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Set Up Customer Authentication for
Unified Click to Pay

After you enable
Click to Pay
 and upload your encryption key, you must set up customer authentication for
Unified Click to Pay
. Follow these steps to use the
Business Center
 to enable customer authentication through
Unified 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.
  1. Log in to the
    Business Center
    :
    If you are unable to access this page, contact your sales representative.
  2. In the
    Business Center
    , from the navigation panel choose
    Payment Configuration
     >
    Unified Checkout
    .
    You must have
    Click to Pay
     enabled as a digital payment method 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. Enter the account details and click
    Update
    .
  4. Click
    Set up
     under Value Added Solutions. The Value Added Solutions page appears.
    Value Added Solutions Page
  5. Click
    Set up
     to set up
    3-D Secure
    . The 3DS page appears.
  6. 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
    .
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