Payer Authentication

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CyberSource Payer Authentication services allow you to easily implement Verified by Visa, MasterCard® SecureCode™, American Express SafeKey® and JCB J/Secure™ through one connection, capturing the online payment guarantees offered by these major card programs.

Payer authentication programs (also referred to as 3-D Secure) help increase both cardholder and merchant confidence in Internet purchases, and help reduce disputes and fraudulent activity.

Additionally, the new CyberSource Rules Based Payer Authentication service allows you to configure rules (based on issuer and cardholder participation levels) to determine when to authenticate. The CyberSource Rules Based Payer Authentication Service can help improve the checkout experience and reduce abandonment.


  • One connection to implement multiple payer authentication programs
  • Support for Verified by Visa, MasterCard SecureCode, American Express SafeKey and JCB J/Secure
  • Managed upgrades and updates, as payer authentication programs change
  • Same connection as other CyberSource services
  • Can be purchased as a stand-alone service
  • Flexibility to choose when to authenticate (CyberSource Rules Based Payer Authentication Service)


The CyberSource Payer Authentication services give you the ability to:

  • Easily implement and maintain payer authentication through a single connection
  • Improve the checkout experience
  • Decrease checkout abandonment
  • Reduce your liability on applicable chargebacks*
  • Benefit from potential interchange reduction on authenticated transactions*

* consult with your acquirer for details

Implementation Guides

Payer Authentication Using the Simple Order API
Payer Authentication Using the SCMP API