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How It Works

You can use the Microform Integration JavaScript library to securely replace sensitive input fields with -hosted secure iframes. These iframes capture payment information, including card numbers and eCheck data. This ensures that sensitive data is handled securely within your checkout process.

Accepting Card Information

For card transactions, the captured card number is replaced with a mathematically irreversible token that only you can use. This token can be used in place of the card number for follow-on transactions in existing APIs.

Microform Integration replaces these card payment fields in your input form:

  • Payment Card (PAN)
  • CVN
  • Month (non-sensitive)
  • Year (non-sensitive)

With this option you can pass imonth and year in the request (if required), but these fields are non-sensitive.

This figure shows the Microform Integration process for accepting card information.

Microform Integration Process with Card Information

Accepting eCheck Information

Microform Integration also supports the acceptance of eCheck information. As with card transactions, the sensitive eCheck data is securely captured and replaced with a token.

Accepting eCheck information enables merchants to collect funds from a customer's bank account through both the ACH service and eCheck service (US only) for either of these flows:

  • ACH services: a set of connections composed of the legacy gateway solutions where Cybersource serves as the gateway.
  • eCheck: the new service on Payments 2.0, is the acquirer solution where Cybersource is the acquirer.

Microform Integration replaces these eCheck information fields in your payment input form:

  • Routing Number
  • Account Number
  • Account type (non-sensitive)

This figure shows the Microform Integration process for accepting eCheck information.

Microform Integration Process with eCheck Information

Last published: September 29, 2026