3-D Secure

Payer Authentication

Service

The

Payer Authentication

service deters unauthorized card use and protects you from fraudulent chargeback activity by shifting liability to the issuer.

Payer Authentication

is available for Visa Secure, Mastercard Identity Check, American Express SafeKey, Diners Club ProtectBuy, and Discover ProtectBuy.

Smartpay Fuse

Payer Authentication

service is fully compliant with strong customer authentication guidelines.

Payer Authentication

is built into the

Secure Acceptance

Hosted Checkout Page and

Secure Acceptance

Checkout API

.

If you are using

Flex API

or

Microform Integration

to capture card details securely, you can integrate

Payer Authentication

using

the

Toolkit and

the Songbird JavaScript library supplied by Cardinal Commerce, our

3-D Secure

partner.

We recommend that you run

Payer Authentication

service as a combined call together with authorization service. With a combined call, you do not need to separately map authentication results into the authorization request.

We recommend that you test the

3-D Secure

Payer Authentication

system before opening your merchant gateway to the general public.

See the Payer Authentication Developer Guide for more information.