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Set Up Customer Authentication for
Click to Pay

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.
Click to Pay
 authentication is available for Visa and Mastercard card types.
IMPORTANT
This authentication method is different from the authentication that is completed entirely in the
Visa Acceptance Solutions
 platform. To authenticate within the
Visa Acceptance Solutions
 platform, you must include the
consumerAuthentication
 field in your request.
These authentication methods are available:
  • 3-D Secure
  • FIDO/Passkey
  • Card verification value (CVV)
  • One-time password (OTP)
IMPORTANT
After you complete these steps, the card issuer determines which authentication method to use. When the issuer 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.
IMPORTANT
Click to Pay
 authentication is not the same as consumer authentication using the complete mandate. See Test Authentication.
  1. Log in to the
    Business Center
    :
    If you are unable to access this page, contact your sales representative.
  2. In the
    Business Center
    , go to the left navigation panel and choose
    Payment Configuration
     >
    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
    If
    Click to Pay
     is not enabled, click
    On
     next to
    Click to Pay
    .
    Manage Available Digital Payments Solutions
  3. Click
    Set up
     under Value Added Solutions. The Value Added Solutions page appears.
    Value Added Solutions Page
  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
    .

    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 and Mastercard 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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