What do you like best?
It is very easy to implement into most existing systems. It is an all in one solution for merchant account, payments, online shopping cart, and professional support. It is well designed and allows payments to be taken online and over the phone. It is setup from the beginning to accept all major credit cards and e-checks. Cybersource provides all of the back end support needed to be successful using their system. They use many anti fraud steps to make sure that the card is owned by the correct person.
What do you dislike?
If doing large volume of payments either over the phone or online, then the fees can be a little steep. There is a 0.35 cent fee for every transaction. Visa and Mastercards are subject to a 2.39% discount rate, but I think that is about average for most of the payment processing systems.
Recommendations to others considering the product
If you are looking for an all in one payment processing system, then this is what you are looking for, Be aware of all of the fees and charges up front with using the service. If you do a large volume, then you may be better off looking else where. But, for small to medium businesses, you can't go wrong with what is offered.
What business problems are you solving with the product? What benefits have you realized?
Having and eCommerce site where customers can purchase everything right from there as well as doing over the phone sales, Cybersource really gets the job done. There are not many times that I have had an issue with the system at all and when I did it could easily be solved.