Configuring Payer Authentication {#adobe-commerce-m-config-payer-auth}
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The Payer Authentication (`3-D Secure`) protocol reduces fraud and security to online payments. `3-D Secure` adds frictionless authentication and improves the user experience. You must have the SOAP Toolkit configured to use this service.  
Follow these steps to configure the Payer Authentication section:

1. Click Payer Authentication to expand the section.
2. From the Enabled drop-down list, choose Yes to activate the Payer Authentication Module or No to deactivate it.
3. From the Credit Card Types field box, choose the card types to be enabled for Payer Authentication.