Payer Authentication Processing

Payer Authorization uses a two-step verification process to add an extra layer of fraud protection during the payment process. This two-step process uses customer data from two of the three categories:

Each payment card company has its own payer authentication product.

Payer Authentication can be used to satisfy the Strong Customer Authentication (SCA) requirement of the Payment Services Directive (PSD2). SCA applies to the European Economic Area (EEA) and the United Kingdom. It requires banks to perform additional checks when consumers make payments to confirm their identity.