HBL CyberSource

Detailed Explanation

HBL partners with CyberSource to offer enterprise-grade secure payment processing for large ecommerce merchants in Pakistan.

How It Works

Once you integrate HBL CyberSource into your ecommerce store, customers can seamlessly pay at checkout. HBL CyberSource handles the secure transmission of card details or wallet authorizations and returns a success response to your platform.

Requirements

To open an account with HBL CyberSource, businesses typically require:

• Valid CNIC of Directors / Owners
• Company Registration Documents (SECP or equivalent)
• Active Corporate Bank Account
• NTN (National Tax Number) Certificate

Advantages

• Localized payment methods suited for the Pakistani market.
• Direct settlement to local bank accounts in PKR.
• Developer-friendly APIs for custom integrations.

Limitations

• Requires strict compliance and KYC before going live.

Fees & Pricing

High setup cost and annual fees. Lowest card MDR (often under 2.0%) for high-volume merchants.

Settlement

Next day (T+1) directly to HBL corporate accounts.

Supported Integrations

• Custom API
• Magento
• WooCommerce