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Add Payer Authentication to Invoicing

You can enable Payer Authentication in your invoices.
Payer Authentication, also known as 3-D Secure, helps to minimize costly fraudulent transactions by adding an extra layer of protection to the payment process. The solution enables issuers to authenticate the cardholder using various available methods, such as one-time passwords and biometrics.
Invoicing supports these Payer Authentication services:
  • American Express SafeKey
  • JCB J/Secure
  • Mastercard Identity Check
  • Visa Secure
Card Types
Payer Authentication supports these card types:
  • American Express
  • Discover
  • JCB
  • Mastercard
  • Visa

Prerequisites for Payer Authentication

To sign-up and enable Payer Authentication, you must complete these tasks.
  1. Contact your
    Cybersource
     account representative and provide your:
  2. Contact your acquirer, also known as the merchant bank, to establish the Payer Authentication service.
  3. If you are using an API, your software developer should become familiar with the API fields and technical details of this service.

Required Merchant Information

To enable Payer Authentication services, contact customer support and provide this information about your company and acquiring bank.
Required Merchant Information for Payer Authentication Services
Information
Description
About your company
  • Your
    Cybersource
     merchant ID.
  • URL of your company’s website, for example:
    http://www.example.com
    .
  • Two-character ISO code for your country.
  • 3-D Secure requestor ID.
  • 3-D Secure requestor name.
  • Merchant category code.
Bank information
  • Name of your bank acquirer.
  • Complete name and address of your bank contact, including email address.
Payment card information
Supported card types:
  • American Express
  • Diners Club
  • Discover
  • JCB
  • Mastercard
  • Maestro
  • Visa
Information provided by your acquirer about each payment card company for which you are configured, including:
  • Six-digit BIN numbers.
  • Acquirer merchant ID: the merchant ID assigned by your acquirer.
  • All currencies that you can process.

Enable Payer Authentication

After completing the above requirements, you must enable Payer Authentication using either the invoicing API or the
Business Center
.
API Enablement
To enable Payer Authentication using the invoicing API, send an
update invoice settings
 request and set the
invoiceSettingsInformation.payerAuthenticationInInvoicing
 request field to
enable
.
For more information, see Update Invoice Settings.
Business Center
 Enablement
  1. Log in to the
    Business Center
    .
  2. On the
    Business Center
    's left navigation bar, navigate to
    Invoicing > Manage Invoices
    .
  3. Click
    Settings
    .
  4. Click the
    Security
     tab.
  5. Select the
    Enable
     option.
  6. Click
    Save
     when done.