_id"}"
| shasum -a 256

Create a Message Hash Using the base64 Command Line Tool

echo -n "a9953cdca19433ae5ec1c4eb0dafd41df6de4d20cd47cbace3c316a1ac6d2008" | base64

Example: Token Header Hash

NTc3N2RlOTAyZWEwNWU0NWM2YTBkNTI4Mjg0YTJmOTVlZGYxYWJlMzBjNzk5OTg1YzEzMjNiMDkzMzc0MWEwNA==

Generate the Message Body

Encode the message body (payload) using URL safe Base64 encryption. At a minimum, the
body should include these elds:

Message Body Fields

Message Body Field Description

digest A base64 encoded SHA-256 has of the claim set.

digestAlgorithm Algorithm used to sign the JWT.
iat Time the JWT was issued.

Follow these steps to generate the hash:

1. Generate the SHA-256 hash of the JSON payload (body of the message).
2. Encode the hashed string to Base64.
3. Add the message body hash to the digest header eld.
4. Add the hash algorithm used to the digestAlgorithm header eld.
Encrypted Message Body
Line break added for readability.

digest: eyJkaWdlc3QiOiJSQk52bzFXelo0b1JScTBXOStoa25wVDdUOElmNTM2REVNQmc5aHlxLzRvPSIsImRpZ
2VzdEFsZ29yaXRobSI6IlNIQS0yNTYiLCJpYXQiOiIyMDI0LTA0LTA1VDE2OjI1OjE4LjI1OVoifQ

Encrypting Message Body Using Python

Generate the SHA-256 hash using the shasum tool. Line break on line three added for
readability.

import base64

data = b'{"digest":"RBNvo1WzZ4oRRq0W9+hknpT7T8If536DEMBg9hyq/4o=","digestAlgorithm":"SHA-256",
"iat":"2024-04-05T[Link].259Z"}'

Cybersource Set Up a JSON Web Token Message 27

Set Up a JSON Web Token Message

encode = base64.urlsafe_b64encode(data)
stripped = [Link]('ascii').strip('=')

print(stripped)

Generate a Token Signature

You can now build the JSON token signature. The token signature is made up of the JWT
header and claim set hashes in the following format, and encrypted with the private key.
[Token Header].[Claim Set]
Follow these steps to generate the signature:
1. Concatenate the header and claim set hash strings with a period (.) separating the
hashes:
[Token Header].[Claim Set].
2. Generate an encoded version of the text le using your private key.
3. Base64 encode the signature output.

Example: Token Signature Hash

YjgwNGIxOTMxMzQ2NzhlYjdiMDdhMWZmYjZiYzUzNzliMTk5NzFmNjAzNWRmMThlNzk0N2NhY2U0YTEwNzYyYQ

Code Example: Encoding the Signature File Using OpenSSL

Encode the signature le using the openssl tool.

openssl rsautl -encrypt -inkey [Link] -pubin -in [signature-text-le]

> [signature-encoded-le]

Code Example: Base64 Encoding the Signature File Using the

Command Line
Encode the signature le using the openssl tool and remove any padding.

base64 -i [signature-encoded-le]

Generate a JSON Web Token

You can now build the JWT. The JWT is made up of the token header Base64 encoded hash,
the payload Base64 encoded hash, and the JWT signature in the following format:
[Token Header].[Payload].[Signature]
To generate the JWT, concatenate the header, payload, and signature strings with a
period (.) separating the hashes:
[[Token Header].[Payload].[Signature].

Example: JSON Web Token

eyJ2LWMtbWVyY2hhbnQtaWQiOiJtZXJjaGFudElEIiwiYWxnIjoiUlMyNTYiLCJraWQiOiI3M

Cybersource Set Up a JSON Web Token Message 28

Set Up a JSON Web Token Message

Dc4NjMzMjg1MjUwMTc3MDQxNDk5In0.eyJkaWdlc3QiOiJSQk52bzFXelo0b1JScTBXOStoa2
5wVDdUOElmNTM2REVNQmc5aHlxLzRvPSIsImRpZ2VzdEFsZ29yaXRobSI6IlNIQS0yNTYiLCJ
pYXQiOiIyMDI0LTA0LTA1VDE2OjI1OjE4LjI1OVoifQ.YjgwNGIxOTMxMzQ2NzhlYjdiMDdhM
WZmYjZiYzUzNzliMTk5NzFmNjAzNWRmMThlNzk0N2NhY2U0YTEwNzYyYQ

Enable Message-Level Encryption

Important
This feature is in the pilot phase. To use message-level encryption, contact your
sales representative.
There are additional tasks you must complete before you can enable message-level
encryption. For more information, see Prerequisites for Message-Level Encryption
on page 30.
Message-Level Encryption (MLE) enables you to store information or communicate with
other parties while helping to prevent uninvolved parties from understanding the stored
information. MLE is optional and supported only for payments services.
MLE provides enhanced security for message payload by using an asymmetric encryption
technique (public-key cryptography). The message encryption is implemented with
symmetric encryption using Advanced Encryption Standard (AES), Galois Counter Mode
(GCM) with 256-bit key size. The encryption of keys is supported using RSA Optimal
Asymmetric Encryption Padding (OAEP) with 2048-bit key size. The encryption service is
based on JSON Web Encryption (JWE), works on top of SSL and requires separate key-
pairs for request and response legs of the transaction.
MLE is required for APIs that primarily deal with sensitive transaction data, both nancial
and non-nancial. These are the types of sensitive transaction data:
• Personal identication information (PII)
• Personal account number (PAN)
• Personal account information (PAI)
MLE is supported when using JSON web tokens. For more information, see Message-Level
Encryption Using JSON Web Tokens on page 30.
Each of these authentication schemes uses an encrypted payload, called the JWE. A JWE
token has these ve components, with each component separated by a period (.):
• JOSE header containing four elements:

"alg": "RSA-OAEP-256", //The algorithm used to encrypt the CEK

"enc": "A256GCM", //The algorithm used to encrypt the message
"iat": "1702493653" //The current timestamp in milliseconds
"kid": "keyId" //The serial number of shared public cert for encryption of CEK

• JWE encrypted key

• JWE initialization vector
• JWE additional authentication data (AAD)

Cybersource Set Up a JSON Web Token Message 29

Set Up a JSON Web Token Message

• JWE ciphertext and authentication tag

Prerequisites for Message-Level Encryption

Before enabling message-level encryption (MLE), you must complete these requirements:
1. Sign the pilot agreement for using MLE.
2. Conrm that the APIs you are integrating to support MLE.
3. Retrieve the Cybersource public key from either the Account Manager or Client
Executive services in the Business Center.
4. Ensure that client-side systems are modied to read the public key and encrypt the API
payload.

Message-Level Encryption Using JSON Web Tokens

To use message-level encryption (MLE) with JSON Web Tokens (JWT), you must generate
the JWT and send it as part of the HTTP header. The payload is encrypted with the dynamic
Content Encryption key (CEK) that is generated for each transaction. The serialized
encrypted payload, the JWE, is passed as the request body.
1. Use the required Maven dependency:

<dependency>
<groupId>[Link]</groupId>
<artifactId>nimbus-jose-jwt</artifactId>
<version>9.0</version>
</dependency>

2. Prepare the API request payload. This example is hard-coded for demonstration.

String jsonMsg = "{\"clientReferenceInformation\":{\"code\":\"TC50171_3\"},\"processingInformation\":

{\"commerceIndicator\":\"internet\"},\"aggregatorInformation\":{\"subMerchant\":{\"cardAcceptorID
\":\"1234567890\",\"country\":\"US\",\"phoneNumber\":\"650-432-0000\",\"address1\":\"900MetroCenter
\",\"postalCode\":\"94404-2775\",\"locality\":\"FosterCity\",\"name\":\"VisaInc\",\"administrativeArea
\":\"CA\",\"region\":\"PEN\",\"email\":\test@[Link]\},\"name\":\"V-Internatio\",\"aggregatorID\":
\"123456789\"},\"orderInformation\":{\"billTo\":{\"country\":\"US\",\"lastName\":\"VDP\",\"address2\":
\"Address2\",\"address1\":\"[Link].\",\"postalCode\":\"48104-2201\",\"locality\":\"AnnArbor
\",\"administrativeArea\":\"MI\",\"rstName\":\"RTS\",\"phoneNumber\":\"999999999\",\"district\":
\"MI\",\"buildingNumber\":\"123\",\"company\":\"Visa\",\"email\":\test@[Link]\},\"amountDetails\":
{\"totalAmount\":\"102.21\",\"currency\":\"USD\"}},\"paymentInformation\":{\"card\":{\"expirationYear\":
\"2031\",\"number\":\"5555555555554444\",\"securityCode\":\"123\",\"expirationMonth\":\"12\",\"type\":
\"002\"}}}";

3. Read the merchant p12 le.

The P12 le should have been created when you set up your test account. See Create a
P12 File on page 15.

ClassLoader classLoader = [Link]();

KeyStore merchantKeyStore = [Link]("PKCS12", new BouncyCastleProvider());
[Link]([Link]("test_merchant.p12"),
"test_merchant".toCharArray());
String merchantKeyAlias = null;
Enumeration enumKeyStore = [Link]();

Cybersource Set Up a JSON Web Token Message 30

Set Up a JSON Web Token Message

RSAPrivateKey rsaPrivateKey = null;

RSAPrivateKey rsaPrivateKey_SJC = null;
X509Certicate x509Certicate = null;
X509Certicate x509Certicate_SJC = null;

4. Loop through the Java KeyStore to extract the private key from merchant p12 le
and extract the public key for Cybersource. You must use the Cybersource SJC
(CyberSource_SJC_US) to encrypt the payload.

while ([Link]()) {
merchantKeyAlias = (String) [Link]();
if ([Link]("test_merchant")) {
[Link] keyEntry = ([Link]) [Link](
merchantKeyAlias, new [Link](
"test_merchant".toCharArray()));
//Extract the merchant certicate to sign the payload.
x509Certicate = (X509Certicate) [Link]cate();
rsaPrivateKey = (RSAPrivateKey) [Link]();

//Extract the merchant certicate to encrypt the payload.

} else if ([Link]("CyberSource_SJC_US")) {
[Link] keyEntry = ([Link]) [Link](
merchantKeyAlias, new [Link](
"test_merchant".toCharArray()));

//Store the public key from the certicate.

x509Certicate_SJC = (X509Certicate) [Link]cate();
//rsaPrivateKey_SJC = (RSAPrivateKey) [Link]();
}
}

5. Update the custom headers to include "iat" with the current timestamp:

Map<String, Object> customHeaders = new HashMap<String, Object>();

[Link]("iat", [Link]().getEpochSecond());

6. Generate the JWE token (the encrypted payload) using the supported algorithm and
the Cybersource public certicate. Include the JSON payload as the input.

String jweToken = encryptAttributeWithAlgo(jsonMsg, x509Certicate_SJC,

JWEAlgorithm.RSA_OAEP_256, EncryptionMethod.256GCM, customHeaders);

public static String encryptAttributeWithAlgo(String content, X509Certicate x509Certicate,

JWEAlgorithm algo, EncryptionMethod encryptionMethod, Map<String, Object> customHeaders) {
if (isNullOrEmpty(content)) {
[Link]("empty or null content");
return null;
} else if ( x509Certicate == null) {
[Link]("public certicate is null");
return null;
}
String serialNumber = extractSerialNumberFromDN(x509Certicate);
JWEObject jweObject = new JWEObject(
new [Link](algo, encryptionMethod)
.contentType("JWT") // required to signal nested JWT

Cybersource Set Up a JSON Web Token Message 31

Set Up a JSON Web Token Message

.keyID(serialNumber)
.customParams(customHeaders)
.build(),
new Payload(content));

jweObject = encrypt(jweObject, x509Certicate);

return jweObject == null ? null : serializeToken(jweObject);
}
public static boolean isNullOrEmpty(String string) {
return (string == null || [Link]().length() == 0);
}

7. Build the JSON request body for calling the Cybersource API.

String jsonBody = createJsonString(jweToken);

private static String createJsonString(String jweToken) {

String message;
JSONObject json = new JSONObject();
[Link]("encryptedRequest", jweToken);
return [Link]();
}

8. Generate the body digest to validate that the payload has not been compromised.

String bodyDigest = createBodyDigest(jsonBody);

public static String createBodyDigest(String jsonBody) {

MessageDigest messageDigest = null;
try {
messageDigest = [Link](DEFAULT_HASH_ALG);
} catch (NoSuchAlgorithmException e) {
[Link]("Couldn't instantiate SHA-256 digest " + [Link]());
return null;
}
byte[] bodyDigestBytes = [Link]([Link]());
return [Link]().encodeToString(bodyDigestBytes);
}

9. Prepare the JWT payload for signature.

JWTPayload jwtPayload = createJWTPayloadClass(bodyDigest);

Map<String, Object> customHeader = new HashMap<String, Object>();
[Link]("v-c-merchant-id", "test_merchant");

private static JWTPayload createJWTPayloadClass(String bodyDigest) throws

NoSuchAlgorithmException {
JWTPayload jwtPayload = new JWTPayload();
[Link](bodyDigest);
[Link]("SHA-256");
[Link]([Link]([Link]()));
return jwtPayload;
}

Cybersource Set Up a JSON Web Token Message 32

Set Up a JSON Web Token Message

[Link] the payload and create the JWT token that is passed in the request header.

String jwsSignature = sign([Link](jwtPayload), rsaPrivateKey, x509Certicate, customHeader);

public static String sign(String content, PrivateKey privateKey, X509Certicate x509Certicate,

Map<String, ? extends
Object>
customHeaders) {
return serializeToken(signPayload(content, privateKey, x509Certicate, customHeaders));
}
protected static JOSEObject signPayload(String content, PrivateKey privateKey, X509Certicate
x509Certicate,
Map<String, ? extends Object> customHeaders) {
return signPayload(content, privateKey, x509Certicate, customHeaders, true);
}
protected static JOSEObject signPayload(String content, PrivateKey privateKey, X509Certicate
x509Certicate,
Map<String, ? extends Object> customHeaders, boolean includeKid) {
if (isNullOrEmpty(content) || x509Certicate == null || privateKey == null) {
[Link]("empty or null content or Private key or public certicate is null");
return null;
}

String serialNumber = extractSerialNumberFromDN(x509Certicate);

List<Base64> x5cBase64List = addCerticateToBase64List(x509Certicate);
if ([Link]()) return null;

RSAPrivateKey rsaPrivateKey = (RSAPrivateKey) privateKey;

Payload payload = new Payload(content);
JWSHeader jwsHeader;
if ( includeKid ) {
jwsHeader = new [Link](JWSAlgorithm.RS256)
.customParams((Map<String, Object>) customHeaders)
.keyID(serialNumber)
.x509CertChain(x5cBase64List)
.build();
} else {
jwsHeader = new [Link](JWSAlgorithm.RS256)
.customParams((Map<String, Object>) customHeaders)
.x509CertChain(x5cBase64List)
.build();
}
JWSObject jwsObject = new JWSObject(jwsHeader, payload);
try {
RSASSASigner signer = new RSASSASigner(rsaPrivateKey, true);
[Link](signer);
if (![Link]().equals([Link])) {
[Link]("Payload signing failed.");
return null;
}
} catch (JOSEException joseException) {
[Link]("ERROR_SIGN_AND_ENCRYPT_THE_PAYLOAD" + " " + joseException);
return null;
}
return jwsObject;

Cybersource Set Up a JSON Web Token Message 33

Set Up a JSON Web Token Message

}
protected static String extractSerialNumberFromDN(X509Certicate x509Certicate) {
String serialNumber = null;
String serialNumberPrex = "SERIALNUMBER=";
String principal = x509Certi[Link]().getName().toUpperCase();
int beg = [Link](serialNumberPrex);
if (beg >= 0) {
int end = [Link](",", beg);
if (end == -1) end = [Link]();
serialNumber = [Link](beg + serialNumberPre[Link](), end);
} else
serialNumber = x509Certi[Link]().toString();
return serialNumber;
}

11. Send the JWT as the Bearer token in the header and send the JWE as the body.

HTTP Request Header:

Content-Type: application/json
Authorization: Bearer
eyJ2LWMtbWVyY2hhbnQtaWQiOiJtcG9zX3BheW1lbnRlY2giLCJhbGciOiJSUzI1NiIsImtpZCI6Im1wb3NfcGF5bWVudGVjaCIsI
jphx0dH6jzuJxoerkgz3VSMuDt9mDJtnlDnisSTf35NWh6u4TeJqGr3E8oOOJSX6N32r6XovCXyJyaDm4h2fJOeLZc8HcvfSC5SpMU
_OwElAYZfOnZ9FphLQZWnwZ3mku0C6gysv6ISMrI9BlCpWaPbmDeuWBSLexC_U01cblg

HTTP Request Body:

{"encryptedRequest":"eyJ2LWMtbWVyY2hhbnQtaWQiOiJtcG9zX3BheW1lbnRlY2giLCJ4NWMiOlsiTUlJRE5UQ0NBaDJnQXdJQ
GCEaFs15Ul_BrtlhQTn9aKjX_-rbYxM-ZXJlbpg6CsyAqy63-
MkYPP2BNXjFfP3yUSxes76zHlMaJG0gp681QY85AqGq6mCSrDqWE7NUTWifseRtKMv5u9pMHMxddkz9Xvp6Q5TbiEjGZbvD-
xKhhgs0-IupvPDKhxdJSNVPaDiTnFVnYtyOuLZLOFO4Fq2bfj86iGHRjfh9zq91Gp4uN36kmRHzkLN4Wrr5R6D79Z-
[Link]-9Xtl0uNoPxXV.RRGnkA1chplnGQf-SlXaXEntzGJrEF4EJU-
F6PEx6H3us1APoWAR-26aHdWctNFoGSalNt1ZzidRi3TA-iwpSFkEonSVbe7aVLJeAKgqCHnVXT-
eWb89gqTVkQFZiSZCHtIjDUtOMy95sU4MRcCvtrfAPDnIMudVVA5YtAsCZpta_ATl_iS6oLBMI57R0Ra7pO3MxFdLTrk-
FkLSd4JbGokm_JXpH8lI1V11vaMAtyEqGrzllrQv408zUGbvtvSirF31iiGITEF7QG5rbVn7oTWF4wWzKEkpSZ7J4LpIdjCG6sojeld4
vFVfa-
ua4uh4PNcVK0o3ke4TOqLnVcnaEtYW1AS2wIu_tHxW_hdkyPmDI8ceSBqmloRxV3q8xOS5u-2GNQ9p5pm2_NjkqVB8RYup9NFZWB
RzJ0mOwPF2MZzQ318z78IyAGXotYT4QXGJZhnyDMNgHjyyGX7IZtGPRYDpxc10Kko9DLM_r6fWoDLemRhFbi8prnlJpQZbUh98TLR

Going Live
When you are ready to process payments in a live environment, you must transition your
account to a live status with a valid conguration for your chosen payment processor.
When live, your transaction data ows through the production Cybersource gateway, to
your processor, and on to the appropriate payment network.
To transition your account:
1. Sign up for a merchant account.
2. Contact sales to establish a contract with Cybersource that enables you to process
real transactions and receive support.
3. Submit a merchant ID (MID) activation request.
It may take up to three business days to complete a MID activation request.

Cybersource Set Up a JSON Web Token Message 34

Set Up a JSON Web Token Message

Create a Merchant ID
The merchant ID (MID) is used to identify you and your transactions and is included in
the header of each transaction request. When you signed up for a sandbox account, you
received a merchant ID for testing purposes. If you choose, you can use that merchant ID
as your production ID.
Follow these steps to sign up for a merchant account in order to create a production MID:
1. Navigate to the Business Center Evaluation Account Sign-up page, enter the required
information, and click Create Account.
Choose your merchant ID name carefully. It cannot be changed. This name is not visible
to your customers.
2. Review your information entered, especially your business email address. Your merchant
ID registration information will be sent to the email entered on this form.
3. Check your email from customer support titled: Cybersource Merchant Evaluation
Account.
This email will include the Organization ID and contact email associated with your MID.
4. Go to your email and nd a message titled: Merchant Registration Details. Click the Set
up your username and password now link.
Your browser opens the New User Sign Up wizard.
5. Enter the Organization ID and Contact email you supplied previously. Follow the wizard
pages to add your name, a username, and password.
6. Log into the Business Center.
When you log in for the rst time, you will be asked to identify your identity through a
system-generated email that is sent to your email account.
7. Check your email for a message titled: Cybersource Identication Code.
Note the passcode.
8. Enter the passcode on the Verify your Identity page.
You should be directed to the Business Center home page.
You have successfully created a merchant ID and merchant account.

Activate your Merchant ID

The activation process, also known as going live, transitions your MID and account from
test status to live status, enabling you to process real transactions in production. It may
take up to three business days to complete the MID activation request.
To transition your account complete these tasks:
1. Sign in to the Support Center as an administrator.
2. Enter your credentials and log in to your test environment.

Cybersource Set Up a JSON Web Token Message 35

Set Up a JSON Web Token Message

Enter your MID in the Organization ID text box.

3. Go to Support Cases > MID Conguration Request. The MID Conguration Request
page should be open.
4. Select MID Activation.
5. In the Description eld, enter the Merchant ID that you want to take live.
6. Select the processor conguration and enter the name of your processor.
If you are unsure of your processor name, contact your merchant service provider or
your merchant acquiring bank.
7. Select the environments that this change applies (test or production).
8. Select Service Enablement and list the products and services that you intend to use.
9. Select Submit.

Production Endpoints
When sending API request messages using your production account, send your requests
to the production server:
[Link]
For example, to send a live authorization request, you can send the request to this
endpoint:
[Link]

Cybersource Set Up a JSON Web Token Message 36

Set Up HTTP Signature Message

Set Up HTTP Signature

Message

Setting up your HTTP signature message requires you to follow these steps.

Cybersource Set Up HTTP Signature Message 37

Set Up HTTP Signature Message

Cybersource Set Up HTTP Signature Message 38

Set Up HTTP Signature Message

2. Create a shared secret key. See Create a Shared Secret Key Pair on page 40.
3. Construct a message using HTTP signature security. See Construct Messages Using
HTTP Signature Security on page 46.
4. Go live by transitioning your sandbox account into a production account. Going Live on
page 34.

Sign Up for a Sandbox Account

To begin setting up your account, you must register a sandbox account. A sandbox
account enables you to obtain your security keys and test your implementation. After you
verify that your system can send and receive REST messages, you can contact customer
service to transition your sandbox account to a production account.
Follow these steps to sign up for a sandbox account:
1. Go to the Cybersource Developer Center sandbox account sign up page:
[Link]
2. Enter your information into the sandbox account form and click Create Account.

3. Go to your email and nd a message titled: Merchant Registration Details. Click the Set
up your username and password now link.
Your browser opens the New User Sign Up wizard.
4. Enter the Organization ID and Contact email you supplied previously. Follow the wizard
pages to add your name, a username, and a password.
5. Log in to the Business Center.
When you log in for the rst time, you will be asked to verify your identity through a
system-generated email to your email account.

Cybersource Set Up HTTP Signature Message 39

Set Up HTTP Signature Message

6. Check your email for a message titled: Cybersource Identication Code. A passcode is
included in the message.
7. Enter the passcode on the Verify your Identity page.
You should be directed to the Business Center home page.
You have successfully signed up for a sandbox account.

Create a Shared Secret Key Pair

Key pairs are used with HTTP Signature message security.

Create a Shared Secret Key Pair

Follow these steps to create a shared secret key pair.
1. Log in to the Business Center:
[Link]
2.
On the left navigation panel, navigate to Payment Conguration > Key
Management.

Cybersource Set Up HTTP Signature Message 40

Set Up HTTP Signature Message

3. Click + Generate key.

4. Under REST APIs, select REST – Shared Secret and then click Generate key.

Cybersource Set Up HTTP Signature Message 41

Set Up HTTP Signature Message

The REST API Shared Secret Key page appears.

5.
Click Download key .
The .pem le is downloaded to your desktop.

Cybersource Set Up HTTP Signature Message 42

Set Up HTTP Signature Message

Cybersource Set Up HTTP Signature Message 43

Set Up HTTP Signature Message

When you generate one or more keys, you can view the keys on the Key Management page.

Test the Shared Secret Key Pair

After creating your key certicate, you must test and verify that your key can successfully
process API requests. These tasks explain how to test and validate your key certicate
using the developer center and the Business Center.
1. Go to the developer center's API Reference:
[Link]
[Link]#payments_payments_static-home-section
2. On the left navigation panel, click API Endpoints & Authentication.
3. Under Authentication and Sandbox Credentials, set the Authentication Type drop-down
menu to HTTP Signature.
4. Enter your organization ID in the Organization ID eld.
5. Enter your key, also known as your private key, in the Key eld.
6. Enter your secret key, also known as your public key, in the Shared Secret Key eld.
7. Click Update Credentials.

Authenticate Key and Shared Secret Key

8. On the developer center's left navigation panel, navigate to Payments > POST Process a
Payment.
9. Under Request: Live Console click Send.

Cybersource Set Up HTTP Signature Message 44

Set Up HTTP Signature Message

A message displays conrming that your request was successful with the status code
201.

[Link] in to the Business Center:

[Link]
11.
On the left navigation panel, navigate to Transaction Management > Transactions.
[Link] Search Results, verify that the request ID from the test authorization response is
listed in the Request ID column.
If the test authorization was successful, a success message is present in the
corresponding Applications column.

Cybersource Set Up HTTP Signature Message 45

Set Up HTTP Signature Message

Test Endpoints
When testing an API outside of the Developer Center's API Reference sandbox, send your
test API request messages to the test server:
[Link]
For example, to test an authorization request, you can send the request to this endpoint:
[Link]

Construct Messages Using HTTP Signature

Security
HTTP signatures use a digital signature to enable the receiver to validate the sender's
authenticity and ensure that the message was not tampered with during transit. For more
information about HTTP signatures, see the IETF Draft that is maintained by the IETF HTTP
Working Group ([Link]
Follow these steps to implement HTTP signatures:
1. Create the shared secret key pair. See Create a Shared Secret Key Pair on page 40.
2. Generate a hash of the message body. See Generate a Hash of the Message Body on
page 47.
3. Generate a signature hash. See Generate the Signature Hash on page 48.
4. Populate the signature header eld. See Update Header Fields on page 49.

Elements of an HTTP Message

A HTTP Message is built with the following elements:

Headers
Your message header must include these header elds:

HTTP Header Fields

HTTP Header Field Description

v-c-merchant-id Your Cybersource organization ID.

Date The date of the transaction in the RFC1123 format. (Thu, 18 Jul
2019 [Link] GMT)

Cybersource Set Up HTTP Signature Message 46

Set Up HTTP Signature Message

HTTP Header Field Description

Content-Type Also known as the Multipurpose Internet Mail Extension (MIME

) type, this identifies the media or file type of the resourc
e. (application/json)
Host The transaction endpoint. ([Link]

Body
The message body. For more information on setting up the body, see Generate a Hash of
the Message Body on page 47.

Generate a Hash of the Message Body

This hash is used to validate the integrity of the message at the receiving end.
Follow these steps to generate the hash:
1. Generate the SHA-256 hash of the JSON payload (body of the message).
2. Encode the hashed string to Base64.
3. Prepend SHA-256= to the front of the hash.
4. Add the message body hash to the digest header eld.
Creating a Message Hash Using the Command Line shasum Tool

echo -n "{"clientReferenceInformation":{"code":"TC50171_3"},"paymentInformation":{"card":{"number":
"4111111111111111","expirationMonth":"12","expirationYear":"2031"}},"orderInformation":{"amountDetails":
{"totalAmount":"102.21","currency":"USD"},"billTo”:{“rstName":"John","lastName":"Doe","address1":
"1MarketSt","locality":"sanfrancisco","administrativeArea":"CA","postalCode":"94105","country":"US",
"email":"test@[Link]","phoneNumber":"4158880000"}}}" | shasum -a 256

echo -n "6ae5459bc8a7d6a4b203e8a734d6a616725134088e13261f5bbcefc1424fc956" | base64

Creating a Message Hash Using the Command Line base64 Tool

echo -n "6ae5459bc8a7d6a4b203e8a734d6a616725134088e13261f5bbcefc1424fc956" | base64

Creating a Message Hash Using C#

public static string GenerateDigest() {

var digest = "";
var bodyText = "{ your JSON payload }";
using (var sha256hash = [Link]()) {
byte[] payloadBytes = sha256hash
.ComputeHash([Link](bodyText));
digest = Convert.ToBase64String(payloadBytes);
digest = "SHA-256=" + digest;
}
return digest;
}

Cybersource Set Up HTTP Signature Message 47

Set Up HTTP Signature Message

Creating a Message Using Java

public static String GenerateDigest() throws NoSuchAlgorithmException {

String bodyText = "{ your JSON payload }";
MessageDigest md = [Link]("SHA-256");
[Link]([Link](StandardCharsets.UTF_8));
byte[] digest = [Link]();
return "SHA-256=" + [Link]().encodeToString(digest);
}

Digest Header Field

digest:
SHA-256=NmFlNTQ1OWJjOGE3ZDZhNGIyMDNlOGE3MzRkNmE2MTY3MjUxMzQwODhlMTMyNjFmNWJiY2VmYzE0MjRmYzk1Ng==

Generate the Signature Hash

The signature hash is a Base64-encoded HMAC SHA-256 hash of the header elds and
their values. The following information must be included in the signature hash:

Header Fields

Header Field Description

Date From the header, the date and time in the RFC1123 format
. For example: Date: Thu, 18 Jul 2023, [Link].
Digest The Base64-encoded SHA-256 hash of the message body
. For more information, see Generate a Hash of the Messa
ge Body. For example: Digest: SHA-256=gXWufV4Zc7
VkN9Wkv9jh/JuAVclqDusx3vkyo3uJFWU=. Do not include
the digest with GET requests.
Host From the header, the endpoint host. For example: api
[Link].
v-c-merchant-id From the header, the merchant ID associated with the re
quest. For example: v-c-merchant-id: mymerchantid.
request-target The HTTP method and endpoint resource path. For ex
ample: request-target: post /pts/v2/payments/.

Follow these steps to generate the signature hash value:

1. Generate a byte array of the secret key generated previously. For more information,
see Create a Shared Secret Key Pair on page 40.
2. Generate the HMAC SHA-256 key object using the byte array of the secret key.
3. Concatenate a string of the required information listed above.
For more information, see Creating the Validation String below.
4. Generate a byte array of the validation string.
5. Use the HMAC SHA-256 key object to create the HMAC SHA-256 hash of the validation
string byte array.

Cybersource Set Up HTTP Signature Message 48

Set Up HTTP Signature Message

6. Base64 encode the HMAC SHA-256 hash.

Signature Hash

signature=”OuKeDxj+Mg2Bh9cBnZ/25IXJs5n+qj93FvPKYpnqtTE=”

Creating the Validation String

To create the validation string, concatenate the required information in the same order as
listed in the signature header eld parameter. Each item must be on a separate line, and
each line should be terminated with a new line character \n.
Validation String Example

host: [Link]\n
date: Thu, 18 Jul 2019 [Link] GMT\n
request-target: post /pts/v2/payments/\n
digest: SHA-256=gXWufV4Zc7VkN9Wkv9jh/JuAVclqDusx3vkyo3uJFWU=\n
v-c-merchant-id: mymerchantid

Generating a Signature Hash in C#

private static string GenerateSignatureFromParams(string signatureParams, string secretKey) {

var sigBytes = [Link](signatureParams);
var decodedSecret = Convert.FromBase64String(secretKey);
var hmacSha256 = new HMACSHA256(decodedSecret);
var messageHash = [Link](sigBytes);
return Convert.ToBase64String(messageHash);
}

Generating a Signature Hash in Java

public static String GenerateSignatureFromParams(String keyString,

String signatureParams) throws InvalidKeyException, NoSuchAlgorithmException {
byte[] decodedKey = [Link]().decode(keyString);
SecretKey originalKey = new SecretKeySpec(decodedKey, 0, [Link], "HmacSHA256");
Mac hmacSha256 = [Link]("HmacSHA256");
[Link](originalKey);
[Link]([Link]());
byte[] HmachSha256DigestBytes = [Link]();
return [Link]().encodeToString(HmachSha256DigestBytes);}

Update Header Fields

When the signature is generated, you can populate the signature header eld. The
signature header eld includes these parameters:

Signatures

Signature Parameter Description

keyid The shared secret key used to encrypt the signature.

algorithm The HMAC SHA256 algorithm used to encrypt the signature. It
should be formatted: HmacSHA256.

Cybersource Set Up HTTP Signature Message 49

Set Up HTTP Signature Message

Signature Parameter Description

headers This ordered list of the fields included in the signature: h

ost date request-target digest v-c-mercha
nt-id
signature The signature hash.

Signature Header Field Format

Signature:"keyid:"[shared secret key]",algorithm="[encryption algoritm]",headers="eld1"
"eld2" "eld3" "etc.", signature="[signature hash]"

Signature Header Example

Signature:"keyid="123abcki-key1-key2-key3-keyid1234567",
algorithm="HmacSHA256", headers="host date request-target digest v-c-merchant-id",
signature="hrptKYTtn/VfwAdUqkrQ0HT7jqAbagAbFC6nRGXrNzE="

Going Live
When you are ready to process payments in a live environment, you must transition your
account to a live status with a valid conguration for your chosen payment processor.
When live, your transaction data ows through the production Cybersource gateway, to
your processor, and on to the appropriate payment network.
To transition your account:
1. Sign up for a merchant account.
2. Contact sales to establish a contract with Cybersource that enables you to process
real transactions and receive support.
3. Submit a merchant ID (MID) activation request.
It may take up to three business days to complete a MID activation request.

Create a Merchant ID
The merchant ID (MID) is used to identify you and your transactions and is included in
the header of each transaction request. When you signed up for a sandbox account, you
received a merchant ID for testing purposes. If you choose, you can use that merchant ID
as your production ID.
Follow these steps to sign up for a merchant account in order to create a production MID:
1. Navigate to the Business Center Evaluation Account Sign-up page, enter the required
information, and click Create Account.
Choose your merchant ID name carefully. It cannot be changed. This name is not visible
to your customers.
2. Review your information entered, especially your business email address. Your merchant
ID registration information will be sent to the email entered on this form.

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Set Up HTTP Signature Message

3. Check your email from customer support titled: Cybersource Merchant Evaluation
Account.
This email will include the Organization ID and contact email associated with your MID.
4. Go to your email and nd a message titled: Merchant Registration Details. Click the Set
up your username and password now link.
Your browser opens the New User Sign Up wizard.
5. Enter the Organization ID and Contact email you supplied previously. Follow the wizard
pages to add your name, a username, and password.
6. Log into the Business Center.
When you log in for the rst time, you will be asked to identify your identity through a
system-generated email that is sent to your email account.
7. Check your email for a message titled: Cybersource Identication Code.
Note the passcode.
8. Enter the passcode on the Verify your Identity page.
You should be directed to the Business Center home page.
You have successfully created a merchant ID and merchant account.

Activate your Merchant ID

The activation process, also known as going live, transitions your MID and account from
test status to live status, enabling you to process real transactions in production. It may
take up to three business days to complete the MID activation request.
To transition your account complete these tasks:
1. Sign in to the Support Center as an administrator.
2. Enter your credentials and log in to your test environment.

Enter your MID in the Organization ID text box.

3. Go to Support Cases > MID Conguration Request. The MID Conguration Request
page should be open.
4. Select MID Activation.
5. In the Description eld, enter the Merchant ID that you want to take live.
6. Select the processor conguration and enter the name of your processor.

Cybersource Set Up HTTP Signature Message 51

Set Up HTTP Signature Message

If you are unsure of your processor name, contact your merchant service provider or
your merchant acquiring bank.
7. Select the environments that this change applies (test or production).
8. Select Service Enablement and list the products and services that you intend to use.
9. Select Submit.

Production Endpoints
When sending API request messages using your production account, send your requests
to the production server:
[Link]
For example, to send a live authorization request, you can send the request to this
endpoint:
[Link]

Cybersource Set Up HTTP Signature Message 52

VISA Platform Connect: Specications and Conditions for Resellers/Partners

VISA Platform Connect:

Specications and
Conditions for Resellers/
Partners

The following are specications and conditions that apply to a Reseller/Partner enabling
its merchants through Cybersource for Visa Platform Connect (“VPC”) processing. Failure
to meet any of the specications and conditions below is subject to the liability provisions
and indemnication obligations under Reseller/Partner’s contract with Visa/Cybersource.
1. Before boarding merchants for payment processing on a VPC acquirer’s connection,
Reseller/Partner and the VPC acquirer must have a contract or other legal agreement
that permits Reseller/Partner to enable its merchants to process payments with the
acquirer through the dedicated VPC connection and/or traditional connection with
such VPC acquirer.
2. Reseller/Partner is responsible for boarding and enabling its merchants in accordance
with the terms of the contract or other legal agreement with the relevant VPC acquirer.
3. Reseller/Partner acknowledges and agrees that all considerations and fees associated
with chargebacks, interchange downgrades, settlement issues, funding delays, and
other processing related activities are strictly between Reseller and the relevant VPC
acquirer.
4. Reseller/Partner acknowledges and agrees that the relevant VPC acquirer is
responsible for payment processing issues, including but not limited to, transaction
declines by network/issuer, decline rates, and interchange qualication, as may be
agreed to or outlined in the contract or other legal agreement between Reseller/
Partner and such VPC acquirer.
DISCLAIMER: NEITHER VISA NOR CYBERSOURCE WILL BE RESPONSIBLE OR LIABLE
FOR ANY ERRORS OR OMISSIONS BY THE VISA PLATFORM CONNECT ACQUIRER IN
PROCESSING TRANSACTIONS. NEITHER VISA NOR CYBERSOURCE WILL BE RESPONSIBLE
OR LIABLE FOR RESELLER/PARTNER BOARDING MERCHANTS OR ENABLING MERCHANT
PROCESSING IN VIOLATION OF THE TERMS AND CONDITIONS IMPOSED BY THE RELEVANT
VISA PLATFORM CONNECT ACQUIRER.

Cybersource VISA Platform Connect: Specications and Conditions for Resellers/Partners 53