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Test Your
Unified Checkout
 Configuration

This section contains information about testing your
Unified Checkout
 configuration.

Customer Authentication

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 outside of
Click to Pay
, if required.
IMPORTANT
American Express or Mastercard card brands cannot be authentication through
Click to Pay
. You must use another authentication method.
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.

Visa Prerequisites

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.
  • 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 more information, see Set Up Customer Authentication for Visa.

Authentication Flow

Set Up Customer Authentication for Visa

Follow these steps to use the
Business Center
 to enable customer authentication through
Click to Pay
. Authentication methods differ in each region and are dependent on the issuer, the cardholder device, and the
Click to Pay
 configuration. These authentication methods are available:
  • 3-D Secure
  • FIDO
  • Card verification value (CVV)
  • One-time password (OTP)
IMPORTANT
After you complete these steps, Visa determines which authentication method to use. When Visa determines that they will authenticate, they authenticate each
Click to Pay
 transaction through the appropriate method. This may be a frictionless authentication or the customer may need to provide more information when required by the issuer.
  1. Log in to the
    Business Center
    :
    If you are unable to access this page, contact your sales representative.
  2. In the
    Business Center
    , go to the left navigation panel and choose
    Payment Configuration
     >
    Unified Checkout
    .
    You must have
    Click to Pay
     enabled as a digital payment method in order to use this method of authentication. Click
    Manage
     to view the digital payment methods that you have enabled:
    Manage Unified Checkout Digital Payments Solutions
    If
    Click to Pay
     is not enabled, click
    On
     next to
    Click to Pay
    :
    Manage Available Digital Payments Solutions
  3. Click
    Set up
     under Value Added Solutions. The Value Added Solutions page appears.
    Value Added Solutions Page
  4. Click
    Set up
     to set up
    3-D Secure
    . The 3DS page appears.
  5. Enter the required information in the Merchant Details section. You must enter the information that is provided to you by your acquirer or processor.

    Step Result

    This completes the authentication setup for the entered acquirer merchant ID and BIN. If you do not know what these values are, you must contact your acquirer. Completing this information enables
    Cybersource
     to send Visa the information that is required for authentication.
    IMPORTANT
    Charges for
    3-D Secure
     may apply. You must speak with your acquirer for more information about the charges associated with
    3-D Secure
    .

Authentication Methods

Cybersource
 recommends that you review the response in the transient token and compare it with the information below in order to determine the authentication status. For more information about transient tokens, see Transient Tokens. This table describes the possible authentication results and the associated
processingInformation.commerceIndicator.value
 field values in the transient token.
Responses for Visa
Click to Pay
 Transactions for
Unified Checkout
Authentication Result
Unified Checkout
 Commerce Indicator Value
Successful authentication
processingInformation.commerceIndicator.value
 field value set to
VBV
 in the transient token.
No authentication
No commerce indicator in transient token.
For more information about the authentication methods that are supported for Visa, see this page: https://developer.visa.com/capabilities/visa-secure-remote-commerce/docs-use-cases