Credit Card Payer Authentication

This topic applies to

Applies to

SuiteCommerce | SuiteCommerce Advanced


Payer authentication is available for credit cards used in your NetSuite web site checkout, including Visa, MasterCard, Maestro, and JCB. With payer authentication a customer has the option to set up a password linked to his or her credit card. This password is used to verify that the person using the card is the card's owner and protect 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 NetSuite confirmation page. The order is created in your NetSuite account when the shopper is returned to the confirmation page.

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

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

  • Merchant e-Solutions

  • CyberSource

  • Payflow Pro

  • SECPay

  • WorldPay

  • eWAY Rapid

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

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

For integration with third party checkout providers like PayPal Express, and 3D Secure, see Integration with Third Party Checkout Providers.

To enable payer authentication:

Note that you must contact CyberSource and Merchant e-Solutions to add this feature to your account before you enable authentication 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.

  1. Go to Setup > Accounting > Credit Card Processing.

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

  3. On the payment processing profile editing page, check the Payer Authentication box.

  4. Click Save.

Shoppers are now redirected to a payer authentication site after submitting an order using a credit card.