completeMandate.consumerAuthentication {#uc_cc_complete_auth}
=============================================================

This field determines how a consumer is authenticated. You can authenticate a consumer using `3-D Secure`.  
You can set this field to one of these values:

* `NONE`: Consumer authentication does not run.
* `3DS`: `3-D Secure` authentication through `Payer Authentication` runs

{#uc_cc_complete_auth_ul_qhl_dth_njc} To initiate a passkey request for `Unified Checkout`, you must include these additional fields in your request:

* completeMandate.consumerAuthentication set to `PASSKEY`

* data.merchantInformation.merchantDescriptor.name

* data.acquirerInformation.country
  {#uc_cc_complete_auth_ul_wyp_s2r_vjc} When you use `Unified Checkout` with `Payer Authentication`, device data is collected through `Payer Authentication` setup and `Unified Checkout` completes all calls that are associated with `Payer Authentication`.  
  For information about challenge codes, see consumerAuthenticationInformation.challengeCode in the [REST API Field Reference](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/cons-auth-info-aa/cons-auth-info-challenge-code.md ""). Unified Checkout supports `3-D Secure` data only when your payment processor supports it. For information see [Visa Data Only](https://developer.cybersource.com/docs/cybs/en-us/payer-authentication/developer/all/rest/payer-auth/pa2-use-data-only-intro/pa2-use-data-only-visa-intro.md "") in the *`Payer Authentication` Developer Guide*.
  To test `Payer Authentication`, you must use `Payer Authentication` test cards. See [Test Cases for 3-D Secure 2.x](https://developer.cybersource.com/docs/cybs/en-us/payer-authentication/developer/all/rest/payer-auth/pa-testing-intro/pa-testing-3ds-2x-intro.md "") in the *`Payer Authentication` Developer Guide*.  
  Consumer authentication is available for these card types:

* American Express

* Cartes Bancaires

* China UnionPay

* Diners Club

* Discover

* EFTPOS

* ELO

* Jaywan

* JCB

* mada

* Maestro

* Mastercard

* Visa
  {#uc_cc_complete_auth_ul_sp5_52r_vjc}  
  Consumer authentication runs for these payment methods when they are supported in your `Unified Checkout` configuration:

* `PANENTRY`

* `CLICKTOPAY` when the transaction is not authenticated with `Click to Pay`.

* `GOOGLEPAY` when the transaction is not authenticated with Google Pay.
  {#uc_cc_complete_auth_ul_tp5_52r_vjc}  
  `Unified Checkout` does not attempt to authenticate for `Click to Pay` and Google Pay if the transaction has already been authenticated when it is received by `Unified Checkout`. For information about testing authentication, see [Test Authentication](/docs/cybs/en-us/unified-checkout/developer/all/rest/unified-checkout/uc-reference-test-cards/uc-appendix-authentication.md "").