Compare SEON vs Cybersource

Compare SEON vs Cybersource

October 13, 2021

Picking the wrong fraud prevention software for your business can lead to high false positives, create gaps in your defenses for fraudsters to exploit, and ultimately massively impact revenue. This article will compare SEON and Cybersource’s offerings. 

Disclaimer: Everything written about the companies mentioned in this article was gleaned from online research including user reviews. We did not have time to manually test all the tools. However, we ensured the information was correct as of Fall 2021. Feel free to contact us to request an update/correction.

About Cybersource 

Cybersource is a Visa-owned company that is primarily focused on payment processing. More than 450,000 businesses worldwide use Cybersource solutions in over 190 countries. 

Founded in 1994, the company has been vital to the growth of eCommerce having “pioneered online payment and fraud management services for medium and large-sized merchants.”

In 2020, they processed 21 billion transactions and the equivalent of US $599B in payment volume worldwide (including its subsidiary Authorize.net).

Key Products

  • Cybersource offers payment processing, fraud management, and data security all through one platform.
  • They also offer other services including: payment distribution, Global Tax Calculation, VAT compliance requirements, Dynamic Currency Conversion, Recurring Billing, and more.

Pros of Cybersource
  • Ability to handle both payments and risk within one integration for merchants that accept point-of-sale, phone, and Web-based payments.
  • Analysts located in six different continents to offer specific knowledge of markets.

Cons of Cybersource
  • Only suitable for larger businesses working with looking at mass transactions (costs will presumably match this too.)
  • Limited ability to develop multi-layered risk management product stacks.
  • No access to real-time, live information – although they do have access to billions of transactions through their own data and Visa.

SEON Vs Cybersource Features Comparison Table

 

SEON Sense

Cybersource

Data aggregation
IP Analysis Yes Yes
Email data enrichment  Yes Yes via Emailage Partnership
Phone data enrichment Yes No
Find user social media Yes, checks 35+ platforms No
Device Fingerprinting Yes Yes
BIN for transaction Yes Yes
Behavior tracking Yes, via custom rules Yes
User authentication Yes Yes
Risk analysis
Custom rules Yes Yes
Machine learning suggestions Yes Yes
Industry preset rules Yes Yes
Risk score Yes Yes
Integration / deployment
API calls Yes Yes
Modular APIs Yes Yes
Custom API fields Yes Yes
GUI Yes Yes
Chrome extension Yes  No
Manual query Yes Yes
Graph visualisation No No
Reporting Yes Yes
Team management Yes Yes
Integration with other tools Yes Yes
Pricing
Chargeback guarantee No No
Free integration Yes No
Free support Yes Yes
Free trial Yes No
Cost per month Flexible tiered pricing based on API requests starting from €99. N/A. Contact their sales team for more info.

Where SEON wins Over Cybersource

  • SEON offers a more flexible, more affordable fraud-focused solution to manage risk thresholds with more control.
  • Access to live social data enables businesses to create more complete profiles of their customers/users with more opportunities to develop a multi-layered system with other products in the market.
  • SEON products are also tailored for specific industry problems like coupon/bonus abuse which CyberSource doesn’t cover.

Where Cybersource Wins Over SEON

  • Their availability of both payments and fraud management in one space is a huge advantage for some businesses as it takes a huge weight off their shoulders operations-wise.
  • Cybersource offers a complete, layered risk platform developed through years of experience and continues to work with some of the biggest brands globally.

SEON vs Cybersource Conclusion

Choose SEON if
  • Your businesses require more information about users that enter your site to establish identity trust to maximize profits, reduce fraud and minimize false positives. 

Choose Cybersource if
  • You are a large-scale enterprise looking for an easy-to-use platform that handles both payments and risk management through one integration. 
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Author avatar
SEON Team


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