Definition
ECI - Electronic Commerce Indicator
Indicates the outcome of the authentication. The value is related to the PARes Transaction Status and can have a null value depending on the scenario. Even though they have equivalent meanings, each card provider uses their own distinct values.
Values
Card | ECI Value | Meaning |
|---|---|---|
VISA | 05 | This value means that the cardholder was authenticated by the issuer by verifying the cardholder’s password or identity information. The value is returned by the ACS in the Payer Authentication Response message when the cardholder successfully passed 3-D Secure payment authentication |
06 | This value means that the merchant attempted to authenticate the cardholder, but either the cardholder or issuer was not participating. The value should be returned by the ACS in the Authentication Response message for an Attempt Response. Additionally, merchants may use an ECI 6 in the authorization request when a Verify Enrollment of N is received from the Visa Directory Server | |
07 | This value is set by the merchant when the payment transaction was conducted over a secure channel (for example, SSL/TLS), but payment authentication was not performed, or when the issuer responded that authentication could not be performed. An ECI 7 applies when either the Verify Enrollment or the Payer Authentication Response contains a U for Unable to Authenticate | |
Master Card | 01 | Authentication could not be completed but a proof of authentication attempt was provided SLI = 1 |
02 | Cardholder was successfully authenticated (SLI = 2) | |
Absent | Cardholder authentication failed SLI = 0 | |
Absent | Authentication could not be completed due to technical or other problems (SLI = 1) | |
American Express | Behave the same as VISA | |
Diners Club | ||
JCB | ||
Comparative Table
Authentication | ECI Visa | ECI MasterCard | ECI Amex | ECI Diners | ECI JCB |
|---|---|---|---|---|---|
Verified authentication | 05 | 02 | Behave the same as VISA | ||
Authentication attempted | 06 | 01 | |||
No authentication | 07 | 00 | |||
ECI Identification Flow
References
Card | Document |
|---|---|
Visa | Verified by Visa - Acquirer and Merchant Implementation Guide (pág 30) Documentación 3DS |
Master Card | MaterCard SecureCode - Merchant Implementation Guide (pág 29) Documentación 3DS |
