Payer Authentication
If you receive the error code "Payer Authentication has failed" when you attempt to complete a transaction, your transaction was declined due to a failed login of your Verified by Visa/MasterCard SecureCode account.
This is a web feature that is provided by Visa and MasterCard that helps verify that the user of the card is the proper owner of the card.
Note: When making your transaction, your browser can be redirected to that site, you will need to login to your account to continue. For assistance with logging into your account, you will either need to your card issuer and ask to speak with the Verified by Visa/MasterCard SecureCode department.
For more information about the services, please visit the pages below:
If you receive the error code "Payer Authentication was unable to complete" when you attempt to complete a transaction, your card provider is requiring that the security page be filled out, but their page is not providing the security page for you to access it and fill it out.
Please contact your card issuer and ask to speak with the Verified by Visa/MasterCard SecureCode department to inquire about the issue with the security page.