Payer Authentication for EMV® 3-D Secure
Add an additional layer of protection to your fraud management strategy
Make life tough on fraudsters—and easier on your loyal customers
Catching more unauthorized card use earlier in the transaction process can lead to fewer chargebacks, higher authorization rates, and a more secure cardholder experience. Payer Authentication helps make that possible—by using the EMV® 3-D Secure protocol to authenticate customers’ identities before their payments are authorized.
© Any brand name is the property of it’s respective owner, is used for identification purposes only, and does not imply product endorsement or affiliation with Cybersource. EMV® is a registered trademark in the U.S. and other countries and an unregistered trademark elsewhere. The EMV trademark is owned by EMVCo, LLC.
1 Based on VisaNet transactions over an annual year.
Learn more
Payer Authentication is designed to complement and enhance your current fraud tools and strategies, not replace them. With Payer Authentication, you can take advantage of:
Broad device and channel support for mobile browser and mobile appbased authentication transactions, as well as non-payment-based authentication.
Flexible integration options, including web, mobile applications, and shopping cart modules— all designed to adapt to and accommodate your unique needs and requirements.
Easy integration with Decision Manager, so you can quickly add Payer Authentication to your fraud management solution. With Decision Manager plus Payer Authentication, you can make the latest 3DS authentication capabilities an intelligent, fully integrated and customer-friendly piece of your fraud management strategy.
Make 3DS authentication part of your end-to-end fraud management solution
You can’t afford fraud. But your customers won’t tolerate complicated, frustrating payment experiences either. Payer Authentication allows you to take full advantage of all the latest authentication capabilities in EMV 3-D Secure to improve your fraud performance without adding unnecessary friction to your payment experiences. With Payer Authentication, you can:
Authenticate cardholders on the front end so you can identify more bad requests before you send them for authorization.
Add an extra layer of fraud protection while also minimizing false declines.
Improve the customer experience with a solution that’s optimized for mobile devices, multiple sales channels, and ease of integration.
Turn enhanced transaction data into more good transactions
With Payer Authentication, you can collect and send additional data during the authentication process to help issuers determine whether a transaction fits the buying patterns of a specific cardholder and identify risky or fraudulent transactions:
SKU
Billing and shipping address
Product price and quantity
Device and IP address information
Recurring or pre-order transactions
How Payer Authentication works
Prompt for consumer challenge or require additional verification
Authentication request
1
Risk-scoring
engine
2
High risk
Additional authentication is required
3
Low risk
Authentication occurs behind the scenes
An authentication approval is returned to the merchant
Issuer rule set
High risk
Additional authentication is required
Authentication request
Risk-scoring engine
Acquirer
Payer Authentication
3DS
Merchant
Consumer
1
2
3
Payer Authentication is a Visa solution, which means you can:
Streamline and accelerate your 3DS implementation by bringing all of your payer authentication and risk management components under a unified Visa umbrella.
Take advantage of a proven and robust authentication network that supports tens of thousands of merchants and thousands of issuers, provides a rich source of payment data, and delivers 99.99% uptime.1
Have confidence that we have access to the latest 3DS specification and capabilities because Visa is a member of the EMVCo, the standards body that develops and supports 3DS.
Choose a 3DS solution from the global payment leader
Add Payer Authentication to your fraud management solution today
Find out how Payer Authentication can help you tap into the advantages and capabilities of 3-D Secure to reduce fraud, raise authorize rates and deliver better payment experiences.
© Any brand name is the property of it’s respective owner, is used for identification purposes only, and does not imply product endorsement or affiliation with Cybersource. EMV® is a registered trademark in the U.S. and other countries and an unregistered trademark elsewhere. The EMV trademark is owned by EMVCo, LLC.
1 Based on VisaNet transactions over an annual year.
Add Payer Authentication to your fraud management solution today
Learn more
Find out how Payer Authentication can help you tap into the advantages and capabilities of 3-D Secure to reduce fraud, raise authorize rates and deliver better payment experiences.
Choose a 3DS solution from the global payment leader
3DS
Consumer
Merchant
Payer Authentication
Acquirer
Low risk
Authentication occurs behind the scenes
High risk
Additional authentication is required
Issuer rule set
Authentication request
1
Risk-scoring engine
2
High risk
Additional authentication is required
3
Prompt for consumer challenge or require additional verification
An authentication approval is returned to the merchant
How Payer Authentication works
Turn enhanced transaction data into more good transactions
With Payer Authentication, you can collect and send additional data during the authentication process to help issuers determine whether a transaction fits the buying patterns of a specific cardholder and identify risky or fraudulent transactions:
Recurring or pre-order transactions
Device and IP address information
Product price and quantity
Billing and shipping address
SKU
Make life tough on fraudsters—and easier on your loyal customers
Catching more unauthorized card use earlier in the transaction process can lead to fewer chargebacks, higher authorization rates, and a more secure cardholder experience. Payer Authentication helps make that possible—by using the EMV® 3-D Secure protocol to authenticate customers’ identities before their payments are authorized.
You can’t afford fraud. But your customers won’t tolerate complicated, frustrating payment experiences either. Payer Authentication allows you to take full advantage of all the latest authentication capabilities in EMV 3-D Secure to improve your fraud performance without adding unnecessary friction to your payment experiences. With Payer Authentication, you can:
Authenticate cardholders on the front end so you can identify more bad requests before you send them for authorization.
Add an extra layer of fraud protection while also minimizing false declines.
Improve the customer experience with a solution that’s optimized for mobile devices, multiple sales channels, and ease of integration.
Payer Authentication is designed to complement and enhance your current fraud tools and strategies, not replace them. With Payer Authentication, you can take advantage of:
Broad device and channel support for mobile browser and mobile appbased authentication transactions, as well as non-payment-based authentication.
Flexible integration options, including web, mobile applications, and shopping cart modules— all designed to adapt to and accommodate your unique needs and requirements.
Easy integration with Decision Manager, so you can quickly add Payer Authentication to your fraud management solution. With Decision Manager plus Payer Authentication, you can make the latest 3DS authentication capabilities an intelligent, fully integrated and customer-friendly piece of your fraud management strategy.
Make 3DS authentication part of your end-to-end fraud management solution
Payer Authentication for EMV® 3-D Secure
Add an additional layer of protection to your fraud management strategy