Add Payer Authentication to Invoicing {#invoicing-features-intro}
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You can enable Payer Authentication in your invoices.  
Payer Authentication, also known as 3-D Secure, helps to minimize costly fraudulent transactions by adding an extra layer of protection to the payment process. The solution enables issuers to authenticate the cardholder using various available methods, such as one-time passwords and biometrics.  
Invoicing supports these Payer Authentication services:

* American Express SafeKey
* JCB J/Secure
* Mastercard Identity Check
* Visa Secure

Card Types
:
Payer Authentication supports these card types:

    * American Express
    * Discover
    * JCB
    * Mastercard
    * Visa

Prerequisites for Payer Authentication
--------------------------------------

To sign-up and enable Payer Authentication, you must complete these tasks.

1. Contact your `Visa Acceptance Solutions` account representative and provide your:
   * `Visa Acceptance Solutions` test merchant ID
   * [Merchant information](#invoicing-features-intro_pa-required-merchant-info-table "")
2. Contact your acquirer, also known as the merchant bank, to establish the Payer Authentication service.
3. If you are using an API, your software developer should become familiar with the API fields and technical details of this service.

Required Merchant Information {#invoicing-features-intro_merch-info}
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To enable Payer Authentication services, contact customer support and provide this information about your company and acquiring bank.

| Information                                                                                                                                                               | Description                                                                                                                                                                                                                                                                                   |
|:--------------------------------------------------------------------------------------------------------------------------------------------------------------------------|:----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| About your company                                                                                                                                                        | * Your `Visa Acceptance Solutions` merchant ID. * URL of your company's website, for example: *http://www.example.com*. * Two-character ISO code for your country. * 3-D Secure requestor ID. * 3-D Secure requestor name. * Merchant category code. {#invoicing-features-intro_ul-company}   |
| Bank information                                                                                                                                                          | * Name of your bank acquirer. * Complete name and address of your bank contact, including email address. {#invoicing-features-intro_ul-bank}                                                                                                                                                  |
| Payment card information Supported card types: * American Express * Diners Club * Discover * JCB * Mastercard * Maestro * Visa {#invoicing-features-intro_ul_ydn_sfk_byb} | Information provided by your acquirer about each payment card company for which you are configured, including: * Six-digit BIN numbers. * Acquirer merchant ID: the merchant ID assigned by your acquirer. * All currencies that you can process. {#invoicing-features-intro_ul-card-company} |
[Required Merchant Information for Payer Authentication Services]

Enable Payer Authentication
---------------------------

After completing the above requirements, you must enable Payer Authentication using either the invoicing API or the `Business Center`.

API Enablement
:
To enable Payer Authentication using the invoicing API, send an *update invoice settings* request and set the invoiceSettingsInformation.payerAuthenticationInInvoicing request field to `enable`.

    For more information, see [Update Invoice Settings](/docs/vas/en-us/invoicing/developer/all/rest/invoicing/invoicing-settings-intro/invoicing-settings-update.md "").

`Business Center` Enablement
:
1. Log in to the `Business Center`.
* **Test:**  
[`https://businesscentertest.visaacceptance.com`](https://businesscentertest.visaacceptance.com/ebc2/ "")
* **Production:**  
[`https://businesscenter.visaacceptance.com`](https://businesscenter.visaacceptance.com/ebc2/ "")
2. On the `Business Center`'s left navigation bar, navigate to ![](/content/dam/documentation/cybs/en-us/common/images/ebc/ebc-bttn-invoicing.svg/jcr:content/renditions/original) Invoicing \> Manage Invoices.
3. Click ![](/content/dam/documentation/cybs/en-us/common/images/ebc/ebc-icon-accnt-mgmt.svg/jcr:content/renditions/original) **Settings**.  
![](/content/dam/documentation/cybs/en-us/topics/payments-processing/payment-services/invoicing/images/invoicing-payerauth-ebc-settings.png/jcr:content/renditions/original)
4. Click the **Security** tab.
5. Select the **Enable** option.
6. Click **Save** when done.  
![](/content/dam/documentation/cybs/en-us/topics/payments-processing/payment-services/invoicing/images/invoicing-settings-enable.png/jcr:content/renditions/original)