Rules-Based Payer Authentication

CyberSource Rules-Based Payer Authentication provides you control over the user experience, along with all of benefits of traditional 3-D Secure, including fraud liability shift and reduced interchange. You can decide when to request payer authentication protection – helping ensure a seamless checkout experience for your good customers. 


  • Decide in advance which types of authentications to enable
  • One connection to implement multiple payer authentication programs
  • Support for Verified by Visa, MasterCard SecureCode, American Express SafeKey, JCB J/Secure and Elo
  • Managed upgrades and updates as payer authentication programs change


  • Improves the customer experience while gaining the benefits of payer authentication
  • Provides control when to invoke traditional 3-D Secure and helps avoid unnecessary checkout disruption
  • Gain the benefits of liability shift to the card issuer and potentially lowers interchange costs
  • Increases conversion rates by reducing checkout abandonment for those using
    traditional 3-D Secure
  • Helps reduce the number of orders sent to manual review

Implementation Guides

Payer Authentication Using the Simple Order API
Payer Authentication Using the SCMP API