Click to Pay

Customer Authentication

When you enable customer authentication through

Click to Pay

, you give

Barclays

permission to send Visa and Mastercard the required authentication information for each transaction. When the customer completes a transaction using a Visa or Mastercard card that is already stored in

Click to Pay

, authentication is managed within

Click to Pay

.

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

3DS

, 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 request

Payer Authentication

directly when it is required.