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Set Up Customer Authentication for Visa Click to Pay {#uc-authentication-steps}
===============================================================================

Follow these steps to use the `Business Center` to enable customer authentication through Click to Pay. Authentication methods differ in each region and are dependent on the issuer, the cardholder device, and the Click to Pay configuration. These authentication methods are available:

* `3-D Secure`
* FIDO
* Card verification value (CVV)
* One-time password (OTP)

> IMPORTANT
> After you complete these steps, Visa determines which authentication method to use. When Visa determines that they will authenticate, they authenticate each Click to Pay transaction through the appropriate method. This may be a frictionless authentication or the customer may need to provide more information when required by the issuer. This is available only through Visa.
> IMPORTANT
> Visa Click to Pay customer authentication is not the same as ` Payer Authentication ` using the complete mandate. See [Test Authentication](/docs/vas/en-us/click-to-pay/developer/all/rest/click-to-pay/uc-appendix-authentication.md "").

1. Log in to the `Business Center`:  
   Test URL: ` `<https://businesscentertest.visaacceptance.com/ebc2>` `  
   Production URL:` `<https://businesscenter.visaacceptance.com/ebc2>` `  
   If you are unable to access this page, contact your sales representative. {#uc-authentication-steps_step-1}
   {#uc-authentication-steps_step-1}

2. In the `Business Center`, go to the left navigation panel and choose **Payment Configuration** \&gt; **Unified Checkout**.  
   You must have Click to Pay enabled as a digital payment method in order to use this method of authentication. Click **Manage** to view the digital payment methods that you have enabled.  
   ![Manage Unified Checkout Digital Payments Solutions](/content/dam/new-documentation/documentation/en-us/topics/payments-processing/card-processing/unified-checkout/images/pmt-config-unified-payments-digitalpmtsolutions.png/jcr:content/renditions/original)  
   If Click to Pay is not enabled, click **On** next to Click to Pay.  
   ![Manage Available Digital Payments Solutions](/content/dam/new-documentation/documentation/en-us/topics/payments-processing/card-processing/click-to-pay/images/pmt-config-unified-payments-ctp.png/jcr:content/renditions/original) {#uc-authentication-steps_step-2}
   {#uc-authentication-steps_step-2}

3. Click **Set up** under Value Added Solutions. The Value Added Solutions page appears.  
   ![Value Added Solutions Page](/content/dam/new-documentation/documentation/en-us/topics/payments-processing/card-processing/unified-checkout/images/pmt-config-unified-payments-vas.png/jcr:content/renditions/original)

4. Click **Set up** to set up `3-D Secure`. The 3DS page appears.

5. Enter the required information in the Merchant Details section. You must enter the information that is provided to you by your acquirer or processor.  
   ![](/content/dam/new-documentation/documentation/en-us/topics/payments-processing/card-processing/unified-checkout/images/pmt-config-unified-payments-3ds.png/jcr:content/renditions/original)

   #### Step Result

   This completes the authentication setup for the entered acquirer merchant ID and BIN. If you do not know what these values are, you must contact your acquirer. Completing this information enables `Visa Acceptance Solutions` to send Visa the information that is required for authentication. IMPORTANT
   Charges for ` 3-D Secure ` may apply. You must speak with your acquirer for more information about the charges associated with ` 3-D Secure `.  
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