`Payer Authentication` and `3-D Secure` {#salesforce-b2c-payer-authentication}
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Configure `Payer Authentication` and `3-D Secure` for enhanced transaction security.

1. Go to Merchant Tools \> Site Preferences \> Custom Preferences \> Cybersource_PayerAuthentication.

2. In `Payer Authentication` Mode, choose one of these options:

   #### ADDITIONAL INFORMATION

   * `Yes`: All transactions will process with `3-D Secure`.
   * `No`: No transactions will process with `3-D Secure`.
   * `Data Only + Yes`: Data Only will be used for Visa and Mastercard/Maestro. All other card brands will process with `3-D Secure`.
   * `Data Only + No`: Data Only will be used for Visa and Mastercard/Maestro. All other card brands will process without `3-D Secure`.
     {#salesforce-b2c-payer-authentication_ul_h4j_nlm_whc}
3. IsSCAEnabled: Enable this option to enforce Strong Consumer Authentication (`3-D Secure` Challenge) when a customer is saving their payment card for future transactions.