CyberSource is the gateway that connects PCI-Compliant Andar databases with customers’ credit card processors. If your Andar database is PCI Compliant and if you purchased Andar’s Credit Card and ACH Payment module (CCAP), then you use CyberSource.
CyberSource recently announced an upcoming change related to processing refunds — for Visa, MasterCard, and Discover payments. (They sent emails to their customers’ contact persons. The subject of the email says ‘MasterCard Purchase Return Authorization (PRA) mandate.’) Previously, CyberSource did not charge their customers for processing a refund; but the new mandate indicates that they will begin doing so in the latter part of 2020.
This will potentially have an impact on Andar’s e-Pledge module. For example, if a donor has already confirmed a credit card payment (Visa, MasterCard, or Discover) and later updates that transaction (by changing the pledge type or dollar amount), Andar e-Pledge will tell CyberSource to process a refund to the donor (to reverse the donor’s original transaction). This will now result in a fee being charged to the customer (the nonprofit organization).
Andar Software plans to implement minor changes in Andar/360 to track this situation.
No action is required of you right now. (Please be aware that CyberSource may apply a small charge if you have any donor refunds.)
To get more details about the CyberSource PRA mandate and receive future updates, follow Andar Support Project #190897.