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Click to Pay
 Customer Authentication

When you enable customer authentication through
Click to Pay
, you give
Barclays
 permission to send Visa the required authentication information for each transaction. When the customer completes a transaction using a Visa card that is already stored in
Click to Pay
, authentication is managed with
Click to Pay
. When the customer checks out using manual card entry and does not save their card to
Click to Pay
, the transaction is not processed through
Click to Pay
 and you must complete authentication based on your existing authentication method.
Click to Pay
 authentication is only available for Visa branded cards that are tokenized with
Click to Pay
. If
Click to Pay
 does not authenticate the transaction, but you are using the complete mandate with the
consumerAuthentication
 field set to
true
, authentication is attempted as part of this request. When you do not use the complete mandate, you must check the result of the
cardholderAuthenticationStatus
 field in the transient token and reqeust
Payer Authentication
 directly when it is required.
IMPORTANT
American Express and Mastercard card brands cannot be authenticated through
Click to Pay
 customer authentication.

Visa Prerequisites

Before you can begin customer authentication using
Click to Pay
, you must meet these requirements:
  • The
    allowPaymentTypes
     field must include
    CLICKTOPAY
     in the capture context.
    For more information, see Capture Context.
  • The transacting merchant ID that sends the transaction requests must be configured for tokenization with
    Click to Pay
    . You must contact your implementation consultant or technical account manager to configure tokenization with
    Click to Pay
    .
  • Set up Visa customer authentication in the
    Smartpay Fuse Portal
    . For information, see Set Up Customer Authentication for Visa Click to Pay.

Authentication Flow

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