https://community.developer.cybersource.com/t5/Integration-and-Testing/E-WC-21-User-Authentication-failed-do-to-invalid-authentication/m-p/88100#M55498 <P>When I got this message I read all the posts on it, but then I went back to the docs:<BR /><BR /><A href="https://developer.authorize.net/api/reference/features/acceptjs.html#Building_your_Payment_Form" target="_blank">https://developer.authorize.net/api/reference/features/acceptjs.html#Building_your_Payment_Form</A><BR /><BR />This described a Client Public Key that was not yet created for the Merchant Account.</P><P>Using that key with the Merchant Name/API Login ID fixed this message for me.</P> Tue, 21 Nov 2023 16:37:16 GMT marine2026 2023-11-21T16:37:16Z https://community.developer.cybersource.com/t5/Integration-and-Testing/E-WC-21-User-Authentication-failed-do-to-invalid-authentication/m-p/88100#M55498 <P>When I got this message I read all the posts on it, but then I went back to the docs:<BR /><BR /><A href="https://developer.authorize.net/api/reference/features/acceptjs.html#Building_your_Payment_Form" target="_blank">https://developer.authorize.net/api/reference/features/acceptjs.html#Building_your_Payment_Form</A><BR /><BR />This described a Client Public Key that was not yet created for the Merchant Account.</P><P>Using that key with the Merchant Name/API Login ID fixed this message for me.</P> Tue, 21 Nov 2023 16:37:16 GMT https://community.developer.cybersource.com/t5/Integration-and-Testing/E-WC-21-User-Authentication-failed-do-to-invalid-authentication/m-p/88100#M55498 marine2026 2023-11-21T16:37:16Z