Payer Authentication

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

.

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.