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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. When the customer completes a transaction using a Visa card that is already stored in Click to Pay, authentication is 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.  
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, but you are using the complete mandate with the consumerAuthentication field set to `true`, authentication is attempted as part of this request. When you do not use the complete mandate, you must check the result of the cardholderAuthenticationStatus field in the transient token and reqeust `Payer Authentication` directly when it is required.

> IMPORTANT
> American Express and Mastercard card brands cannot be authenticated through Click to Pay customer authentication.

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](/docs/cybs/en-us/click-to-pay/developer/all/rest/click-to-pay/uc-capture-context-intro.md "").
* The transacting merchant ID that sends the transaction requests must be configured for tokenization with Click to Pay. You must contact your implementation consultant or technical account manager to configure tokenization with Click to Pay.
* 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
-------------------

![](/content/dam/new-documentation/documentation/en-us/topics/payments-processing/card-processing/unified-checkout/images/uc-ctp-auth-flow-740x800.svg/jcr:content/renditions/original)