Click to Pay

Customer Authentication

When you enable customer authentication through

Click to Pay

, you give

Visa Acceptance Solutions

permission to request that Visa and Mastercard provide an authenticated payload for each transaction. Authentication takes place within the authentication service of each card type. You must inspect the payload that is returned to you to determine if the transaction is authenticated.

For information about enabling customer authentication through

Click to Pay

, see these topics:

Enable Click to Pay Customer Authentication Using the API
Enable Click to Pay Customer Authentication Using the Business Center

When the customer completes a transaction using a Visa or Mastercard

Click to Pay

credentials, authentication is managed within

Click to Pay

. When the customer checks out using manual card entry and does not save their card to

Click to Pay

, the transaction is not processed through

Click to Pay

and you must complete authentication based on your existing authentication method.