Enforcing Strong Customer Authentication

Select the Enforce Strong Customer Authentication setting to prompt a 3-D Secure (3DS) challenge when a customer saves their credit card information. The customer is 3DS challenged when a transaction is declined as reported by response code 478 (Strong Customer Authentication required). After the transaction is declined, another request is sent for the same order.
The Enforce Strong Customer Authentication setting is only available when the Payer Authentication/3-D Secure (General Plugin setting) and Tokenization (Fraud Management Plugin setting) are enabled. See Enable 3-D Secure (Payer Auth) and Enable Tokenization for information about enabling these settings.
Follow these steps to enable Enforce Strong Customer Authentication:
  1. Open OpenCart Back Office and select
    Extensions
     >
    Extensions
     >
    Payments
     >
    Cybersource
    Unified Checkout
    .
  2. Select the
    Edit
     icon.
  3. From the drop down menu next to Enforce SCA for Saving Card, select
    Enable
    .
  4. Click the
    Save
     icon.