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Introducing Payer Authentication

Cybersource Payer Authentication services use JavaScript and the ICS services to provide authentication.

Payer Authentication services enable you to add support to your web store for card authentication services, including Visa Secure^SM, Mastercard Identity Check^®, Maestro^® (UK Domestic and international), American Express SafeKey^SM, JCB J/Secure™, Diners Club ProtectBuy, Discover ProtectBuy, China UnionPay, and Elo Compra Segura.

These card authentication services deter unauthorized card use and protect you from fraudulent chargeback activity referred to as liability shift. However, Cybersource Payer Authentication is not a fraud management service, such as Decision Manager with Advanced Fraud Screen. Cybersource recommends that you implement a comprehensive fraud management program in addition to payer authentication services.

You can use payer authentication services with specific payment processors. To find out if your payment processor supports this feature, see the “Payer Authentication” section in Credit Card Services Using the SCMP API (PDF | HTML).