# Step 4: Configure the payment method settings

Since Digital River acts as the merchant of record on all transactions, payment methods must be configured by Digital River. Work with your Digital River representative to configure the selection and display of payment methods in the Digital River Drop-in payment integration. Enabling Digital River payment methods and other payment methods on the configuration page for the same store will result in failures.

1. From the **Magento Admin panel**, select **Stores**, select **Configuration**, select **Sales**, select **Payment Methods**.
2. In **Payment Methods**, make the following selections:

   * Select **Zero Subtotal Checkout** if you want to allow orders to use 100% store credit or gift cards.\
     \
     ![](https://1879583167-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2F2EvCeJpoEQR97Ch47mMP%2Fuploads%2F8GVhzmtYizUhRjlIUyBO%2FZero-Subtotal-Checkout.png?alt=media\&token=8bd89e98-1866-4243-a16e-6e95ed339486)
   * Select **Check/Money Order**. Then set **Enabled** to **No**.\
     \
     ![](https://1879583167-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2F2EvCeJpoEQR97Ch47mMP%2Fuploads%2FTNhpSeHXho66eQuaVMLg%2FCheck-Money-Order.png?alt=media\&token=1f0c3a92-8609-4d75-be1c-d4e4c5988fa0)
   * Select **Bank Transfer Payment**. Then set **Enabled** to **No**.\
     \
     ![](https://1879583167-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2F2EvCeJpoEQR97Ch47mMP%2Fuploads%2FYBNFKimkDQbI7sDvdHfH%2FBank-Transfer-Payment.png?alt=media\&token=0ce43f61-fbf7-47ec-aadd-b00a04c00edb)
   * Select **Cash On Delivery Payment**. Then set **Enabled** to **No**.\
     \
     ![](https://1879583167-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2F2EvCeJpoEQR97Ch47mMP%2Fuploads%2FKDgb75UEg6yc82iorivN%2FCash-on-Delivery-Payment.png?alt=media\&token=54076549-802a-427f-b6e6-e259cc0a5d9f)
   * Select **Purchase Order**. Then set **Enabled** to **No**. Note that the Digital River 3.1.3 extension release supports the [Purchase Order ](https://docs.digitalriver.com/adobe-commerce-extension/adobe-commerce-extension-4.0/configure-the-digital-river-extension/enabling-magentos-purchase-order-payment-method)payment method.\
     \
     ![](https://1879583167-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2F2EvCeJpoEQR97Ch47mMP%2Fuploads%2FF0Z49Fq7rfaFSLzSbujU%2FPurchase-Order.png?alt=media\&token=198b14d7-2585-4b93-92fd-64cdb66f58a3)
   * Select **Digital River Payment**. Then set **Enabled** to **Yes**. Note that you can change the title. We recommended typing `Payment Options` in the **Title** field.\
     \
     ![](https://1879583167-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2F2EvCeJpoEQR97Ch47mMP%2Fuploads%2Fl2yMbSTm2SZcBJRATCpD%2FDigital-River-Payment.png?alt=media\&token=62a8e7c1-39db-4d84-8574-f58da2b5788a)

## Understand 3D Secure Challenge Questions

In many European countries, 3D Secure is used by banks to prevent credit card fraud and to comply with PSD2 regulations. 3D Secure presents a challenge question to authenticate all shoppers paying with credit cards. You can choose whether your shoppers see the challenge question either:

* On the **Payments** page of the checkout after clicking **Continue** OR 
* On the **Order Confirmation** page of the checkout after clicking **Place Order**

Digital River recommends that you have the question appear on the **Order Confirmation** page. This setting is controlled by Digital River. Please work with your Digital River representative if you wish to change the location of your 3D Secure challenge question.

{% hint style="info" %}
**Note:** This change is not supported by the PayPal payment method.
{% endhint %}