processingInformation. commerceIndicator

Type of transaction.
Some payment card companies use this information when determining discount rates.
Possible Values for the Authorization Service:
E-Commerce Indicator Values
Value
Description
5
Secure e-commerce transaction with a credential-on-file (COF) token. Include
paymentinformation.tokenizedCard.cryptogram
 in the authorization request.
aesk
American Express SafeKey authentication was successful.
aesk attempted
American Express SafeKey authentication was attempted but did not succeed.
dipb
Discover card type.
install
Installment payment. For merchant-initiated transactions on
Visa Platform Connect
 with Mastercard in India or with an India-issued card, the
install
 value is used for the installment payment scenario and for unscheduled credentials-on-file transactions.
install_internet
Non-U.S. e-commerce (Internet) installment payment. This value is not supported on all processors.
internet
Default value for authorizations. E-commerce order placed from a website.
js
JCB J/Secure authentication was successful.
js_attempted
JCB J/Secure authentication was attempted but did not succeed.
moto
Mail order or telephone order.
moto_cc
Mail order or telephone order from a call center. This value is available only on gateways in Asia, the Middle East, and Africa. Contact your Customer Support representative for details.
pb
ProtectBuy authentication was successful.
pb_attempted
ProtectBuy authentication was attempted but did not succeed.
recurring
Recurring payment that is a U.S. transaction or non-U.S. mail order/telephone order (MOTO) transaction. For merchant-initiated transactions on
Visa Platform Connect
 with Mastercard in India or with an India-issued card, the
recurring
 value is used for the recurring payment scenario.
recurring_internet
Recurring payment that is a non-U.S. e-commerce (Internet) transaction.
retail
Card-present transaction.
rpy
RuPay
 PaySecure authentication was successful.
spa
  • For Mastercard Identity Check: Authentication was successful or was attempted but did not succeed. The e-commerce indicator for all Mastercard Identity Check transactions, including authentication attempts, must be set to
    spa
    . Otherwise, the transactions are processed as non-identity check transactions.
  • For secure transactions in France: Successful authentication for a Mastercard card or a Cartes Bancaires card that is co-badged with Mastercard.
spa_failure
  • For Mastercard Identity Check: Authentication failed.
  • For secure transactions in France: Authentication failure for a Mastercard card or a Cartes Bancaires card that is co-badged with Mastercard.
up3ds
For secure transactions for
China UnionPay
: Authentication was successful for a China UnionPay domestic debit card.
up3ds_attempted
For secure transactions for
China UnionPay
: Authentication was attempted but did not succeed for a China UnionPay domestic debit card.
up3ds_failure
For secure transactions for
China UnionPay
 domestic debit cards: Authentication failed for a China UnionPay domestic debit card.
vbv
  • For Visa Secure: Authentication was successful.
  • For secure transactions in France: Successful authentication for a Visa card or a Cartes Bancaires card that is co-badged with Visa.
vbv_attempted
  • For Visa Secure: Authentication was attempted but did not succeed.
  • For secure transactions in France: Authentication was attempted for a Visa card or a Cartes Bancaires card that is co-badged with Visa.
vbv_failure
  • For Visa Secure: Authentication failed.
  • For secure transactions in France: Authentication failure for a Visa card or a Cartes Bancaires card that is co-badged with Visa.
Possible values for the credit service
  • internet
    : E-commerce order placed through a website.
  • moto
    : Mail order or telephone order.
    Not supported on
    Cielo
     or
    UATP
    .
    On
    Barclays
    , this value is not permitted for Mestro International cards.
  • recurring
    : Recurring payment that is a U.S. transaction or non-U.S. MOTO transaction.
    On
    Barclays
    , this value is not permitted for Mestro International cards.
  • recurring_internet
    : Recurring payment that is a non-U.S. e-commerce (Internet) transaction.
Card-Present Transactions
For a card-present transaction, you must set this field to
retail
.
Payer Authentication
When you request the payer authentication and authorization services separately, get the value for this field from the
processingInformation.commerceIndicator
 response field.
PIN Debit Transactions
For a PIN debit transaction, you must set this field to
retail
.
Apple Pay
For the merchant decryption method, one of these values is required:
aesk
,
dipb
,
internet
,
spa
,
vbv
.
Samsung Pay
For the merchant decryption method, one of these values is required:
aesk
,
internet
,
spa
.
Payouts
For the
Barclays
 processor, the value for an account funding transaction (AFT) can be one of these indicators:
  • internet
    —For a transaction that does not use 3-D Secure.
  • vbv
     or
    vbv_attempted
    —For a transaction that uses 3-D Secure.
For the
Chase Paymentech Solutions
 processor, the value for an account funding transaction (AFT) and original credit transaction (OCT) is
internet
.
For the
FDC Compass
 and
Visa Platform Connect
 processors, the value for an original credit transaction (OCT) is
internet
.

Specifications

  • Data Type:
     String
  • Data Length:
    • Account funding transaction (AFT): 20
    • Card-not-present transaction: 20
    • Card-present transaction: 20
    • Original credit transaction (OCT): 13
    • PIN debit transaction: 13

Mapping Information

  • REST API Field:
    processingInformation.commerceIndicator
  • SCMP API Field:
    e_commerce_indicator
  • Simple Order API Fields:
    • ccAuthService_commerceIndicator
    • ccCreditService_commerceIndicator
    • octService_commerceIndicator
    • pinDebitCreditService_commerceIndicator
    • pinDebitPurchaseService_commerceIndicator