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Enabling
Click to Pay

Click to Pay
 is a digital payment solution that allows customers to pay with their preferred card network and issuer without entering their card details on every website. Customers can use Visa, Mastercard, and American Express cards to streamline their purchase experience.
Click to Pay
 provides a fast, secure, and consistent checkout experience across devices and browsers.
Follow these steps to enable in
Click to Pay
 on
Unified Checkout
:
  1. Navigate to
    Payment Configuration >
    Unified Checkout
    .
  2. In the Click to Pay section, click
    Set Up
    .
  3. Enter your business name and website URL.
  4. Click
    Submit
    .
  5. Contact your implementation contact
    or technical account manager
     to request that you be enabled for tokenization within
    Click to Pay
    . Your implementation contact
    or technical account manager
     will confirm that you were configured successfully and that you can now accept digital payments with
    Click to Pay
    .
    IMPORTANT
    Click to Pay
     uses network tokenization for transactions. These network tokens are stored in the vault of the token requestor ID (TRID) for the card scheme.

Set Up Customer Authentication for Visa
Click to Pay

Follow these steps to use the
Business Center
 to enable customer authentication through
Click to Pay
. Authentication methods differ in each region and are dependent on the issuer, the cardholder device, and the
Click to Pay
 configuration. These authentication methods are available:
  • 3-D Secure
  • FIDO
  • Card verification value (CVV)
  • One-time password (OTP)
IMPORTANT
After you complete these steps, Visa determines which authentication method to use. When Visa determines that they will authenticate, they authenticate each
Click to Pay
 transaction through the appropriate method. This may be a frictionless authentication or the customer may need to provide more information when required by the issuer. This is available only through Visa.
IMPORTANT
Visa
Click to Pay
 customer authentication is not the same as
Payer Authentication
 using the complete mandate. See Test Authentication.
  1. Log in to the
    Business Center
    :
    If you are unable to access this page, contact your sales representative.
  2. In the
    Business Center
    , go to the left navigation panel and choose
    Payment Configuration
     >
    Unified Checkout
    .
    You must have
    Click to Pay
     enabled as a digital payment method in order to use this method of authentication. Click
    Manage
     to view the digital payment methods that you have enabled.
    Manage Unified Checkout Digital Payments Solutions
    If
    Click to Pay
     is not enabled, click
    On
     next to
    Click to Pay
    .
    Manage Available Digital Payments Solutions
  3. Click
    Set up
     under Value Added Solutions. The Value Added Solutions page appears.
    Value Added Solutions Page
  4. Click
    Set up
     to set up
    3-D Secure
    . The 3DS page appears.
  5. Enter the required information in the Merchant Details section. You must enter the information that is provided to you by
    your acquirer or processor
    .

    Step Result

    This completes the authentication setup for the entered acquirer merchant ID and BIN. If you do not know what these values are, you must contact
    your acquirer
    . Completing this information enables
    Cybersource
     to send Visa the information that is required for authentication.
    IMPORTANT
    Charges for
    3-D Secure
     may apply. You must speak with
    your acquirer
     for more information about the charges associated with
    3-D Secure
    .

Click to Pay
 Customer Authentication

When you enable customer authentication through
Click to Pay
, you give
Cybersource
 permission to send Visa the required authentication information for each transaction. When the customer completes a transaction using a Visa card that is already stored in
Click to Pay
, authentication is managed with
Click to Pay
. When the customer checks out using manual card entry and does not save their card to
Click to Pay
, the transaction is not processed through
Click to Pay
 and you must complete authentication based on your existing authentication method.
Click to Pay
 authentication is only available for Visa branded cards that are tokenized with
Click to Pay
. If
Click to Pay
 does not authenticate the transaction, but you are using the complete mandate with the
consumerAuthentication
 field set to
true
, authentication is attempted as part of this request. When you do not use the complete mandate, you must check the result of the
cardholderAuthenticationStatus
 field in the transient token and reqeust
Payer Authentication
 directly when it is required.
IMPORTANT
American Express and Mastercard card brands cannot be authenticated through
Click to Pay
 customer authentication.

Visa Prerequisites

Before you can begin customer authentication using
Click to Pay
, you must meet these requirements:
  • The
    allowPaymentTypes
     field must include
    CLICKTOPAY
     in the capture context.
    For more information, see Capture Context.
  • The transacting merchant ID that sends the transaction requests must be configured for tokenization with
    Click to Pay
    . You must contact your implementation consultant or technical account manager to configure tokenization with
    Click to Pay
    .
  • Set up Visa customer authentication in the
    Business Center
    . For information, see Set Up Customer Authentication for Visa Click to Pay.

Authentication Flow

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