Merchant Name

Merchant name assigned by the Acquirer or Payment System.

Length: Variable, maximum 40 characters

SecurePaymentVersion2.AuthenticationMerchantName

Authentication value

A cryptographic value generated by the ACS to provide a way, during authorization processing, for the authorization system to validate the integrity of the authentication result. The AV algorithm is defined by each Payment System.

Base64 is the encoding applied to the Authentication Value data element as defined in RFC 2045

Length: 28 characters

SecurePaymentVersion2.AuthenticationValue

DS (Directory Server) transaction ID

Universally unique transaction identifier assigned by the Directory Server (DS) to identify a single transaction.

Length: 36 characters

SecurePaymentVersion2.DirectoryServerTrxID

ECI (electronic commerce indicator)

Payment System-specific value provided by the ACS or DS to indicate the results of the attempt to authenticate the Cardholder.

Length: 2 characters

SecurePaymentVersion2.ElectronicCommerceInd

Transaction Status

Indicates whether a transaction qualifies as an authenticated transaction or account verification.

Length: 1 character

SecurePaymentVersion2.TrxStatusText

Transaction Status Reason

Provides information on why the Transaction Status field has the specified value

Length: 2 characters

SecurePaymentVersion2.TrxStatusReasonText

Y

Authentication Verification Successful

Transaction successful

N

Not Authenticated/Account Not Verified

Transaction denied

U

Authentication/Account Verification Could Not Be Performed

Technical or other problem, as indicated in the ARes or RReq

A

Attempts Processing Performed

Not Authenticated/Verified, but a proof of attempted authentication/verification is provided

C

Challenge Required

Additional authentication is required using the CReq/CRes

D

Challenge Required

Decoupled Authentication confirmed

R

Authentication/ Account Verification Rejected

Issuer is rejecting authentication/verification and request that authorization not be attempted

I

Informational Only

3DS Requestor challenge preference acknowledged

01

Card authentication failed

02

Unknown Device

03

Unsupported Device

04

Exceeds authentication frequency limit

05

Expired card

06

Invalid card number

07

Invalid transaction

08

No Card record

09

Security failure

10

Stolen card

11

Suspected fraud

12

Transaction not permitted to cardholder

13

Cardholder not enrolled in service

14

Transaction timed out at the ACS

15

Low confidence

16

Medium confidence

17

High confidence

18

Very High confidence

19

Exceeds ACS maximum challenges

20

Non-Payment transaction not supported

21

3RI transaction not supported

22

ACS technical issue

23

Decoupled Authentication required by ACS but not requested by 3DS Requestor

24

3DS Requestor Decoupled Max Expiry Time exceeded

25

Decoupled Authentication was provided insufficient time to authenticate cardholder. ACS will not make attempt

26

Authentication attempted but not performed by the cardholder