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