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Cybersource

Provider
TokenizationPSP

Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 22 companies across 2 categories.

cybersource.com ↗Also analysed as a company — its own stack →
CategoriesTokenization, PSP
Rank#20 of 528 in PSP
Buyers22 companies
HeadquartersFoster City, California, United States
Founded1994
FoundersWilliam S. McKiernan

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Founders & story · from Cybersource’s own dossier

Founded 1994 as one of the first internet payment gateways, Cybersource built its franchise around online authorization, fraud management (Decision Manager) and tokenization for large enterprise merchants. The 2007 Authorize.Net acquisition extended it into the US SMB long tail, and Visa's 2010 acquisition folded it into Visa's core acceptance stack. Today Cybersource operates as Visa's global merchant gateway — increasingly branded as 'Visa Acceptance Solutions' — competing structurally with Adyen, Stripe and Braintree while providing rails other PSPs and acquirers plug into.

Latest round: Acquired by Visa Inc. (2010, ~$2B)
Acquisitions
Authorize.Net2007
US SMB payment gateway acquired for $565M; still operated as a distinct brand.
Payworks2019
German card-present / in-store payment platform, folded in to power Cybersource's unified commerce offering.
Full dossier: Cybersource’s own stack, layer by layer →
Who uses Cybersource
22 companies disclose Cybersource in their stack
BudPayRakutenBr DgeWorkWaveSpreedlySubscribe ProVisaHDFC BankHotelogixLoanProXolaEprezto+10 more
Buyer mix · 22 of 22 classified
Infrastructure / Payments · 8Bank / National · 1Fintech / Insurtech · 1Fintech / Lending · 1Horizontal SaaS / Legal & Agreement Management · 1Infrastructure / Lending · 1Marketplace / Two-sided · 1Vertical SaaS / E-learning (LMS) · 1
US · 11APAC · 5LATAM · 3Africa · 1UK · 1
What the disclosures say
BudPay
“Cards V2 documentation names Cardinal Commerce (Cybersource) for 3DS device data collection: 'deviceDataCollectionUrl: https://centinelapistag.cardinalcommerce.com/...'. Supports Visa, Mastercard, Verve; currencies NGN, USD, GHS, KES.”
View source · centinelapistag.cardinalcommerce.com ↗
Rakuten
“Rakuten Advertising subprocessors list discloses Corpay, Cybersource, and PayPal as payment processors.”
WorkWave
“(payment processor), CyberSource (gateway), OpenEdge, Handpoint (card-present/CNP mobile POS), BridgePay, InterPayments, Financial Transmission Network (ACH), and Infinicept (boarding platform / merchant portal).”
Subscribe Pro
“Terms of Service: 'Our Service integrates with tokenized payment gateways (Authorize.Net, Braintree, CyberSource, First Data and others)'.”
Visa
“Visa is itself a global card network and payment technology company operating Visa Direct (push payments / real-time disbursements), CyberSource (payment gateway and fraud management, acquired and operated in-house), and Visa Click to Pay (digital checkout).”
Hotelogix
“Hotelogix Payment Gateways page (hotelogix.com/payment-gateways) lists 40+ regional PSPs integrated with the PMS; Marketplace confirms Barclaycard, Stripe, Worldline, CyberSource, PxPay, CMI as bookable integrations.”
The complete buyer list and each company’s full embedded-finance stack are in the Embedded Finance Index report. Represent Cybersource? Claim this profile above to unlock your own full list.
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What Cybersource runs on · from its own dossier
The third-party providers Cybersource itself discloses, layer by layer — the vendor as a buyer. Distinct from the companies above that disclose Cybersource.
PSP
Global Payments Directglobal payments
Card Network
VisaMastercardAmerican ExpressDiscover
KYC
LexisNexis ThreatMetrixLexisNexis Emailage
Open Banking
TrueLayerBank of America Pay by Bank
FX API
Thunes
Full dossier with evidence for each layer →
Alternatives to Cybersource

Other PSP providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.

Stripe782 buyers →Adyen317 buyers →PayPal153 buyers →Checkout.com114 buyers →Worldpay88 buyers →Mollie63 buyers →Braintree57 buyers →Pix50 buyers →
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An embeddable badge for Cybersource’s own site — it always shows this page’s current rank, so it stays accurate as new disclosures land. States its own denominator; never claims a number this page doesn’t.

Ranked #20 of 528 in PSP — Embedded Finance Index 2026
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Cybersource — frequently asked

Which companies use Cybersource?

22 companies are linked to Cybersource in the Embedded Finance Index 2026, through their own public disclosures or Cybersource's published customer list, including BudPay, Rakuten, Br Dge, WorkWave, Spreedly, Subscribe Pro, Visa, HDFC Bank, Hotelogix, LoanPro and 2 others.

What does Cybersource do?

Cybersource is an embedded-finance provider in Tokenization and PSP. It ranks #20 of 528 PSP providers by linked companies.

What are the alternatives to Cybersource?

The most-named PSP alternatives to Cybersource are Stripe (782 buyers), Adyen (317 buyers), PayPal (153 buyers), Checkout.com (114 buyers), Worldpay (88 buyers) and Mollie (63 buyers).

Who founded Cybersource?

Cybersource was founded by William S. McKiernan and is founded in 1994, headquartered in Foster City, California, United States.

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