content: <PAGE>
  
                        SECURITIES AND EXCHANGE COMMISSION
                               Washington, DC 20549
  
  
                                     FORM 8-K
  
  
                                  CURRENT REPORT
                        PURSUANT TO SECTION 13 OR 15(d) OF
                        THE SECURITIES EXCHANGE ACT OF 1934
  
  
        Date of Report (Date of earliest event reported): January 25, 2000
                                (January 10, 2000)
  
  
                              CYBERSOURCE CORPORATION
          --------------------------------------------------------------
              (Exact Name of Registrant as Specified in its Charter)
  
  
                                     DELAWARE
               ----------------------------------------------------
                  (State or Other Jurisdiction of Incorporation)
  
                                                  77-0472961
        ------------------------    ---------------------------------------
        (Commission File Number)    (I.R.S. Employer Identification Number)
  
  550 South Winchester Blvd., Suite 301, San Jose, California                95128
  --------------------------------------------------------------------------------
  (Address of Principal Executive Offices)                              (Zip Code)
  
                                  (408) 556-9100
             --------------------------------------------------------
               (Registrant's telephone number, including area code)
  
                                  Not Applicable
         -----------------------------------------------------------------
           (Former Name or Former Address, if Changed Since Last Report)
  <PAGE>
  
  
  
                       INFORMATION TO BE INCLUDED IN REPORT
  
  
  
  Item 2.  Acquisition or Disposition of Assets
  
       On January 10, 2000, pursuant to the Agreement and Plan of Merger, dated as
  of January 10, 2000, by and among CyberSource Corporation, a Delaware
  corporation (the "Registrant"), Aurum Acquisition Corporation, a Delaware
  corporation ("Merger Sub"), and ExpressGold.com, Inc., a privately held South
  Dakota corporation ("ExpressGold") (the "Agreement"), the Registrant completed
  the merger of Merger Sub, a wholly-owned subsidiary of the Registrant, with and
  into ExpressGold, with ExpressGold being the surviving corporation of the merger
  and becoming a wholly-owned subsidiary of the Registrant. The transaction was
  closed on January 10, 2000 and is being accounted for as a pooling of interests
  transaction.
  
       As consideration for the transaction, the Registrant issued an aggregate of
  1,554,431 shares of the Registrant's common stock, $0.001 par value, in exchange
  for the outstanding shares of capital stock of ExpressGold, subject to the
  withholding of 10% of such shares in escrow in accordance with the terms of the
  Agreement. At the effective time of the merger, all outstanding options to
  purchase shares of ExpessGold common stock were automatically converted into
  options to purchase 12,067 shares of the Registrant's common stock based upon
  the conversion factor set forth in the Agreement with corresponding adjustment
  to their respective exercise prices. In addition, the Registrant has assumed
  ExpressGold's obligation to issue up to 58,710 shares of its common stock from
  time to time to an employee of ExpressGold.
  
       The Registrant currently intends that ExpressGold's business will continue
  to be operated in its current manner. Certain of the assets of ExpressGold were
  used in the development and support of ExpressGold's Internet-based store-value
  applications for use by online merchants, and the Registrant currently intends
  to use such assets in substantially the same manner.
  
       The total value of consideration paid for the purchase transaction was
  determined based on arm's length negotiations between the Registrant and
  ExpessGold, which took into account ExpressGold's financial position, operating
  history, products, intellectual property and other factors relating to
  ExpressGold's business and certain income tax aspects of the transaction. There
  are no material relationships between ExpressGold and either the Registrant or
  Merger Sub or any of their respective affiliates or any director or officer of
  the Registrant or Merger Sub or any associate of such director or officer.
  <PAGE>
  
  Item 7.  Financial Statements, Pro Forma Financial Information and Exhibits.
  
  (a)  Financial Statements of Businesses Acquired
       -------------------------------------------
  
       It is impractical for Registrant to file the required financial statements
       at this time. Registrant intends to file with the Securities and Exchange
       Commission such financial statements within 60 days of the filing date of
       this report.
  
  (b)  Pro Forma Financial Information
       -------------------------------
  
       See response to Item 7(a).
  
  (c)  Exhibits
       --------
  
       The Exhibit Index appearing on page 4 is incorporated herein by reference.
  
  
                                    SIGNATURES
  
  Pursuant to the requirements of the Securities Exchange Act of 1934, the
  Registrant has duly caused this report to be signed on its behalf by the
  undersigned hereunto duly authorized.
  
                                            CYBERSOURCE CORPORATION
                                            (the Registrant)
  
  
                                            By:  /s/ Charles E. Noreen, Jr.
                                               ----------------------------
                                               Charles E. Noreen, Jr.
                                               Vice President of Finance and
                                               Administration, and Chief
                                               Financial Officer
  
  Dated:  January 25, 2000
  
  
                                         3
  <PAGE>
  
                                   EXHIBIT INDEX
  
  
  <TABLE>
  <CAPTION>
                                                                  Sequentially
   Exhibit                                                          Numbered
   Number                          Description                        Page
   -------                         -----------                        ----
   <S>                  <C>                                        <C>
     2.1                Agreement and Plan of Merger by and            6
                        among CyberSource Corporation, Aurum
                        Acquisition Corporation, and
                        ExpressGold.com, Inc.
  
  
  </TABLE>
  <PAGE>
  
  Pursuant to Item 601(b)(2) of Regulation S-K, the following exhibits to this
  Agreement and Plan of Merger have been omitted. Such exhibits will be submitted
  to the Securities and Exchange Commission upon request.
  
         Exhibit                               Name
         -------                               ----
       Exhibit B               Confidentiality and Assignment Agreement
       Exhibit C               Opinion from Company Counsel
       Exhibit D               Opinion from Acquiror's Counsel
       Exhibit E               Affiliates Agreement
metadata_documents: [{"type": "8-K", "sequence": "1", "description": "FORM 8-K", "secsgml_size_bytes": 7039}]
metadata_filer: {"company-data": {"conformed-name": "CYBERSOURCE CORP", "cik": "0000934280", "assigned-sic": "7374", "irs-number": "770472961", "state-of-incorporation": "DE", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "000-26477", "film-number": "512864"}, "business-address": {"street1": "550 SOUTH WINCHESTER BLVD", "street2": "SUITE 301", "city": "SAN JOSE", "state": "CA", "zip": "95128", "phone": "4085569100"}, "mail-address": {"street1": "550 SOUTH WINCHESTER BLVD", "street2": "STE 301", "city": "SAN JOSE", "state": "CA", "zip": "95128"}}
text: SECURITIES AND EXCHANGE COMMISSION
                               Washington, DC 20549
  
                                     FORM 8-K
  
                                  CURRENT REPORT
                        PURSUANT TO SECTION 13 OR 15(d) OF
                        THE SECURITIES EXCHANGE ACT OF 1934
  
        Date of Report (Date of earliest event reported): January 25, 2000
                                (January 10, 2000)
  
                              CYBERSOURCE CORPORATION
          --------------------------------------------------------------
              (Exact Name of Registrant as Specified in its Charter)
  
                                     DELAWARE
               ----------------------------------------------------
                  (State or Other Jurisdiction of Incorporation)
  
                                                  77-0472961
        ------------------------    ---------------------------------------
        (Commission File Number)    (I.R.S. Employer Identification Number)
  
  550 South Winchester Blvd., Suite 301, San Jose, California                95128
  --------------------------------------------------------------------------------
  (Address of Principal Executive Offices)                              (Zip Code)
  
                                  (408) 556-9100
             --------------------------------------------------------
               (Registrant's telephone number, including area code)
  
                                  Not Applicable
         -----------------------------------------------------------------
           (Former Name or Former Address, if Changed Since Last Report)
  INFORMATION TO BE INCLUDED IN REPORT
  
  Item 2.  Acquisition or Disposition of Assets
  
       On January 10, 2000, pursuant to the Agreement and Plan of Merger, dated as
  of January 10, 2000, by and among CyberSource Corporation, a Delaware
  corporation (the "Registrant"), Aurum Acquisition Corporation, a Delaware
  corporation ("Merger Sub"), and ExpressGold.com, Inc., a privately held South
  Dakota corporation ("ExpressGold") (the "Agreement"), the Registrant completed
  the merger of Merger Sub, a wholly-owned subsidiary of the Registrant, with and
  into ExpressGold, with ExpressGold being the surviving corporation of the merger
  and becoming a wholly-owned subsidiary of the Registrant. The transaction was
  closed on January 10, 2000 and is being accounted for as a pooling of interests
  transaction.
  
       As consideration for the transaction, the Registrant issued an aggregate of
  1,554,431 shares of the Registrant's common stock, $0.001 par value, in exchange
  for the outstanding shares of capital stock of ExpressGold, subject to the
  withholding of 10% of such shares in escrow in accordance with the terms of the
  Agreement. At the effective time of the merger, all outstanding options to
  purchase shares of ExpessGold common stock were automatically converted into
  options to purchase 12,067 shares of the Registrant's common stock based upon
  the conversion factor set forth in the Agreement with corresponding adjustment
  to their respective exercise prices. In addition, the Registrant has assumed
  ExpressGold's obligation to issue up to 58,710 shares of its common stock from
  time to time to an employee of ExpressGold.
  
       The Registrant currently intends that ExpressGold's business will continue
  to be operated in its current manner. Certain of the assets of ExpressGold were
  used in the development and support of ExpressGold's Internet-based store-value
  applications for use by online merchants, and the Registrant currently intends
  to use such assets in substantially the same manner.
  
       The total value of consideration paid for the purchase transaction was
  determined based on arm's length negotiations between the Registrant and
  ExpessGold, which took into account ExpressGold's financial position, operating
  history, products, intellectual property and other factors relating to
  ExpressGold's business and certain income tax aspects of the transaction. There
  are no material relationships between ExpressGold and either the Registrant or
  Merger Sub or any of their respective affiliates or any director or officer of
  the Registrant or Merger Sub or any associate of such director or officer.
  Item 7.  Financial Statements, Pro Forma Financial Information and Exhibits.
  
  (a)  Financial Statements of Businesses Acquired
       -------------------------------------------
  
       It is impractical for Registrant to file the required financial statements
       at this time. Registrant intends to file with the Securities and Exchange
       Commission such financial statements within 60 days of the filing date of
       this report.
  
  (b)  Pro Forma Financial Information
       -------------------------------
  
       See response to Item 7(a).
  
  (c)  Exhibits
       --------
  
       The Exhibit Index appearing on page 4 is incorporated herein by reference.
  
                                    SIGNATURES
  
  Pursuant to the requirements of the Securities Exchange Act of 1934, the
  Registrant has duly caused this report to be signed on its behalf by the
  undersigned hereunto duly authorized.
  
                                            CYBERSOURCE CORPORATION
                                            (the Registrant)
  
                                            By:  /s/ Charles E. Noreen, Jr.
                                               ----------------------------
                                               Charles E. Noreen, Jr.
                                               Vice President of Finance and
                                               Administration, and Chief
                                               Financial Officer
  
  Dated:  January 25, 2000
  
                                         3
  EXHIBIT INDEX
  Sequentially
   Exhibit                                                          Numbered
   Number                          Description                        Page
   -------                         -----------                        ----
  2.1                Agreement and Plan of Merger by and            6
                        among CyberSource Corporation, Aurum
                        Acquisition Corporation, and
                        ExpressGold.com, Inc.
  Pursuant to Item 601(b)(2) of Regulation S-K, the following exhibits to this
  Agreement and Plan of Merger have been omitted. Such exhibits will be submitted
  to the Securities and Exchange Commission upon request.
  
         Exhibit                               Name
         -------                               ----
       Exhibit B               Confidentiality and Assignment Agreement
       Exhibit C               Opinion from Company Counsel
       Exhibit D               Opinion from Acquiror's Counsel
       Exhibit E               Affiliates Agreement