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 rate, increased revenue, and increased customer satisfaction and loyalty.

Authenticate customers on the front end

Authenticate customers on the front end, detecting more good requests before you send them for authorisation.

Add an extra layer of fraud prevention

Add an extra layer of fraud prevention while also minimising false declines.

Manage the customer experience

Manage the customer experience with a solution that’s optimised for mobile devices, multiple sales channels, and ease of integration.

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

Support PSD2 strong customer authentication (SCA) requirements

Learn how our solutions can help recognise and flag transactions that are out of scope for SCA and those that qualify for an SCA exemption.1

Experience the Visa difference

As a Visa Solution, Cybersource brings all the benefits and advantages of a global payment leader to your 3DS solution, along with their EMVCo membership. Learn more about the standards body that develops EMV®2 3-D Secure.

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.