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Payer Authentication Configuration

Payer authentication is the Cybersource implementation of 3-D Secure. It deters 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 Cybersource Payer Authentication, you must contact Cybersource Customer Support so that Cybersource can configure your account. Your merchant ID must be enabled for payer authentication. For more information about payer authentication, see the

Payer Authentication Developer Guides

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 that you specified. If you use the test card numbers, the default language used on the payer authentication page is English and overrides the locale you have specified. See Test and View Transactions.