Cybersource vs Purse Vault

Cybersource Global Payment Gateway processes online credit and debit card payments for merchants worldwide. Founded in 1994, it connects to more than 200 acquirers and processors across over 160 countries and territories and accepts payments in more than 50 currencies. Supported methods include credit and debit cards, digital wallets, eWallets, bank transfers, installment payments and direct debit. Merchants can embed secure checkout, redirect customers to a hosted checkout page or use Microform for card entry. Sensitive payment data can bypass the merchant network and be vaulted in secure Visa data centers. Cybersource identifies itself as a certified Level 1 PCI Service Provider. Fraud tools use machine learning and artificial intelligence, with models that can update as market trends change. APIs, SDKs, client libraries, testing guides, sandbox testing and sample code support integration. The gateway lists recurring and marketplace payments and runs on Android, iOS, web and API platforms. Pricing is available on request.

Purse Vault is a cloud payment-orchestration service that sits between merchants and their selected payment-service providers (PSPs). Its independent vault stores card data and supports moving payment methods between providers. Centralized tokens can support transaction retries or routing to a partner in real time. Purse also consolidates orders, settlements, fees, transfers, and chargebacks, and standardizes PSP transaction logs. Dashboards organize payment information by country, PSP, or payment method, including acceptance rates and decline reasons. One technical integration connects to more than 100 PSPs and local or international payment methods; the catalog lists more than 80 providers and methods. Purse says it will integrate a partner outside its catalog within 25 working days. The Vault is PCI DSS v4 Level 1 certified and hosted on sovereign infrastructure in Europe. SecureFields collects card details in secure iframes and returns a vault_form_token without PAN or CVV reaching merchant systems. Pricing is on request.