Cybersource Payer Authentication for 3-D Secure

Payer Authentication allows you to take full advantage of all the latest authentication capabilities available through 3-D Secure and deters unauthorised card use earlier in the transaction process. This can lead to increased authorisation rates, increased revenue, and increased customer satisfaction and loyalty.

Turn enhanced data into more good transactions

Identify risky or fraudulent transactions

Collecting and sending additional data during the authentication process can help card issuers determine whether a transaction fits the buying patterns of a specific cardholder and identify risky or fraudulent transactions.

How it works

Payer Authentication process infographic
Payer Authentication process infographic

Related products

1 Strong Customer Authentication (SCA) must be applied to electronic payments within the EEA and the U.K. unless the transaction is out of scope or qualifies for an exemption.
2 EMV® is a registered trademark in the U.S. and other countries and an unregistered trademark elsewhere. The EMV trademark is owned by EMVCo, LLC.