As a Visa solution, Payer Authentication offers these potential benefits:
Streamline and accelerate 3DS implementation by uniting Payer Authentication and risk management under the Visa umbrella. A robust, proven authentication network that supports tens of thousands of merchants and thousands of issuers, provides a rich source of payment data, and delivers 99.999% uptime. 2 Access to the latest 3DS capabilities with the support of Visa, a member of the standards body that develops and supports 3DS.
A 3DS solution from the global payment leader
Turn data insights into more good transactions
Payer Authentication uses data to help issuers identify risky transactions or determine if a transaction fits the buying patterns of a specific cardholder.
Recurring or pre-order transactions
Device and IP address information
Product price and quantity
Billing and shipping address
SKU
Better checkout experiences for loyal customers
Payer Authentication lets you add security without adding unnecessary friction, using EMV®1 3-D Secure (3DS ) to authenticate customers’ identities before authorization to help lower chargebacks, boost authorization rates, and secure your customer experience.
Payer Authentication uses the latest EMV 3-D Secure capabilities to authenticate payment credentials at the time of transaction so you can:
Authenticate cardholders on the front end so you can identify bad requests before sending for authorization.
Shift liability while reducing false declines.
Improve customer experience with a solution that’s optimized for mobile devices, multiple sales channels, and ease of integration.
Payer authentication is designed to enhance your current payment strategy with:
Broad device and channel support for mobile browser and mobile app transactions as well as non-payment-based authentication.
Flexible integration options, including web, mobile apps, and shopping cart modules—all designed to adapt to your unique needs.
Easy integration with fraud solutions so you can make the latest 3DS authentication capabilities an intelligent, fully integrated, customer-friendly piece of your fraud strategy.
Add 3DS authentication to your solution
Payer Authentication for EMV® 3-D Secure
Strengthen authentication without adding unnecessary friction to your payment experience.
Streamline and accelerate 3DS implementation by uniting Payer Authentication and risk management under the Visa umbrella.
Access to the latest 3DS capabilities with the support of Visa, a member of the standards body that develops and supports 3DS.
Access to the latest 3DS capabilities with the support of Visa, a member of the standards body that develops and supports 3DS.
3
2
1
An authentication approval is returned to the merchant, the merchant then submits the authorization request
Decline transaction or prompt for consumer challenge
CONSUMER
MERCHANT
EMV 3DS
ISSUER
Risk-scoring engine
Issuer rule set
Authentication occurs behind the scenes. No consumer impact.
Additional authentication is required.
3-D Secure authentication flow
LOW RISK
HIGH RISK
Payer authentication is designed to enhance your current payment strategy with:
Broad device and channel support for mobile browser and mobile app transactions as well as non-payment-based authentication.
Flexible integration options, including web, mobile apps, and shopping cart modules—all designed to adapt to your unique needs.
Easy integration with fraud solutions so you can make the latest 3DS authentication capabilities an intelligent, fully integrated, customer-friendly piece of your fraud strategy.
Add 3DS authentication to your solution
A 3DS solution from the global payment leader
Better checkout experiences for loyal customers
Payer Authentication lets you add security without adding unnecessary friction, using EMV®1 3-D Secure (3DS ) to authenticate customers’ identities before authorization to help lower chargebacks, boost authorization rates, and secure your customer experience.
Payer Authentication uses the latest EMV 3-D Secure capabilities to authenticate payment credentials at the time of transaction so you can:
Authenticate cardholders on the front end so you can identify bad requests before sending for authorization.
Shift liability while reducing false declines.
Improve customer experience with a solution that’s optimized for mobile devices, multiple sales channels, and ease of integration.
Payer Authentication for EMV® 3-D Secure
Strengthen authentication without adding unnecessary friction to your payment experience.
1 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.
2 Uptime based on the 12-month period, between January 1, 2022, and December 31, 2022, as reported February 2, 2023.
Get started
Turn data insights into more good transactions
Payer Authentication uses data to help issuers identify risky transactions or determine if a transaction fits the buying patterns of a specific cardholder.
Recurring or pre-order transactions
Device and IP address information
Product price and quantity
Billing and shipping address
SKU
Powerful security for your payment solution
Find out how Payer Authentication can help you tap the capabilities of EMV 3-D Secure to raise authorization rates, reduce fraud, and deliver better payment experiences.
As a Visa solution, Payer Authentication offers these potential benefits:
Streamline and accelerate 3DS implementation by uniting Payer Authentication and risk management under the Visa umbrella.
A robust, proven authentication network that supports tens of thousands of merchants and thousands of issuers, provides a rich source of payment data, and delivers 99.999% uptime.2
