Add Payer Authentication to Invoicing

You can enable Payer Authentication in your invoices.

Payer Authentication, also known as 3-D Secure, helps to minimize costly fraudulent transactions by adding an extra layer of protection to the payment process. The solution enables issuers to authenticate the cardholder using various available methods, such as one-time passwords and biometrics.

Supported Services and Card Types

Prerequisites

To sign up and enable Payer Authentication, complete these tasks:

1. Contact your account representative and provide your:
   • Test merchant ID
   • Merchant information (see Required merchant information)
2. Contact your acquirer (also known as the merchant bank) to establish the Payer Authentication service.
3. If you are using the API, your software developer should review the API fields and technical details of this service.

Required Merchant Information

To enable Payer Authentication services, contact customer support and provide this information about your company and acquiring bank.

About your company:

• Your merchant ID
• URL of your company's website (for example, http://www.example.com)
• Two-character ISO code for your country
• 3-D Secure requestor ID
• 3-D Secure requestor name
• Merchant category code

Bank information:

• Name of your bank acquirer
• Complete name and address of your bank contact, including email address

Payment card information (supported card types: American Express, Diners Club, Discover, JCB, Maestro, Mastercard, Visa)

Information provided by your acquirer about each payment card company for which you are configured, including:

• Six-digit bank identification number (BIN)
• Acquirer merchant ID (the merchant ID assigned by your acquirer)
• All currencies that you can process

Enable Payer Authentication

After completing the prerequisites, enable Payer Authentication using either the invoicing API or the .