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Important Points to Note When Configuring Your Integration
- Payer Authentication is enabled on your account as standard.
- Payer Authentication is mandated for European payments.
- Payer Authentication is NOT mandated for payments taken outside of Europe. This doesn’t mean that the service won’t be used, but the issuers may decide not to offer it.
- Payer Authentication infrastructure is complex with communication reaching across schemes, issuers, acquirers, and software providers. Due to this payer authentication outages can occur and during such occasions if you choose to continue to authorisation the issuer will decide whether they wish to authorise the transaction.
In these scenarios, merchants can continue to authorise and process a payment. Please note that if a payment is authorised and processed
without Payer authentication taking place then it can leave merchants open to fraudulent chargebacks. It is the merchant’s responsibility
as to whether they continue with these payments. If merchants don’t want to support these payments, then this should be considered during
initial set up and integration of the product or review possible fraud prevention tools offered through Smartpay Fuse to assist.