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Customer Authentication Module (CAM) is a feature provided by Mastercard’s Click to Pay that adds an extra layer of security to transactions. It verifies the identity of the customer by analyzing device and behavioral data during the checkout process, reducing the risk of fraud. When CAM is enabled, it silently collects device and behavioral data in the background as the customer interacts with the checkout page. This data is used to create a risk profile for the transaction. Based on this profile, CAM determines whether the transaction is low-risk and can proceed without interruption, or if it requires additional verification. If a higher risk is detected, CAM may prompt the customer for a one-time password (OTP) or another form of step-up authentication to confirm their identity before the payment is completed. This process is designed to be as seamless as possible, only introducing friction when necessary.

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Benefits

  • Enhanced Security: Adds a robust layer of authentication to prevent fraudulent transactions.
  • Reduced Friction: Most legitimate transactions are processed without any extra steps for the customer.
  • Increased Trust: Provides customers with greater confidence that their payments are secure.

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Implementation

To enable Customer Authentication Module when using Secure Fields for Click to Pay, add the authenticate.consumer property to your Secure Fields configuration and set it to true. When enabled, CAM automatically collects and analyzes data to authenticate customers during checkout, providing enhanced security without any additional integration effort. 
<ClickToPay
  srcDpaId='{SRC_DPA_ID}'
  dpaName='{DPA_NAME}'
  dpaLocale='en_AU'
  cardBrands={['mastercard', 'visa', 'amex']}
  consentCheckbox='#click-to-pay-consent-checkbox'
  learnMoreLink="#click-to-pay-learn-more-link"
  authenticate={{
    consumer: true,
  }}
/>