1. Commerce
  2. Store Front
  3. Web Store Transactions
  4. Payment Options
  5. Credit Card Payer Authentication

Credit Card Payer Authentication

Credit card payer authentication is available for credit cards used in your Commerce website checkout. With payer authentication, a customer has the option to set up a password linked to their credit card. This password is used to verify that the person using the card is the card's owner and protects you from charge backs due to disputed charges.

When you enable payer authentication, you can add the respective Verified by Visa, MasterCard SecureCode, and Maestro SecureCode logos to your site. Customers are redirected to a payer authentication site after submitting an order using a credit card. On the payer authentication page, the customer can enter a password, create a password, or skip the step. The customer is then returned to the order confirmation page on your website. The order is created in your NetSuite account when the customer returns to the confirmation page.

In addition, a Payer Authentication Status field is added to sales orders. For orders submitted using a credit card on your website, the field shows whether the authentication was successful, failed, or skipped. For other sales orders this field is blank.

Payer authentication is currently offered through the following credit card gateways:

Note:

If you use CyberSource or MerchantE, you must contact them to add the payer authentication feature to your account before you enable it in NetSuite. If you use Payflow Pro, you must enroll in PayPal's Buyer Authentication Service through your PayPal Manager account.

Payflow Pro, owned by PayPal, is used for credit card processing. PayPal is the checkout method that enables you to enter or accept payment information.

For information about regional payment gateways, see the Order Management help topic, Setting Up Regional Payment Gateways.

For information about payer authentication for eWAY Rapid, see the Order Management help topic, Payer Authentication for eWay Rapid.

For integration with third-party checkout providers, like PayPal Express, see Integration with Third-Party Checkout Providers.

To enable credit card payer authentication:

  1. Go to Setup > Accounting > Financial Statements > Payment Processing Profiles.

  2. Click Edit next to the credit card gateway you want to use for payer authentication.

  3. In the Primary area, check Payer Authentication.

  4. Click Save.

Customers will now be redirected to a payer authentication site after submitting an order with a credit card.

Related Topics

General Notices