Overview of RuPay Payer Authentication

Cybersource payer authentication services provide support to your web store for card authentication services for RuPay cards. Payer authentication for RuPay uses the same API services provided by Cybersource for other card brands. If you are currently using Cybersource payer authentication services for other card brands, you can enhance your existing integration to send the additional fields in the request that are required for RuPay cards.

Payer authentication provides these services:

Check Enrollment: Determines whether the customer is enrolled in a card authentication program.

Validate Authentication: Ensures that the authentication that you receive from the issuing bank is valid.

Unlike Visa and Mastercard cards, authentication is mandatory for RuPay cards. Without authentication, authorization cannot be performed and the transaction is declined by the RuPay network.