Payer Authentication

Payer Authentication
 uses the 3-D Secure protocol in online transactions to verify that payment is coming from the legitimate cardholder. Authenticating the payer before the transaction is authorized benefits the merchant by shifting chargeback liability from the merchant to the card issuer.

Prerequisites

You must meet these requirements to enable and configure
Payer Authentication
 for your merchants:
  • You must include a merchant website URL. 3-D Secure protocol requires that the website URL is in the format
    https://www.example.com
    . For information on adding a merchant website to your merchant account information, see Add Merchant Account Information.
  • You must include a merchant category code for your merchant. For information on adding a merchant category code to your merchant account information, see Add Merchant Account Information.
  • At least one 3-D Secure template must be available. For information on creating product templates, see Product Templates.

Status

When you add Payer Authentication to a merchant account, one of these statuses is assigned:
  • Boarded: The Payer Authentication configuration was successfully saved and the merchant can proceed to transact the card network using the specified currency.
  • Pending: The Payer Authentication configuration is partially saved or incomplete. Raise a ticket with customer support.

Add
Payer Authentication
 to a Merchant Account

Follow these steps to add
Payer Authentication
 to a merchant account:
  1. In the left navigation pane, click the
    Portfolio Management
     icon.
  2. Under Merchants, click
    Manage Merchants
    . The Manage Merchants page appears.
  3. Click
    + Add Merchant
    .
  4. Choose a location to board your merchant:
    • Board a new merchant account
       to create a new merchant account.
    • Add to an existing account
       to add a transacting merchant to an existing merchant organization.
    Click
    Next
    .
  5. If you are adding a transacting organization to an existing merchant account, search for the merchant account in the Boarding Presets section.
  6. If you have more than one boarding package, choose a boarding package from the drop-down menu, or enter text in the search field to find one. Click
    Next
    . If you have only one boarding package, the Boarding Package section does not display.
  7. Click
    Start
     in the Merchant Account Information section to enter account information. For more information, see Add Merchant Account Information.
  8. Optional: click
    Skip
     in the Hierarchy Details section to skip the hierarchy step.
  9. Click
    Start
     in the Transacting Organization and Products section to set up a transacting organization and configure products for it. The Transacting Organization and Products page appears.
  10. Under Transacting Organization Details, enter the transacting organization name and the organization ID.
  11. Under Product Enablement, find
    Payer Authentication
     and select
    Enabled
     from the Enablement drop-down menu.
  12. Click
    Configure
     to configure
    Payer Authentication
    .
  13. In the Payer Authentication Set Up drop-down menu, choose a template.
  14. Click
    Configure
     for each
    Payer Authentication
     card service that you want to configure.
    Your card processing settings and the accepted card types determine which of these services are available to you:
    • Visa Secure
    • Mastercard/Meeza Identity Check
    • American Express SafeKey
    • JCB J/Secure
    • Discover/Diners Club ProtectBuy
    • ELO
    • UnionPay 3-D Secure
    • Cartes Bancaires
  15. Click
    Enable
     on the Enable/Disable slider to configure acquirer currencies.
    1. Optional: Click
      Disable
       to disable acquirer currency configurations. Your existing configurations remain but are unavailable.
  16. Enter the acquirer merchant ID and acquirer ID. The acquirer merchant ID must be from 1 to 35 alphanumeric characters. The acquirer ID must be from 4 to 20 alphanumeric characters or a hyphen, and include
    -1000
    . For example,
    acquirerID-1000
    . An error message appears if the acquirer merchant ID or acquirer ID do not meet these specifications.

    ADDITIONAL INFORMATION

    For testing purposes, use Merchant ID:
    123456789
     and Acquirer ID:
    cybersource
    .
    For Cartes Bancaires, you must also enter the SIRET number.
  17. From the Currency drop-down menu, select the currency to enable for each acquirer. A
    Duplicate Currency
     warning appears when you have already configured a currency for an acquirer.
    IMPORTANT
    The default currency configuration includes all currencies. If you do not configure a currency for an acquirer, the default is used.
  18. Click
    Add more currency
     to configure another currency for an acquirer.
    1. Check the box next to
      Copy last Acquirer Merchant ID and Acquirer ID for new item
       to populate the acquirer merchant ID and acquirer ID fields.
  19. Click the trash can icon to delete a configuration.
  20. Click
    View all currencies
     to collapse or expand all currencies that are configured.
  21. Click
    Save
     to save your configuration and return to the Payer Authentication Set Up and Enablement page.
  22. If you do not want to save your changes, click
    Cancel
     to return to the Payer Authentication Set Up and Enablement page.
    1. A warning box appears and states that you have unsaved changes. Click
      Yes, cancel
       to return to the Payer Authentication Set Up and Enablement page without saving your configuration changes. Click
      Wait
       to stay on the card service configuration page.

Add
Payer Authentication
 to an Existing Organization

Follow these steps to add
Payer Authentication
 to an organization:
  1. In the left navigation pane, click the
    Portfolio Management
     icon.
  2. Under Merchants, click
    Manage Merchants
    . The Manage Merchants page appears.
  3. Search for the organization on the Manage Merchant page. For more information on searching for an organization, see Searching for Organizations (Version 2).
  4. Find the organization in the Search Results table, and click the eyeball icon. The Merchant Details page appears.
  5. In the Products section, click
    + Add Products
    . The Add a Product page appears.
  6. Select Payer Authentication and click
    Add
    .
  7. In the Payer Authentication Set Up drop-down menu, choose a template.
  8. Click
    Configure
     for each
    Payer Authentication
     card service that you want to configure.
    Your card processing settings and the accepted card types determine which of these services are available to you:
    • Visa Secure
    • Mastercard/Meeza Identity Check
    • American Express SafeKey
    • JCB J/Secure
    • Discover/Diners Club ProtectBuy
    • ELO
    • UnionPay 3-D Secure
    • Cartes Bancaires
  9. Click
    Enable
     on the Enable/Disable slider to configure acquirer currencies.
    1. Optional: Click
      Disable
       to disable acquirer currency configurations. Your existing configurations remain but are unavailable.
  10. Enter the acquirer merchant ID and acquirer ID. The acquirer merchant ID must be from 1 to 35 alphanumeric characters. The acquirer ID must be from 4 to 20 alphanumeric characters or a hyphen, and include
    -1000
    . For example,
    acquirerID-1000
    . An error message appears if the acquirer merchant ID or acquirer ID do not meet these specifications.

    ADDITIONAL INFORMATION

    For testing purposes, use Merchant ID:
    123456789
     and Acquirer ID:
    cybersource
    .
    For Cartes Bancaires, you must also enter the SIRET number.
  11. From the Currency drop-down menu, select the currency to enable for each acquirer. A
    Duplicate Currency
     warning appears when you have already configured a currency for an acquirer.
    IMPORTANT
    The default currency configuration includes all currencies. If you do not configure a currency for an acquirer, the default is used.
  12. Click
    Add more currency
     to configure another currency for an acquirer.
    1. Check the box next to
      Copy last Acquirer Merchant ID and Acquirer ID for new item
       to populate the acquirer merchant ID and acquirer ID fields.
  13. Click the trash can icon to delete a configuration.
  14. Click
    View all currencies
     to collapse or expand all currencies that are configured.
  15. Click
    Save
     to save your configuration and return to the Payer Authentication Set Up and Enablement page.
  16. If you do not want to save your changes, click
    Cancel
     to return to the Payer Authentication Set Up and Enablement page.
    1. A warning box appears and states that you have unsaved changes. Click
      Yes, cancel
       to return to the Payer Authentication Set Up and Enablement page without saving your configuration changes. Click
      Wait
       to stay on the card service configuration page.

Modify a
Payer Authentication
 Configuration for an Organization

Follow these steps to modify
Payer Authentication
 for an organization:
  1. In the left navigation pane, click the
    Portfolio Management
     icon.
  2. Under Merchants, click
    Manage Merchants
    . The Manage Merchants page appears.
  3. Search for the organization in the Manage Merchant page. For more information on searching for an organization, see Searching for Organizations (Version 2).
  4. Find the organization in the Search Results table and click the eyeball icon. The Merchant Details page appears.
  5. Under Products, click
    Modify
     next to Payer Authentication.
  6. In the Payer Authentication Set Up drop-down menu, choose a template.
  7. Click
    Configure
     for each
    Payer Authentication
     card service that you want to configure.
    Your card processing settings and the accepted card types determine which of these services are available to you:
    • Visa Secure
    • Mastercard/Meeza Identity Check
    • American Express SafeKey
    • JCB J/Secure
    • Discover/Diners Club ProtectBuy
    • ELO
    • UnionPay 3-D Secure
    • Cartes Bancaires
  8. Click
    Enable
     on the Enable/Disable slider to configure acquirer currencies.
    1. Optional: Click
      Disable
       to disable acquirer currency configurations. Your existing configurations remain but are unavailable.
  9. Enter the acquirer merchant ID and acquirer ID. The acquirer merchant ID must be from 1 to 35 alphanumeric characters. The acquirer ID must be from 4 to 20 alphanumeric characters or a hyphen, and include
    -1000
    . For example,
    acquirerID-1000
    . An error message appears if the acquirer merchant ID or acquirer ID do not meet these specifications.

    ADDITIONAL INFORMATION

    For testing purposes, use Merchant ID:
    123456789
     and Acquirer ID:
    cybersource
    .
    For Cartes Bancaires, you must also enter the SIRET number.
  10. From the Currency drop-down menu, select the currency to enable for each acquirer. A
    Duplicate Currency
     warning appears when you have already configured a currency for an acquirer.
    IMPORTANT
    The default currency configuration includes all currencies. If you do not configure a currency for an acquirer, the default is used.
  11. Click
    Add more currency
     to configure another currency for an acquirer.
    1. Check the box next to
      Copy last Acquirer Merchant ID and Acquirer ID for new item
       to populate the acquirer merchant ID and acquirer ID fields.
  12. Click the trash can icon to delete a configuration.
  13. Click
    View all currencies
     to collapse or expand all currencies that are configured.
  14. Click
    Save
     to save your configuration and return to the Payer Authentication Set Up and Enablement page.
  15. If you do not want to save your changes, click
    Cancel
     to return to the Payer Authentication Set Up and Enablement page.
    1. A warning box appears and states that you have unsaved changes. Click
      Yes, cancel
       to return to the Payer Authentication Set Up and Enablement page without saving your configuration changes. Click
      Wait
       to stay on the card service configuration page.