CyberSource was founded by McKiernan in 1994 over a barbershop in Menlo Park , California . Today , CyberSource is a full-service payment management company , processing approximately 25 % of all U.S. online commerce and growing rapidly around the world . In 2008 the company processed 1.9 billion transactions , representing over $ 109 billion in transaction value . More than 262,000 businesses use CyberSource solutions , including half the companies comprising the Dow Jones Industrial Average .