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Click to Pay Customer Authentication {#uc-authentication}
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When you enable customer authentication through Click to Pay, you give `Cybersource` permission to send Visa the required authentication information for each transaction.  
Click to Pay authentication is only available for Visa branded cards that are tokenized with Click to Pay. If Click to Pay does not authenticate the transaction then you must authenticate it using another authentication method other than Click to Pay, if required.

> IMPORTANT
> American Express and Mastercard card types cannot be authenticated through Click to Pay Drop-In UI . You must use another authentication method for these card types.  
> When the customer completes a transaction using a Visa card that is already stored in Click to Pay, authentication can be managed with Click to Pay. When the customer checks out using manual card entry and does not save their card to Click to Pay, the transaction is not processed through Click to Pay and you must complete authentication based on your existing authentication method.

Visa Prerequisites
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Before you can begin customer authentication using Click to Pay, you must meet these requirements:

* The allowPaymentTypes field must include `CLICKTOPAY` in the capture context. For more information, see [Capture Context API](/docs/cybs/en-us/click-to-pay/developer/all/rest/click-to-pay/ctp-setup-capture-context.md "").
* Set up Visa customer authentication in the `Business Center`. For information, see [Set Up Customer Authentication for Visa Click to Pay](/docs/cybs/en-us/click-to-pay/developer/all/rest/click-to-pay/uc-authentication-steps.md "").

Authentication Flow
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![](/content/dam/new-documentation/documentation/en-us/topics/payments-processing/card-processing/click-to-pay/images/ctp-auth-flow-600x680.svg/jcr:content/renditions/original)  
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