CyberSource

Financial Services70% confidence

CyberSource is a global payment management and fraud prevention platform that processes online, in‑app, and card‑not‑present transactions for merchants and financial institutions.

Foster City, California, United States
cybersource.com
Owned by Visa Inc.

About CyberSource

CyberSource is a payment management company that provides online payment processing, fraud management, tokenization, and payment security services to businesses of all sizes. Headquartered in Foster City, California, it operates as a global payment gateway and risk management platform, helping merchants accept credit cards and alternative payment methods securely across e‑commerce, mobile, and call‑center channels. CyberSource was acquired by Visa Inc. and now functions as part of Visa’s merchant services ecosystem while retaining its own brand and platform.

A charge related to a descriptor like “AMONCYBS” is very likely tied to CyberSource’s payment processing, with “CYBS” indicating CyberSource as the gateway or processor. In many cases, the actual purchase is from another business (the merchant using CyberSource), but the statement may show an abbreviated or partially mapped descriptor that references CyberSource instead of (or in addition to) the underlying merchant name. These charges can represent one‑time online purchases, recurring subscription payments, or card verifications/authorization holds run through CyberSource on behalf of a merchant.

If you don’t recognize the charge, first check recent online and in‑app purchases, order confirmation emails, and receipts around the transaction date to identify which merchant uses CyberSource as its processor. Often, the email receipt from the store will mention CyberSource or Visa as the payment gateway. If you still can’t identify the transaction, contact your bank or card issuer and ask them to provide any additional merchant information tied to the transaction (such as a full descriptor or merchant contact). You can also contact CyberSource via their website to inquire, but in most cases your bank is the primary point of contact for disputes, chargebacks, or card cancellation if you suspect fraud.

Bank Statement Variations

1 known variations

These are the raw merchant codes that appear on bank and credit card statements that we've identified as belonging to CyberSource.

  1. AMONCYBS

Frequently Asked Questions

Why does my card statement show a charge with “CYBS” or “AMONCYBS” in the description?

The “CYBS” portion of a descriptor usually refers to CyberSource, a payment gateway used by many online merchants. The charge typically originates from a retailer or service provider that uses CyberSource to process its payments. The abbreviated portion before CYBS (such as “AMON”) may be a shortened or coded version of the actual merchant name.

Is CyberSource itself the one billing me, or is it another merchant behind the charge?

In most cases, CyberSource is acting only as the payment processor, not the seller. The actual charge is from the merchant that sold you goods or services; CyberSource routes and secures the transaction on their behalf. Your email receipt or order confirmation from the store will usually show the true merchant name even if the bank statement references CYBS.

How can I figure out which purchase corresponds to this CyberSource (CYBS) charge?

Match the transaction date and amount on your statement to recent online orders, app purchases, or subscriptions. Search your email for terms like “receipt,” “order confirmation,” or “invoice” around that date. Many receipts will mention CyberSource or Visa as the payment gateway; once you find the merchant that matches the exact amount and date, you’ve identified the source of the CYBS charge.

Could this CYBS charge be a temporary authorization hold?

Yes. Some merchants using CyberSource run small or full‑amount authorizations to verify your card, such as when you start a subscription, book a service, or update a saved card. These holds may appear as pending CYBS‑related charges and typically drop off within a few days if they are only authorizations and not final sales.

How do I request a refund for a CyberSource‑processed transaction?

Refunds must be initiated by the merchant that sold you the product or service, not by CyberSource directly. Contact the store, website, or app where you made the purchase and request a refund through their support or account portal. Once the merchant issues the refund through CyberSource, the credit will flow back to your card via your bank.

How can I cancel a recurring subscription that’s being processed through CyberSource?

You need to cancel through the merchant that provides the subscription—typically via your online account settings, billing portal, or the merchant’s customer support. After you cancel with the merchant, future recurring transactions will no longer be submitted through CyberSource to your card issuer.

What should I do if I suspect a fraudulent charge associated with CYBS on my statement?

Immediately contact your card issuer or bank using the phone number on the back of your card. Ask for details about the transaction and indicate that you do not recognize it. Your bank can block the card, investigate the charge, and file a dispute or chargeback if necessary. You generally should not provide card details directly to anyone claiming to be from CyberSource unless you initiated the contact through their official website.

How can I contact CyberSource for general support questions?

For general information, documentation, and business support, visit cybersource.com and use the Support or Contact sections appropriate for merchants. However, if you are a cardholder questioning a specific charge, your primary point of contact should be your bank or card issuer, as CyberSource generally works with merchants and financial institutions rather than individual cardholders.

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