The ECI value indicates the level of authentication that was performed on the transaction. The ECI value received from authentication is forwarded in the authorization request and also determines whether a transaction receives liability protection.
Visa, American Express, JCB, Discover/Diners, Cartes Bancaires (VISA), UPI
Solidgate | Description |
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05 | Cardholder authentication successful. |
06 | Authentication was attempted but was not or could not be completed.
|
07 | Non-authenticated e-commerce transaction. |
Mastercard, Cartes Bancaires (Mastercard)
Solidgate | Description |
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00 | 3DS1 and EMV 3DS: 3DS authentication either failed or could not be attempted; possible reasons include both the card and Issuing Bank not being secured by 3DS, technical errors, or improper configuration. |
01 | 3DS1 and EMV 3DS: 3DS authentication was attempted but was not or could not be completed; possible reasons include either the card or its Issuing Bank has yet to participate in 3DS, or the cardholder ran out of time to authorize. |
02 | 3DS1 and EMV 3DS: 3DS authentication is successful; both card and Issuing Bank are secured by 3DS. |
04 | EMV 3DS: Data share only: non-authenticated e-commerce transaction, but merchants have chosen to share data via the 3DS flow with the issuer to improve authorization approval rates. |
06 | EMV 3DS: Acquirer exemption. |
07 | EMV 3DS: Recurring payments might be applicable for the initial or subsequent transaction. If this value is received on initial recurring payments, the merchant will have a liability shift. Subsequent transactions are considered as MIT and liability remains with the merchant. |