finops:
  description: >-
    CyberSource operates a custom/enterprise pricing model with no publicly
    listed rate card. All commercial terms are negotiated directly with
    Visa/CyberSource sales and vary significantly by merchant size, transaction
    volume, product modules, geography, and industry vertical. The notes below
    reflect publicly available information from community discussions, third-party
    reviews, and documentation references.

  pricing_model: custom_enterprise
  public_pricing: false
  contact_for_pricing: https://www.cybersource.com/en-us/contact-us.html

  cost_components:
    - component: Platform / Gateway Fee
      type: recurring_monthly
      notes: >-
        A monthly platform or gateway access fee is typically assessed. Older
        community references cite approximately $40/month, but current rates
        require direct negotiation and are not confirmed.

    - component: Transaction Fee
      type: per_transaction
      notes: >-
        Per-transaction fees apply to authorized payment transactions.
        Community references from earlier years cited $0.10 per transaction.
        Current rates are negotiated per merchant agreement and may include
        volume tiering.

    - component: Batch Processing Fee
      type: per_batch
      notes: >-
        Daily batch settlement submissions may incur a per-batch fee. Older
        references cited $0.25 per daily batch. Current rates are negotiated.

    - component: Fraud Management (Decision Manager)
      type: add_on
      notes: >-
        Decision Manager fraud screening is a separately priced add-on module.
        Pricing is based on transaction volume screened and contracted product
        tier.

    - component: Token Management Service
      type: included_or_add_on
      notes: >-
        Basic tokenization may be included in gateway contracts; advanced TMS
        features including network token support may be separately priced.

    - component: Payouts (AFT/OCT)
      type: per_transaction
      notes: >-
        Account Funding Transactions and Original Credit Transactions for
        payouts are typically priced per transaction, separate from standard
        payment processing fees.

    - component: 3D Secure / Payer Authentication
      type: add_on
      notes: >-
        Payer Authentication services may be separately priced or bundled
        depending on the merchant contract and geography.

    - component: eCheck / ACH Processing
      type: per_transaction
      notes: >-
        Electronic check and ACH transactions are priced separately from card
        transactions. Processing volume limits are established during
        underwriting.

  cost_optimization:
    - tip: >-
        Negotiate volume-based tiering in your merchant agreement; larger
        transaction volumes typically yield lower per-transaction rates.
    - tip: >-
        Use network tokenization to reduce interchange costs — CyberSource
        reports average fraud reduction of 28% with network tokens, which can
        lower chargeback and dispute costs.
    - tip: >-
        Implement Level 2 and Level 3 transaction data for B2B card payments
        to qualify for lower interchange rates from Visa/Mastercard.
    - tip: >-
        Use batch submission APIs for offline and deferred transactions to
        minimize real-time gateway fees where applicable.
    - tip: >-
        Leverage Payer Authentication (3D Secure) to shift chargeback liability
        to card issuers, reducing direct fraud loss expenses.
    - tip: >-
        Consolidate reporting through the Reporting API to reduce manual
        reconciliation labor costs.

  references:
    - CyberSource pricing community discussion: https://community.developer.cybersource.com/t5/Integration-and-Testing/CIM-API-Cost/td-p/35018
    - TrustRadius pricing overview: https://www.trustradius.com/products/visa-acceptance-solutions-cybersource/pricing
    - Capterra pricing: https://www.capterra.com/p/195/cybersource/
    - Contact CyberSource sales: https://www.cybersource.com/en-us/contact-us.html