Credit Card Payer Authentication in NetSuite Commerce

Credit card payer authentication is available for transactions made through your Commerce website checkout. This feature allows customers to establish a password linked to their credit card, which helps verify ownership and protects against potential chargebacks.

When payer authentication is activated, your site can display the Verified by Visa, MasterCard SecureCode, and Maestro SecureCode logos. After placing an order, customers are redirected to a payer authentication site where they can enter or create a password, or opt to skip this step. Following this process, they return to your website's confirmation page, and the order is subsequently created in your NetSuite account.

Additionally, a Payer Authentication Status field will be visible on sales orders, indicating whether the authentication was successful, failed, or skipped. For all other sales orders, this field will remain blank.

Supported Payment Gateways

Payer authentication is compatible with the following credit card gateways:

• MerchantE
• CyberSource
• eWAY Rapid
• Payflow Pro
• WorldPay

Note: If you're using CyberSource or MerchantE, you must contact them to enable the payer authentication feature on your account prior to activation in NetSuite. For Payflow Pro, enrollment in PayPal's Buyer Authentication Service is required through your PayPal Manager account.

Enabling Credit Card Payer Authentication

To enable the payer authentication feature, follow these steps:

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

2. Click Edit next to the credit card gateway you wish to employ for payer authentication.

3. In the Primary area, check the Payer Authentication option.

   Note: Do not check this box if you plan to utilize 3D Secure 2 payment flows on your website. For more information, consult the relevant documentation on 3D Secure Payment Authentication.

4. Click Save.

By activating this feature, customers will be redirected to the payer authentication site following their credit card order.

Related Topics

• Payment Options for Commerce Web Stores

Source: This article is based on Oracle's official NetSuite documentation.

Key Takeaways

• Payer authentication verifies credit card ownership to reduce chargebacks.
• Customers can create a password linked to their credit cards during checkout.
• A new status field indicates if authentication was successful, failed, or skipped.
• Compatible payment gateways include MerchantE, CyberSource, Payflow Pro, and others.
• Proper setup requires gateway-specific actions for authentication functionality.