what is the API that VISA recommending for the payment processing in a ecommerce site.
b2b / b2c
We need to know whether there are any PHP SDK for handling CyberSource Payments API.
Detailed instruction on how the x-pay-token can be generated for CyberSource Payments API with PHP
Please look into the payment methods in the below link and choose the one that is close to your use case.
There is no SDK currently available for Cybersource API. However for generating x-pay-token, you can refer to the sample code in the below link.