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Payment Method Configuration {#sa-payment-method-configuration}
===============================================================

You must configure at least one payment method before you can activate a profile.

Adding Card Types and Currencies {#sa-add-card-types-currencies}
================================================================

For each card type you choose, you can also manage currencies and payer authentication options. Choose only the types of payment cards and currencies that your merchant account provider authorizes.

> Secure Acceptance does not process transactions for cards that do not have a card verification number (CVN) and expiration date. Most China UnionPay debit and credit cards issued before 2016 do not have a CVN and expiration date. You must decide whether you will require the CVN.

1. In the left navigation panel, choose Payment Configuration \> `Secure Acceptance` Settings. The `Secure Acceptance` Settings page appears.

2. Choose a profile. The General Settings page appears.

3. Click Payment Settings. The Payment Settings page appears.

4. Click Add Card Types. The list of card types appear.

5. Check each card type that you want to offer to the customer as a payment method. Your payment processor must support the card types.

6. Click the settings icon for each card type. The card settings and currencies lists appear.

7. Check Payer Authentication.

8. Check the currencies for each card.

   #### ADDITIONAL INFORMATION

   By default, all currencies are listed as disabled. You must select at least one currency. Contact your merchant account provider for a list of supported currencies. If you select the Elo or Hipercard card type, only the Brazilian real currency is supported.

9. Click Submit. The card types are added as an accepted payment type.

10. Click Save.

Payer Authentication Configuration {#sa-payer-auth-configuration}
=================================================================

*Payer Authentication* is the `Cybersource` implementation of 3-D Secure. It prevents unauthorized card use and provides added protection from fraudulent chargeback activity. `Secure Acceptance` supports 3-D Secure 1.0 and 2.0.  
Before you can use Payer Authentication, you must contact Customer Support to configure your account. Your merchant ID must be enabled for payer authentication. For more information about payer authentication, see the [Payer Authentication Developer Guides](https://developer.cybersource.com/docs.md#PayerAuthentication "").  
For `Secure Acceptance`, `Cybersource` supports these kinds of payer authentication:

* American Express SafeKey
* China UnionPay (3-D Secure 2.0 only)
* Diners ProtectBuy
* J/Secure by JCB
* Mastercard Identity Check
* Visa Secure  
  For each transaction, you receive detailed information in the replies and in the transaction details page of the `Business Center`. You can store this information for 12 months. `Cybersource` recommends that you store the payer authentication data because you can be required to display this information as enrollment verification for any payer authentication transaction that you present again because of a chargeback.  
  Your merchant account provider can require that you provide all data in human-readable format.  
  The language used on each payer authentication page is determined by your issuing bank and overrides the locale you have specified. If you use the test card numbers for testing purposes the default language used on the payer authentication page is English and overrides the locale you have specified. See [Test and View Transactions](/docs/cybs/en-us/sa/developer/all/sa-checkout/secure-acceptance/sa-test-view-txns.md "").

Configuring Payer Authentication {#sa-configure-payer-authentication}
=====================================================================

1. In the left navigation panel, choose Payment Configuration \> `Secure Acceptance` Settings. The `Secure Acceptance` Settings page appears.
2. Choose a profile. The General Settings page appears.
3. Click Payment Settings. The Payment Settings page appears.
4. Choose a 3-D Secure version. If you choose 3‑D Secure 2.0 and the card issuer is not 3‑D Secure 2.0 ready, some transactions might still authenticate over 3‑D Secure 1.0. The payer_authentication_specification_version response field indicates which version was used.
5. Click Save. The card types that support payer authentication are:
   * American Express
   * Cartes Bancaires
   * China UnionPay
   * Diners Club
   * JCB
   * Mastercard
   * Maestro (UK Domestic or International)

* Visa

Enabling Automatic Authorization Reversals {#sa-enable-automatic-auth-reversals}
================================================================================

For transactions that fail to return an address verification system (AVS) or a card verification number (CVN) match, you can enable `Secure Acceptance` to perform an automatic authorization reversal. An automatic reversal releases the reserved funds held against a customer's card.

1. In the left navigation panel, choose Payment Configuration \> `Secure Acceptance` Settings. The `Secure Acceptance` Settings page appears.

2. Choose a profile. The General Settings page appears.

3. Click Payment Settings. The Payment Settings page appears.

4. Check Fails AVS check. Authorization is automatically reversed on a transaction that fails an AVS check.

5. Check Fails CVN check. Authorization is automatically reversed on a transaction that fails a CVN check.

6. Click Save.

   #### ADDITIONAL INFORMATION

When the AVS and CVN options are disabled and the transaction fails an AVS or CVN check, the customer is notified that the transaction was accepted. You are notified to review the transaction details. See [Types of Notifications](/docs/cybs/en-us/sa/developer/all/sa-checkout/secure-acceptance/sa-checkout-types-notifications.md "").

Enabling ACH Payments {#sa-enable-echecks}
==========================================

An ACH payment is a payment made directly from your customer's U.S. or Canadian bank account. As part of the checkout process, you must display a terms and conditions statement for ACH transactions.  
A customer must accept the terms and conditions before submitting an order. Within the terms and conditions statement it is recommended that you include a link to the table of returned item fees. The table lists by state the amount that your customer has to pay when a check is returned.

1. In the left navigation panel, choose Payment Configuration \> `Secure Acceptance` Settings. The `Secure Acceptance` Settings page appears.
2. Choose a profile. The General Settings page appears.
3. Click Payment Settings. The Payment Settings page appears.
4. Check Enable Echeck Payments. The list of account types appears.
5. Check the account type(s):
   * Checking
   * Savings
   * Corporate Checking
   * General Ledger
6. Click Add Currencies. The ACH settings page appears.
7. Check Select All or check each currency.
8. Click Save.

Enabling PayPal Express Checkout {#sa-enable-paypal-express-checkout}
=====================================================================

PayPal Express Checkout is not supported on a `Secure Acceptance` iframe integration.  
Contact `Cybersource` Customer Support to have your account configured for this feature. You must also create a PayPal business account. See [*PayPal Express Checkout Services Using Alternative Payment Services Simple Order API*](https://docs.cybersource.com/content/dam/new-documentation/documentation/en/altpay-paypal-express/developer/all/so/altpay-paypalexpress-so.pdf "").  
Add the PayPal Express Checkout payment method to your checkout page and redirect the customer to their PayPal account login. When logged in to their PayPal account they can review orders and edit shipping or payment details before completing transactions.

1. In the left navigation panel, choose Payment Configuration \> `Secure Acceptance` Settings. The `Secure Acceptance` Settings page appears.
2. Choose a profile. The General Settings page appears.
3. Click Payment Settings. The Payment Settings page appears.
4. Check Enable PayPal Express Checkout.
5. Check Allow customers to select or edit their shipping address within PayPal to allow customers to edit the shipping address details that they provided in the transaction request to `Secure Acceptance`. Customers select a new address or edit the address when they are logged in to their PayPal account.
6. When the transaction type is authorization, check one of these options:
   * Request a PayPal authorization and include the authorization response values in the response---check this option to create and authorize the PayPal order. The customer funds are not captured using this option. You must request a PayPal capture; see the PayPal guide. If the transaction type is ` sale `, ` Secure Acceptance ` authorizes and captures the customer funds.
   * Request a PayPal order setup and include the order setup response values in the response---check this option to create the PayPal order. The customer funds are not authorized or captured using this option. You must request a PayPal authorization followed by a PayPal capture request; see the PayPal guide. If the transaction type is ` sale `, ` Secure Acceptance ` authorizes and captures the customer funds.
7. Click Save.  
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