VERTICAL · RETAIL

Build for
Retail

In-store POS, online checkout, and social selling — in one stack. Recipes for boutique shops, multi-location chains, and omni-channel platforms.

-4 days to first transaction
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Retail illustration
module icon
MODULE
SMB & Enterprise
integration model icon
INTEGRATION MODEL
Embedded / Omni-Channel
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CHANNELS
CNP, CP
time to build icon
TIME TO BUILD
~4 days

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use case

Typical use cases

Three patterns we've seen ISVs implement most often in Retail.

Multi-location chain

500+ independent retail shops with turnkey POS + online checkout, all bundled in one contract.

  

Boutique eCommerce

Small retailers accepting online payments via Unified Checkout with Pay By Link for social selling.

  

Enterprise omni-channel

2,000+ merchants across regions with unified reporting, custom fraud rules, and multi-currency settlement.
use case

Required stack

What you'll wire up. Click any tile to see why it's in the recipe.

Core · Always required
 

Accept Payments

Authorize and capture transactions across CP and CNP channels.

required
APISDK
  

Unified Checkout 

Hosted UI for in-clinic and online payment. SAQ-A PCI scope.

recommended
HOSTEDNO-CODE
  

Token Mgmt Service

Tokenize cards for repeat purchase and subscription flows. 

required
APISDK
Retail-specific · The omni-channel stack
 

Card Present Terminals

Connect POS terminals, manage device fleet, contactless acceptance in-store. 

required
APISDK
  

Pay By Link

Secure branded links for social selling and remote payment collection. 

required
HOSTED NO-CODE
  

Digital Invoicing 

Payment-enabled invoices with embedded payment options. 

required
API

Fraud Mangement Essentials

Rule-based fraud screening with velocity checks - default for SMB merchants. 

optional
API
  

Recurring Billing

Subscription billing schedules with intelligent retry logic. 

required
APISDK
Optional extensions
 

Decision Manager 

Advanced ML fraud scoring with custom risk models - recommended for Enterprise. 

optional
API
  

Account Updater 

Auto-refresh expired cards to reduce payment failures and involuntary churn. 

optional
API
 

Multi-Currency Pricing

Display in shopper's currency, settle in merchant's currency. 

optional
API

Digital Wallet Integration

Apple Pay, Google Pay, Click to Pay for frictionless checkout. 

optional
API
  
use case

APIs

Reference for every API in the stack, grouped by integration concern.

Common · All recipes
 
API REQUIRED DESCRIPTION DOCS
Payment Authorization
required
Authorize transactions across supported channels. Docs ↗
Refund & Void
required
Process refunds, void pending auths, handle reversals. Docs ↗
Primary payment acceptance
 

Recommended paths for merchants to accept card payments across CP and CNP channels.

API STATUS DESCRIPTION DOCS
Unified Checkout
recommended
Hosted UI with card capture, digital wallets, 3DS. SAQ-A eligible. Docs ↗
Card Present Terminals
recommended
In-store POS, contactless, device fleet management. Docs ↗
Flex Microform v2
alternative
Tokenized card fields with full UI control. Docs ↗
Secondary channels
 
API STATUS DESCRIPTION DOCS
Pay By Link
required
Secure branded payment links for social selling and remote collection. Docs ↗
Digital Invoicing
required
Generate payment-enabled invoices with embedded payment options. Docs ↗
Virtual Terminal
optional
Manual card entry for MOTO (Mail Order/Telephone Order) transactions. Docs ↗
Retail-specific
 
API STATUS DESCRIPTION DOCS
Payment Capture
required
Full, partial, and split capture support. Docs ↗
Tokenization Service
required
VTS integration — improves auth rates and meets scheme mandates. Docs ↗
Recurring Billing
required
Subscription schedules with retry logic and lifecycle management. Docs ↗
Fraud Management Essentials
required
Rule-based fraud screening with velocity checks. Docs ↗
Reporting & Transaction Search
required
Settlement reports, dispute management, export capabilities. Docs ↗
Decision Manager
optional
ML-based fraud scoring — Enterprise tier. Docs ↗
Payer Authentication (3DS2)
optional
SCA compliance with risk-based exemptions. Docs ↗
Account Updater
optional
Auto-update expired/reissued cards. Docs ↗
Multi-Currency Pricing
optional
Cross-border retail pricing in shopper's local currency. Docs ↗
use case

Vertical insights

What's different about Retail — surface the constraints before you architect.

Europe
  • PSD2/SCA required — 3DS2 exemptions critical for conversion
  • GDPR-compliant data handling for customer and transaction data
  • SEPA, iDEAL, Bancontact alongside card in key markets
  • 95%+ contactless adoption — terminal fleet must support NFC
APAC
  • Multi-currency and local acquirer routing essential
  • QR + NFC contactless dominant in-store across urban markets
  • WeChat Pay, Alipay, GrabPay critical for regional acceptance
  • Mobile-optimised checkout required — m-commerce leads desktop
LATAM
  • Installments are table stakes — issuer and merchant-funded
  • Tax document requirements — CPF (Brazil), RFC (Mexico) at checkout
  • PIX (Brazil), PSE (Colombia), OXXO (Mexico) for alt payments
  • Currency volatility planning for multi-country retail platforms
MEA
  • Multi-currency settlement critical for UAE cross-border retail
  • Growing contactless adoption in GCC urban retail
  • mada network required for Saudi Arabia card acceptance
  • Regulatory approvals vary significantly across MEA markets
use case

Integration path

Five steps from sandbox to live veterinary practices.

Sandbox

Register, get test credentials, configure merchant profiles.

Develop

Build with CyberSource SDKs for CP and CNP channels.

Test

Execute CP + CNP scenarios, validate fraud rules and 3DS flows.

Go Live

Launch with pilot merchants, monitor auth rates and fraud.

Onboard

Activate merchants via KYC, bank verification, and product setup.

use case

Other recipes you might combine

Many veterinary platforms also build for these adjacent verticals.

Hospitality

Restaurant POS and hotel retail gift shops.
 

Pet Care

Veterinary retail: supplies, food, accessories.
 

Marketplaces

Multi-vendor platforms with seller payouts.

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