Payer Authentication allows you to take full advantage of all the latest authentication capabilities available through 3-D Secure and deters unauthorized card use earlier in the transaction process. This can lead to increased authorization 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 authorization.
Add an extra layer of fraud prevention
Add an extra layer of fraud prevention while also minimizing false declines.
Manage the customer experience
Manage the customer experience with a solution that’s optimized for mobile devices, multiple sales channels, and ease of integration.
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.
Cybersource Payer Authentication complements and enhances your existing current fraud tools and strategies. When you use Decision Manager plus Payer Authentication to manage your eCommerce fraud strategy, you can manage 3DS authentication and payment approvals in a fully integrated solution.
Support PSD2 strong customer authentication (SCA) requirements
Learn how our solutions can help recognize and flag transactions that are out of scope for SCA and those that qualify for an SCA exemption.1
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.